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Monthly premium of health insurance in the Netherlands in 2020, by brand and policy

This statistic shows an overview of the monthly premium for mandatory basic health insurance in the Netherlands as of 2020, by health insurance brand and type of insurance policy (in euros). Health insurance in the Netherlands is a complex matter. The health insurance system as it is now was introduced in 2006. It is mandatory to have at least a basic health insurance (in Dutch: basisverzekering) when you work in the Netherlands, because healthcare is funded through taxation of income. 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.

The Netherlands has nine big health insurance concerns in the Netherlands, each with multiple brands. These brands can offer up to four types of health insurance products, or policies (in Dutch: polissen), which all offer the same healthcare as required by the government but with varying price ranges.

Contracted Care Policy (Budget) or budgetpolis is the cheapest, but does not allow consumers to choose their own healthcare provider. Contracted Care Policy or naturapolis is the most common and strikes a balance between price and contracts between insurance brand and healthcare providers. Designated Care Provider Policy or restitutiepolis is the most expensive but offers consumers the most freedom as they can go to any healthcare provider they want. Some brands also have a combination (or combinatiepolis) of the last two.

All numbers provided in this overview are with a mandatory excess or "own risk" (in Dutch: verplicht eigen risico) of 385 euros. This is a contribution you have to pay yourself in case of an insurance claim. In other words, you will pay the first 385 euros of the costs of the healthcare you receive. You can also choose to add a voluntary own risk excess to your mandatory excess. If you decide to do this, the premium of the basic healthcare insurance reduces. Voluntary own risk can be increased in steps of 100 euros, to a maximum of 885 euros.

Monthly premium of mandatory basic health insurance in the Netherlands in 2020, by health insurance brand and type of insurance policy

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Release date

November 2019



Survey time period

November 2019*

Special properties

* In the Netherlands, health insurance companies are required by law to have announced their premiums for the next year by November.

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Statistics on "Health insurance in the Netherlands"

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