Basis Budget
Would you prefer a competitive basic insurance and you don’t mind visiting a limited number of hospitals in the Netherlands for planned car, then Basis Budget is your best choice. The Basis Budget for 2024 will cost €140.45 per month.
Where you can go to with Basis Budget
Choose from selected hospitals
The Basis Budget is an arranged care policy (naturapolis) with a limited number of contracted hospitals. The selected hospitals offer quality care at the lowest price and there’s always a selected hospital within a 30 minute drive. All treatments are reimbursed 100% only in selected hospitals and are fewer available hospitals than with our other basic insurances, so we can offer you a competitive premium. You can go to any hospital in the Netherlands in case of an emergency.
The quality of care in the selected hospitals for the Basis Budget is the same as in all the hospitals we have a contract with. All the hospitals meet our quality requirements.
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Do you have a referral from your GP?
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Check which care provider is reimbursed 100%.
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This will prevent you from having to pay part of the bill.
100% reimbursement only at selected care providers
If you go to a non-selected hospital or care provider, you will receive 75% of the average contracted rate and you will pay the rest yourself (in Dutch only). Before you make an appointment, check whether the costs are reimbursed in full as you are initially responsible for checking whether the selected hospital has contract and is reimbursed up to 100%. The ‘Zorgzoeker’ (care provider search tool) can help you with an overview of all the selected hospitals. Hospitals are legally obliged to inform you if they have a contract and how much your treatment will cost. The ‘Zorgzoeker’ is available in Dutch only.
By other care providers include physiotherapists, chiropodists or an independent treatment centres. Please note that reimbursements are subject to the mandatory excess.
Compare our 3 basic insurances
Some treatments reimbursed 100% in any hospital
100% reimbursement in any hospital in the Netherlands for:
- Urgent medical care. Even if you are transferred from the emergency care (A&E) unit to a non-selected hospital for in-patient treatment. The follow-up treatment and check-ups following your emergency treatment at non-selected hospital are covered and this also applies to emergency outpatient treatment within 24 hours of referral.
100% reimbursement at all Zilveren Kruis contracted hospitals for:
- Referred treatment by a medical specialist from healthcare institution A to a healthcare institution B, which doesn’t have a contract under the Basis Budget. We call this tertiary referral. Follow-up treatments, check-ups and internal referrals in a non-selected hospital are part of this reimbursement.
- Obstetric care (hospital care during pregnancy).
- care for children under the age of 18. Your children will automatically receive the Basis Zeker if you choose the Basis Budget.
- An ongoing treatment that you started when the hospital was selected for the Basis Budget or an ongoing treatment that you started before you switched to the Basis Budget. You can finish this treatment.
- A treatment that can only be given in a specific hospital. This is called the Dutch Special Medical Procedures (Wet op bijzondere medische verrichtingen (Wbmv)).
- A treatment that is covered by another care product, such as oral surgery, lab tests or x-rays.
- A Treatment in hospital that falls under mental health care (GGZ).
- Prostate cancer surgery. You can go to any hospitals with whom we have a contract for prostate cancer surgery.
- 100% reimbursement for transgender treatment. You can find hospitals in the Netherlands that specialise in providing this treatment.
The excess applies to nearly all reimbursements from the basic insurance and the insurance terms and conditions (pdf) apply.
Frequently asked questions
You have been treated in a hospital that was not selected for Basis Budget, which means that your reimbursement will be up to 75% of the average contracted rate for that treatment, as set out in the terms and conditions of the Basis Budget policy.
You can find an overview of the 100% reimbursed Basis Budget selected hospitals online and in the ‘zorgzoeker’. Hospitals are also legally bound to inform you before you start treatment what the costs are for the treatment.
You will have to go to another selected hospital. A waiting list isn’t a reason to go to a non-selected hospital and sometimes another selected hospital may be further away. Contact our ‘Zorgcoach’ (waiting list mediation) and find out what your options are for another selected hospital. Information available in Dutch only.
No, you don’t. If you’re admitted to a non-selected hospital for urgent medical treatment, then these costs will be covered under the reimbursement for urgent medical care. This also applies to any follow-up treatment and check-ups at the non-selected hospital following emergency admission or emergency outpatient treatment within 24 hours of your referral.