The deductible is the amount you pay yourself before your health insurance covers costs. For 2024, this mandatory deductible has been set at €385 per year.
What does the deductible entail?
The deductible is the portion of healthcare costs that you must pay yourself before the insurance starts reimbursing. This applies exclusively to care covered by the basic insurance.
Mandatory and voluntary deductible
| Type | Amount 2024 | Explanation |
|---|---|---|
| Mandatory deductible | €385 | For everyone aged 18 and older |
| Voluntary deductible | €0 - €500 extra | Option for premium reduction |
| Maximum deductible | €885 | Combination of mandatory and voluntary |
Which care is exempt from the deductible?
You do not have to pay a deductible for the following care:
- Visits to the general practitioner (consultations and home visits)
- General practitioner care outside office hours
- Midwifery assistance and maternity care
- Check-ups after organ donation
- Flu vaccination for risk groups
Deductible for minors
No deductible applies to children under 18 years of age. They are covered free of charge on a parent's policy.
Option for higher voluntary deductible
You can choose to increase your deductible in steps of €100 up to €500. This results in a lower monthly premium, which can be advantageous if you expect low healthcare costs.
Frequently asked questions about the deductible
Do I have to pay the deductible anew each year?
Yes, the deductible is reset every calendar year. On January 1, it starts again at €0 used.
Does the deductible apply to general practitioner visits?
No, general practitioner care is exempt from the deductible. However, costs after referral to a specialist are subject to the deductible.
Is installment payment of the deductible possible?
Yes, many insurers offer the option to pay the deductible in monthly installments.
Legal support in Utrecht
Do you have questions or problems with your health insurance or deductible? In Utrecht, you can go to:
- District Court Midden-Nederland: Vrouwe Justitiaplein 1, Utrecht
- Juridisch Loket Utrecht: Catharijnesingel 55, Utrecht
Practical questions about the deductible
What if I cannot pay my deductible immediately?
If you cannot pay the €385 at once, the health insurer often takes over the costs directly. You repay this later, for example in installments. Contact your insurer for the options.
Can I change my voluntary deductible annually?
Yes, each year when concluding or adjusting your policy, you can set the voluntary deductible (between €0 and €500) anew. A higher deductible means a lower premium, but be cautious with high healthcare costs.
Does the deductible apply to physiotherapy with a referral?
Yes, even with a referral from the general practitioner, physiotherapy is subject to the deductible. Only the general practitioner consultations themselves are exempt.