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Discount per voluntary excess Dutch Health Insurance Act in the Netherlands 2013-2019

This statistic shows the average premium discount per chosen voluntary excess under the Dutch Health Insurance Act (in Dutch: vrijwillig eigen risico) in the Netherlands from 2013 to 2019 (in euros per individual insurance). In 2019, if someone in the Netherlands chose a voluntary excess worth of 400 euros, the total premium discount would have been 172 euros. Approximately 8.9 percent of Dutch individuals with a standard compulsory health insurance had a voluntary excess worth of 500 euros in 2018.

In the Netherlands, every resident or employee is obliged to take a basic health insurance to cover medical costs from, for example, visits to a general practitioner or the hospital. The Dutch government decides on the cover provided by this package and health insurance companies are obliged to accept everyone who meets the requirements, regardless of age or state of health. It is compulsory, however, from the age of 18 to pay a total mandatory excess (in Dutch: verplicht eigen risico) before the basic insurance reimburses medical costs. This principle was introduced in the Dutch Health Insurance Act (Zvw) in 2008. This mandatory excess can be increased with an additional voluntary excess (in Dutch: vrijwillig eigen risico), in exchange for a lower premium.

Average premium discount per chosen voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act in the Netherlands from 2013 to 2019

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Source

Release date

September 2019

Region

Netherlands

Survey time period

2011 to 2019

Special properties

The figures have been taken from several publications.

Supplementary notes

The source notes that in the Netherlands: "It is compulsory from the age of 18 to pay a mandatory excess before the basic insurance reimburses medical costs." This principle was introduced in the Dutch Health Insurance Act (called the Zorgverzekeringswet Zvw in Dutch) in 2008. This can be increased with a voluntary excess.

The source states: "Excess can be increased voluntarily with either 100, 200, 300, 400 or 500 euros." In return for taking on the extra risk of potentially paying more medical costs, the premium will decrease. The higher the voluntary excess, the less premium will have to be paid.

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Statistics on "Health insurance in the Netherlands"

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