Annual premium for basic insurance under Dutch Health Insurance Act (Zvw) 2007-2019

Basic, mandatory health insurance in the Netherlands costed on average slightly over 1,450 euros per year per person in 2019, a slight increase from previous years. This number only covers health insurance under the so-called Dutch Health Insurance Act (or Zvw), and excludes private, additional health insurance. Also note that this is an average, as premiums vary per person. Some people can receive a discount, for example by taking on a voluntary excess (in Dutch: vrijwillig eigen risico) on top of their already existing mandatory excess (or verplicht eigen risico) in exchange for a lower premium.

A survival of the fittest?

Health insurance in the Netherlands is a hybrid, of sorts. On the one hand, the Dutch government is responsible for the contents of the health insurance package. It is then, however, up to the 11 health insurance groups to offer this product via the free market. These concerns are obliged to accept all residents of the Netherlands, regardless of age or state of health. To add to the competitiveness within Dutch health insurance, clients can switch insurance provider at the end of every year. If consumers find a health insurance which, for example, is cheaper or provides a better service, they can end their current contract and choose a new company. For example, in 2020, 6.5 percent of the individuals cancelled their health insurance and switched to another company.

Curbing costs

The idea behind this system is two-fold. First, by means of the competitive free market, it is a way for the Dutch government to make healthcare as affordable as it can be. Whether this works is difficult to assess as national healthcare expenses in the Netherlands grew by roughly two billion euros on an annual basis, reaching nearly 90 billion euros in 2018. Second, the system is meant to make consumers more aware of how expensive healthcare is. This is where the afore mentioned verplicht eigen risico or mandatory excess comes in. From the age of 18, it is compulsory to pay this set amount of money on healthcare during a year before the health insurance starts to reimburse.

Average nominal annual premium for basic insurance under Dutch Health Insurance Act (Zvw) per person from 2007 to 2019

Annual premium per person in euros
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Release date

April 2019



Survey time period

2007 to 2019

Supplementary notes

The source states that the average nominal annual premium

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Statistics on "Health insurance in the Netherlands"

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