Monthly premium of health insurance in the Netherlands in 2023, by brand and policy
Most Dutch health insurance companies, including market leader VGZ Zorgverzekering, offered contracted care policies in 2023 and only few offered the more expensive designated provider policies. The Netherlands has nine big health insurance groups in the Netherlands, each with multiple brands. These brands can offer up to four types of health insurance products, or policies (in Dutch: polissen), which all offer the same healthcare as required by the government but with varying price ranges.
Contracted care policy (online) is the cheapest, but does not allow consumers to choose their own healthcare provider. Contracted care policy or naturapolis is the most common and strikes a balance between price and contracts between insurance brand and healthcare providers. Designated care provider policy or restitutiepolis is the most expensive but offers consumers the most freedom as they can go to any healthcare provider they want. Some brands also have a combination (or combinatiepolis) of the last two.
All numbers provided in this overview are with a mandatory excess or "own risk" (in Dutch: verplicht eigen risico) of 385 euros. This is a contribution you have to pay yourself in case of an insurance claim. In other words, you will pay the first 385 euros of the costs of the healthcare you receive. You can also choose to add a voluntary own risk excess to your mandatory excess. If you decide to do this, the premium of the basic healthcare insurance reduces. Voluntary own risk can be increased in steps of 100 euros, to a maximum of 885 euros.
Contracted care policy (online) is the cheapest, but does not allow consumers to choose their own healthcare provider. Contracted care policy or naturapolis is the most common and strikes a balance between price and contracts between insurance brand and healthcare providers. Designated care provider policy or restitutiepolis is the most expensive but offers consumers the most freedom as they can go to any healthcare provider they want. Some brands also have a combination (or combinatiepolis) of the last two.
All numbers provided in this overview are with a mandatory excess or "own risk" (in Dutch: verplicht eigen risico) of 385 euros. This is a contribution you have to pay yourself in case of an insurance claim. In other words, you will pay the first 385 euros of the costs of the healthcare you receive. You can also choose to add a voluntary own risk excess to your mandatory excess. If you decide to do this, the premium of the basic healthcare insurance reduces. Voluntary own risk can be increased in steps of 100 euros, to a maximum of 885 euros.
