Access to medical care is a fundamental right for everyone who lives in the Netherlands. That is why everyone who lives in the Netherlands, is obliged to have a basic health insurance (zorgverzekering). This insurance will pay for most of your care costs.
The health insurance consists out of two parts, the basic insurance (basisverzekering) and optional extra insurance packages (aanvullende zorgverzekering).
Basic insurance (basispakket)
⇒ Covers the basic costs for the family doctor (huisarts), the hospital and most medicines, not for the dentist (always check if the costs are covered)
⇒ Good basic care package available for all people
⇒ Obliged for everyone
Extra insurance packages (aanvullende zorgverzekering)
⇒ Covers extra optional care services like therapies, care for chronic illness and dental care
⇒ Each package is different, you can choose which extras you want
⇒ You pay the monthly costs on top of the basic insurance costs
⇒ Optional, not obliged
Costs and Own Risk
You pay on a monthly basis for the health insurance (these costs depend on the insurance package you chose). Next to that, you have to pay for your ‘own risk’ if you need special care. The health insurance pays for the basic costs, when you go to the family doctor. However, adults will have to pay also for the first costs of special care. This is called own risk (eigen risico).
⇒ More information about the own risk: (link)
⇒ Most insurance companies offer to pay these costs divided over the months. Also the CAZ-insurance of the municipality.
How do I choose or Change my health insurance?
Most of the time your VWN coach helped you pick the first health insurance.
⇒ You can change your health insurance only once a year.
⇒ You can do this because you want to insure more or less care packages, or because another company is cheaper. Every year between October and November you will get your new health insurance offer from your company. This letter tells you how much your insurance will cost the next year. From the moment you get this offer, until 31 January the next year, you can change your insurance.
If you want to change your package within the same company?
Contact them for more information.
If you want to go to another insurance company?
⇒ Look for another one, and choose your package(s)
⇒ Contact them for more information and confirm your choice
⇒ Ensure you will be accepted
⇒ If yes, the new insurance can stop your old insurance
If you want to change insurance company you can find information online or ask for help: