ACCESS NL > Healthcare in the Netherlands > Dutch medical insurances > Dutch health insurance > Is there a deductible (eigen risico)?
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?
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?
Do I need a Dutch health insurance or can I use an international health insurance?
If I don’t have a Dutch health insurance policy yet, is there a way to get my medical costs reimbursed?
What will happen if I don’t take out Dutch health insurance?
Is there a deductible (eigen risico)?
The eigen risico (deductible) is the amount you have to pay yourself before you receive a reimbursement from your health insurance company. Everyone over 18 years of age is required to pay a deductible on the basic insurance coverage. The deductible is decided by the government and updated annually.
You can voluntarily raise your deductible; then you will receive a discount on the insurance premium. The higher your voluntary deductible, the lower the premium you will be charged. While this may be attractive for relatively healthy individuals, it may become a risk on the long run. For example, if you get ill or get involved in an accident, the insurance company is able to claim the total of the deductible in one payment.