Comparing Health Insurance Plans in the Netherlands

Comparing Health Insurance Plans in the Netherlands

Health Insurance in the Netherlands - People Work Service


Are you confused about which health insurance plan to choose in the Netherlands? Don’t worry, I’ve got you covered! In this article, we will dive deep into the different health insurance plans available in the Netherlands and help you make an informed decision.

Understanding the Dutch Healthcare System

Before we jump into comparing the health insurance plans, let’s first understand the Dutch healthcare system. The Netherlands has a universal healthcare system, which means that everyone is required by law to have health insurance.

The Dutch healthcare system is divided into two parts:

  • Basisverzekering (Basic Insurance): This is the mandatory basic health insurance that covers essential medical care, including general practitioner visits, hospital care, and prescription medication.
  • Aanvullende verzekering (Additional Insurance): This is optional supplementary insurance that covers additional healthcare services, such as dental care, physiotherapy, and alternative medicine.

Comparing Health Insurance Plans

Now that we have a basic understanding of the Dutch healthcare system, let’s compare the different Health insurance Netherlands plans available.

1. Plan A: Basic Insurance

  • Coverage: This plan offers coverage for essential medical care, including visits to general practitioners, hospitals, and prescription medication.
  • Premium: The premium for this plan is relatively low compared to other plans.
  • Deductible: There is a yearly deductible that you need to pay before the insurance coverage kicks in.

2. Plan B: Basic Insurance + Dental Coverage

  • Coverage: In addition to the coverage offered by Plan A, this plan also includes dental care coverage.
  • Premium: The premium for this plan is slightly higher than Plan A due to the added dental coverage.
  • Deductible: Similar to Plan A, there is a yearly deductible.

3. Plan C: Basic Insurance + Extended Coverage

  • Coverage: This plan offers extended coverage for services such as physiotherapy, alternative medicine, and mental healthcare in addition to the coverage provided by Plan A.
  • Premium: The premium for this plan is higher than Plan A and Plan B due to the extended coverage.
  • Deductible: Like the previous plans, there is a yearly deductible.

4. Plan D: Comprehensive Insurance

  • Coverage: This plan offers comprehensive coverage for all medical services, including general healthcare, dental care, physiotherapy, mental healthcare, and alternative medicine.
  • Premium: The premium for this plan is the highest among all the plans due to the extensive coverage.
  • Deductible: There is a yearly deductible, but it is higher compared to the other plans.


Choosing the right health insurance plan in the Netherlands can be a daunting task, but it doesn’t have to be. By understanding the different plans available and considering your specific healthcare needs, you can make an informed decision. Remember to compare the coverage, premium, and deductible of each plan before making a choice. Don’t hesitate to seek advice from insurance experts or healthcare professionals if you need further guidance. Stay healthy and insured!

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