Statutory personal contribution
You’ll always have to pay portion of healthcare costs and this is called a statutory personal contribution. Whatever the amount, we’ll both pay a share of the costs. This is different from the mandatory excess.
How high is my statutory contribution?
A statutory personal contribution is an amount or percentage that you have to pay for certain types of medical treatment and depends on your insurance package. Before you start a treatment, check whether the statutory contribution applies.
Check the reimbursements overview (in Dutch only)
You pay a statutory personal contribution
The government has decided that you will pay a statutory contribution for some healthcare covered by basic insurance, namely:
Further information in Dutch only.
- Child delivery and maternity care
- Some dental care from the age of 18
- Dental prostheses, such as dentures
- Certain types of medication, such as long-acting ADHD medicines
- Certain types of medical devices, such as a hearing aid or wig
- Seated transport
Sometimes you will also pay a statutory contribution for healthcare covered by supplementary insurance, such as dental treatment, as you will pay a fixed percentage of the costs.
An example
Let’s say you go to the dentist for a filling and the bill is €100 for the anaesthetic and the filling. Your supplementary insurance covers 75% and your statutory contribution is 25%. This is the amount of the bill you’ll receive and we’ll reimburse the rest.
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Statutory personal contribution at non-contracted care providers
To keep healthcare and premiums affordable, we make agreements with care providers about the quality, cooperation and the cost of healthcare. Healthcare provided by care providers without a contract is known as non-contracted care providers, where we will pay part of the costs and you pay more. Further information in Ducht only.
Basis Budget has fewer care providers with a contract with Zilveren Kruis than our other basic insurances. Choose a care provider with a contract, especially if you need hospital treatment, as the costs can be considerable.
An example
Let’s say you go to the pharmacy that we don’t have a contract with, we’ll pay 75% of the average contracted rate. If your medicine costs €40, we’ll pay €30 because that’s the 75% of the average contracted rate and the rest is up to you, even if your medicine is more expensive at your own pharmacy.
Frequently asked questions
Who do I pay the statutory personal contribution for medicines to?
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You don’t have to pay the personal contribution when you collect your medicine, as the pharmacy sends us the bill, which we’ll pay. You will then receive a bill from us to pay the statutory contribution.
Can I also choose a voluntary personal contribution?
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No, the statutory personal contribution doesn’t have a voluntary personal contribution.
How do I know if I have to pay a personal contribution when I need care?
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You can check our reimbursement overview to see if a personal contribution applies to your reimbursement. This applies to things like maternity care, medical devices and seated transport.