The basic healthcare insurance
The basic insurance is mandatory in the Netherlands. The government determines what all insurance companies should cover under this insurance.
Calculate your premiumThe basic healthcare insurance
The basic insurance is mandatory in the Netherlands. The government determines what all insurance companies should cover under this insurance.
Calculate your premium
Our basic healthcare insurances
Each basic insurance covers, among other things:
- General practitioner (GP)
- Medical Specialists
- Pharmaceuticals
- Patient transport
- Obstetric care
- Maternity care
We have 3 basic insurances
Receive 100% reimbursement at a limited number of selected hospitals and at any care provider with a contract
Receive 75% reimbursement of the average contracted rate at care providers without a contract
Or learn more about the basic insurance
Receive 100% reimbursement at 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
Or learn more about the basic insurance
Receive 100% reimbursement at any hospital and all care providers
Receive 100% reimbursement of the prevailing market rate or statutory rate at care providers without at contract
Or learn more about the basic insurance
The Zilveren Kruis healthcare insurance cards (in Dutch only)
Basic insurances:
Supplementary insurances:
Emergency?
You will receive 100% reimbursement at any hospital, regardless of your basic insurance.
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.
Your collective insurance
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
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.
Save up to € 0 per month
Save up to € 4 per month
Save up to € 8 per month
Save up to € 12 per month
Save up to € 16 per month
Save up to € 20 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
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
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.