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    All explanations are drafts until a qualified teacher has reviewed them. Where a translation is still missing, you see the Dutch.

    Home / Knowledge base / Health insurance and the deductible

    Theme 4 · Health and healthcare

    Health insurance and the deductible

    Health insurance is compulsory. What is in the basic package, what is the deductible and when can you switch?

    Draft · not yet reviewed by a teacher

    Compulsory

    Everyone who lives or works in the Netherlands must have health insurance. You choose an insurer yourself and you may switch every year.

    The basic package is the same for everyone. It includes GP care, district nursing, pregnancy and maternity care and mental healthcare. You can also take out supplementary insurance voluntarily.

    Deductible and personal contribution

    The (eigen risico) is an amount per year that you first pay yourself for certain care in the basic package. A visit to the GP does not count towards the deductible. You can pay the deductible in instalments.

    For children under 18, the dentist and physiotherapy are in the basic package. Adults can take supplementary insurance for these.

    Sources

    Attainment targets

    • 4.4.1
    • 4.4.2

    Checked on November 8, 2026