Compare health insurance Netherlands | Easy step by step guide (2025)

Ga snel naar

If you’re looking for a quick way to find Dutch health insurance fitted to your needs, you’ve come to the right place. At Overstappen.nl we don’t just help you pick the best insurance, we help you save some money in the process as well. Here, you can easily compare almost all Dutch health insurers (zorgverzekering vergelijken) on both coverage and pricing. Before you do, however, there are a few things to keep in mind.

1. Step 1

   Pick your basic plan

   There are three different plans for basic health insurance (basisverzekering) in the Netherlands. They differ in the way they limit your choice in healthcare providers (keuzevrijheid zorg). Withbeperkte keuze(naturapolis) your choices are limited and even certain hospitals are excluded from coverage. Of course, this is the cheapest option.Ruime keuze(combinatiepolis)offers wider coverage. Most hospitals will be included and limitations are mostly set for special care, such as physical therapy.

2. Step 2

   Determine your excess level

   Basic health insurance in the Netherlands comes with a certain amount of ‘excess/deductible/own risk’ (eigen risico), set by the Dutch government. Currently this amount is set at a minimum of € 385,- up to a maximum of € 885,- a year. This is the amount you have to pay for healthcare yourself before the insurance company starts covering.

   Note that some basic healthcare (e.g. seeing your general practitioner) is excluded from your eigen risico and therefore always paid by the insurer. Medicine (not all, here you can check if your medicine is covered:medicijnkosten.nl)or consulting a medical specialist in the hospital, for example, is not.

   It’s up to you to decide how much you want to increase your excess. If you don’t expect to use a lot of healthcare, it’s probably wise to set your excess level a bit higher. Doing so can drastically reduce your monthly payment.

3. Step 3

   Check if you need dental care

   Dental care is not covered by basic health insurance. If you plan on visiting a dentist or if you expect dental problems, it’s wise to get additional dental insurance (tandartsverzekering). You can choose how big a percentage of your bill will be paid by the insurance company and up to what amount.

4. Step 4

   Consider an additional coverage plan

   Basic healthcare is covered by basic health insurance. If you have special needs, however, you can choose additional coverage plans (aanvullende verzekering). These cover care such as physical therapy (fysiotherapie), alternative healthcare (alternatieve geneeswijzen), glasses or lenses (brillen en lenzen) and world coverage (buitenlanddekking). Additional coverage can greatly increase your monthly payment, so make sure to consider whether it’s actually profitable.

5. Step 5

   Make a comparison

   That’s it! You’re all set.Compare health insuranceand get the best health insurance for your needs and, of course, at the best price. Just fill in your gender (geslacht) and your date of birth (geboortedatum) and we’ll show you the cheapest options. Do you want to take out insurance for your entire family? Then you have to select the “Gezinsleden meeverzekeren”option. Once you’ve filled in your details, you will find some filters on the left that let you pick and choose between the different attributes of coverage you’ve read about so far.

• Compare all 57 insurances
• Save up to € 350,- a year
• Switching is completely free

Uitstekend 9.2 uit 10 op basis van 4270 reviews

Do you have a low income, are you at least 18 years old and do you live in The Netherlands? Then you may be eligible for the healthcare allowance. This is a financial aid that can help you manage your healthcare costs. Do you want to know if you are eligable? You can find all the eligibility requirements for the healthcare allowance on the Tax and Customs Administration website.

Are you looking for a decent and affordable Dutch health insurance? If your answer is yes, then it is important to compare all your options. You can easily do this by using our comparator and you can even save money by switching to another insurer. Fill in your details and start comparing now. It will only take a few minutes!