As the year ends, many in the Netherlands are evaluating their health insurance for the new year. Basic insurance premiums are rising, varying widely between insurers. Carefully assess whether to stay or switch to secure the most affordable option. Our expert tips help you select coverage that fits your personal needs.
Selecting Your Deductible
The mandatory deductible stays at €385 for 2020, unchanged from 2019. Opt for a higher voluntary deductible to reduce premiums if you expect low healthcare costs—but remember, you'll pay more out-of-pocket for unexpected expenses.
Supplementary Insurance: Yes or No?
Supplement basic coverage with add-ons for services like dental, physiotherapy, alternative medicine, or glasses. Policies vary by insurer, so align choices with your health needs and budget.
Understanding Basic Insurance
Mandatory for all in the Netherlands, it covers essentials like GP visits, hospital treatments, and emergency care. The deductible applies first, but children under 18 are covered free on parents' policies with no deductible.
Stay or Switch?
2020 premiums and reimbursements are now public. Compare policies based on your care usage to save significantly. Cancel by December 31; switch by January 31 for retroactive January 1 coverage.
