The basic healthcare insurance

The basic insurance is mandatory in the Netherlands. The government determines what is covered and is the same with each healthcare insurer. 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 healthcare insurances

Basis Budget

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

Receive 75% reimbursement at
care providers without
a contract

Read more

€ 104.95

Basis Zeker

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

Receive 75% reimbursement at
care providers without
a contract

Read more

€ 117.45

Basis Exclusief

Receive 100% reimbursement at
all hospitals
and all care providers

Receive 100% reimbursement of the market or statutory rates
at care providers without
a contract

Read more

€ 121.75
Emergency? You will receive 100% reimbursement at any hospital,
regardless of your basic insurance.

Discount on your insurance premium via your employer?

Zilveren Kruis is the leading collective healthcare insurer. More than 15.000 employers have arranged collective healthcare 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

Find a collective
Learn more about collective insurances



Children younger than 18 don't pay premium


You do not pay premium or excess for children younger than 18. Sometimes you have to pay a personal contribution. Do you have a Basis Budget package? Your children will automatically receive the same package. 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 2017 is € 385. This means that you will pay the an amount of € 385 first before the basic insurance reimburses medical costs. The excess applies per calendar year and only to the basic insurance.

  • General practitioner
  • Maternity care
  • Care for your child under 18

The higher the excess, the lower the insurance premium

You can increase your voluntary excess for 2017 up to a maximum of € 885 for a lower insurance premium. However, you will pay a higher amount for medical costs.

Save up to 0.00 per month
Do you expect a considerable amount of care in 2017?
Then you may want to choose a lower excess.
Calculate your premium
Learn more about the excess

What is and isn’t covered by basic insurance?

What is reimbursed

  • Your general practitioner
  • Treatment in hospital
  • 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 31 more reimbursements

Not reimbursed (among others)

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

The Basis Plus Module

The basic insurance sometimes covers less than you expect. With the Basis Plus Module, you insure yourself against unexpected high costs for only € 2.95 per month.

The Basis Plus Module also covers:

  • Dental care after an accident
  • Help at home after a hospital stay
  • Statutory personal contribution for medicines

Basis Plus Module

€ 2,95 p/m

Learn more about the Basis Plus Module

Frequently asked questions

You could say: 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, when you become ill abroad and brought back to the Netherlands.
The basic insurance covers 18 treatments physiotherapy for those up to 18 years. Are you over 18, then the basic insurance doesn't 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 under the basic insurance when you are younger than 18 or on medical grounds. 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.