The basic healthcare insurance

The basic insurance is mandatory in the Netherlands. The government determines what all insurance companies should cover under this insurance. The basic insurance premium does not depend on your age. Each basic insurance covers, among other things:

  • General practitioner (GP)
  • Medical Specialists
  • Pharmaceuticals
  • Patient transport
  • Obstetric care
  • Maternity care

We have 3 basic insurances

Basis Budget

Receive 100% reimbursement at
a limited number of selected
and at any
care provider with a contract

Receive 75% reimbursement of the
average contracted rate
at care providers without a contract
Learn more

Basis Zeker

Receive 100% reimbursement 
at all contracted hospitals and
all care providers with a contract

Receive 75% reimbursement of the
average contracted rate
at care providers without a contract
Learn more

Basis Exclusief

Receive 100% reimbursement of the
prevailing market rate or statutory rate
at any hospital and care providers

Learn more

Emergency? You will receive 100% reimbursement at any hospital, regardless of your basic insurance.


Discount on your insurance premium via your employer or association?

Zilveren Kruis is the leading collective healthcare insurer. Many employers have collective insurance with us for their employees. We also have collective insurances for sports associations and member organizations

Advantages of collective healthcare insurance:
  • Discount on your premium for your partner and children as well
  • Often extra reimbursements

Learn more about collective insurances


Children younger than 18 don't pay premium


Children younger than 18 are co-insured for the basic and supplementary insurances. You don't pay premium for them. The excess doesn't apply to children younger than 18, however the statutory contribution sometimes applies. Do you or your partner have supplementary insurance? Your children will also receive the same supplementary package as the parent with the most extensive supplementary package.


The excess

The excess for 2020 is € 385. This means that you will need to pay € 385 before the basic insurance reimburses your medical costs. The excess applies per calendar year and only to the basic insurance.

The excess doesn't apply to, among other things:

  • General practitioner (GP)
  • Maternity care
  • Care for your child under 18

The higher the excess, the lower the insurance premium

You can increase your voluntary excess for 2020 up to a maximum of € 885 for a lower insurance premium. However, you will pay a higher amount for medical costs.

View below what you will save on your insurance premium with a higher excess.

  • € 385
  • € 485
  • € 585
  • € 685
  • € 785
  • € 885
Save up to 0 per month

What is and isn’t covered by basic insurance?

What is reimbursed

  • Your GP
  • Hospital treatment
  • Medical specialists
  • Medicines
  • Ambulance and other patient transportation
  • Maternity care and obstetric care
  • Dental care up to the age of 18
  • Physiotherapy up to the age of 18
  • Psychological care
View all the reimbursements

Not reimbursed (among others)

  • Physiotherapy for non-chronic illness
  • Dental care for those over 18
  • Orthodontics
  • Alternative treatments
  • Spectacles and contact lenses
  • Maternity package
You can insure these medical costs
via our supplementary insurances.

The Basis Plus Module

Insure yourself against unexpected high costs for a small amount

The Basis Plus Module also covers:

  • Dental care after an accident
  • Help at home after a hospital stay
€ 2,50

Frequently asked questions

If no further health care is needed (e.g. physiotherapy or dental check-ups), then a basic insurance is enough. Take into account that unexpected cost are not covered by the basic insurance. For example, if you become ill abroad and need to be brought back to the Netherlands.  
Until the age of 18, the basic insurance covers 18 physiotherapy treatments. For adults, the basic insurance does not cover physiotherapy. In most cases, physiotherapy is covered under the supplementary insurance. Find the complete reimbursement for those over 18 in our overview (in Dutch only).  
Contraception is only covered by the basic health insurance on medical grounds or for those younger than 21. In all other cases, contraception is reimbursed under the supplementary insurance. You will find the reimbursement for contraception in the overview of benefits (in Dutch only).  
In some countries medical costs are higher than in the Netherlands. With supplementary insurance, you are better insured against unexpected costs. In our overview of reimbursements (in Dutch only), you will find everything about reimbursements of costs made abroad. 
We do our best to give you an answer as soon as possible. Find out what our agreements are about the response time (reactietermijnen) (in Dutch only) of your question, complaint, comment or suggestion.