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Market share of health insurance claims paid in Europe 2018, by country

With 41.6 percent of domestic health insurance claims paid in Europe, the Netherlands has by far the highest share of claims paid. In the Netherlands, private health insurance is mandatory. Insurance companies in the Netherlands must offer a universal healthcare package at a fixed price for all ages and status of health. In 2018, health benefit claims paid on the insurance market in the Netherlands amounted to over 44.6 billion euros.


Germany, which has the oldest social health care system in the world, runs a statutory health insurance plan. Those employed pay 50 percent of their insurance directly from their wages, with the company picking up the rest of the bill. Those who are self-employed must pay for the complete cover.

Gross direct premiums

In terms of gross direct premiums in the health insurance market, the Netherlands and Germany also make up the highest share in Europe. In total, the value of health premiums written in the European health insurance market amounted to over140 billion euros in 2018.

Market share of health benefit claims paid on the European domestic insurance market in 2018, by country

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Release date

September 2019



Survey time period


Supplementary notes

Domestic market.
Croatia, Czechia, Estonia, Hungary, Latvia, Luxembourg, Malta, Romania, Bulgaria and Slovakia had total claims paid equally to less than 0.1 percent of the market share.

Greece, Hungary, Iceland, Lithuania and Norway did not provide current figures and therefore could not be included.

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