Approximately 10% of Dutch residents have delayed or avoided healthcare this year to sidestep their deductible. Yet many remain unclear on what expenses it actually covers.
GP visits are exempt from the deductible
A striking 47% of people don't realize that consultations with your general practitioner do not count toward the deductible.
Emergency care falls under the deductible
Meanwhile, 28% incorrectly assume emergency services are exempt—they're not, and you'll pay out of pocket until your deductible is met.
Co-insured children are excluded from the deductible
Just 26% are aware of this key benefit for families.
Unused deductible carries over
For most, the deductible serves a purpose: 73% find it acceptable but advocate reducing it to a maximum of €212.
