In the Netherlands, everyone must take out basic health insurance. This insurance provides coverage for essential medical care and has the same content with every insurer.
What care is covered by the basic insurance?
The basic insurance includes reimbursements for, among other things:
- Visits to the general practitioner (no deductible)
- Treatments in hospital and specialist care
- Medicines (if included on the reimbursement list)
- Psychological help (basic and specialised mental health care)
- Maternity and postnatal care
- Medical aids
- Physiotherapy (from the 21st session)
- Ambulance services and acute care
Deductible in 2024
The mandatory deductible in 2024 is €385 per year. This means you pay the first €385 in healthcare costs yourself, except for general practitioner visits, maternity care and a few other situations.
What is not covered by the basic insurance?
- Dental care for adults (except specific treatments)
- First 20 physiotherapy treatments
- Alternative treatment methods
- Glasses and contact lenses
- Cosmetic surgery
Costs of the basic insurance
The monthly premium for the basic insurance varies by provider:
- Average premium in 2024: approximately €140-160 per month
- Selective policy: often cheaper, but limited choice of care providers
- Restitution policy: higher costs, but more freedom of choice
Frequently asked questions about health insurance in Utrecht
Is basic insurance mandatory if I don't need care?
Yes, everyone who lives or works in the Netherlands must have basic insurance. Being uninsured is not an option.
Can an insurer reject me for basic insurance?
No, insurers are obliged to accept everyone for basic insurance, regardless of health status.
When can I switch health insurers?
You can switch annually. Cancel your current policy by 1 January and take out a new one by 1 February.
Legal support in Utrecht
For legal questions about health insurance, you can go to the Juridisch Loket Utrecht at Catharijnesingel 55. In addition, the Rechtbank Midden-Nederland, located at Vrouwe Justitiaplein 1, handles cases relating to disputes with insurers.
Practical questions about the basic insurance
What if I don't pay my premium?
If you don't pay on time, you will receive a reminder from your insurer. In case of persistent non-payment, a demand will follow with additional costs. Ultimately, the CAK can collect the premium via wage garnishment or benefit, with a fine up to €438 (2024). So pay on time to avoid trouble.
Can I adjust my deductible?
The standard deductible is €385 (2024), but you can voluntarily increase it to €885 for a lower premium. Reducing it below €385 is not possible. This is only advisable if you expect little care and have financial reserves.
Is physiotherapy for minors reimbursed?
Yes, children up to 18 years receive reimbursement for the first 20 physiotherapy treatments per year from the basic insurance. From the 21st treatment, the deductible applies. For adults, reimbursement starts from the 21st treatment for chronic conditions.
How do I find the right health insurance?
Compare premiums, coverage and policy conditions. A selective policy is cheaper but limits your choice, while a restitution policy is more expensive but offers more freedom. Also look at supplementary packages for example dental coverage. Use tools like Independer for an overview.