ACCESS NL > Healthcare in the Netherlands > Dutch medical insurances > Dutch health insurance > Does the deductible apply to all types of care?

Dutch health insurance

What is included in the basic Dutch health insurance package?

Are there different health insurance policies? And what is the difference?

Is dental healthcare covered by the insurance?

Can I get additional coverage for my health insurance?

How will my children be insured?

Do I need to take out Dutch health insurance if I am on a short-term stay?

If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?

I just took out a Dutch health insurance policy but now the insurance company wants me to pay the premium for a few months retrospectively. Can they do that?

What will happen if I don’t take out Dutch health insurance?

Is there a deductible (eigen risico)?

My residence permit has expired and my application to renew it has been rejected. Can I still get medical help here?

Does the deductible apply to all types of care?

The eigen risico (deductible) does not apply to all care from the basic health insurance. The following care services  are excluded from the deductible:

  • Visits to your huisarts (GP) or huisartsenpost (GP centre that opens outside office hours). Tests or prescribed medicine are not excluded from the deductible
  • Maternity care and assistance at delivery
  • Loans of medical equipment
  • Certain care for some chronic diseases like diabetes type 2
  • Healthcare for children under the age of 18
  • Follow-up check-ups for organ donation and travel costs for organ donation

Find more information at the government’s website (in Dutch only):

www.rijksoverheid.nl/onderwerpen/zorgverzekering/vraag-en-antwoord/eigen-risico-zorgverzekering

Can I use my Dutch health insurance abroad?

I have a Dutch health insurance and would like to change to another insurance company. How can I arrange this?