Compare Dutch health insurance by total yearly cost
Every policy calculated: premiums, eigen risico (deductible) and care you pay yourself.
Health insurance in 2026 at a glance
Switching opens again once the premiums for 2027 are published.
Switching€1,550
Maximum zorgtoeslag (healthcare allowance) in 2026, without a benefits partner
Healthcare allowance- Total yearly cost, not just the premium
- Every number linked to the insurer's own source
- Ranked by cost, not by commission
- Also available in ChatGPT, Claude and other AI tools
How I calculate
Annual costs = basic premium + supplementary premium − collective discount + expected deductible + statutory contributions + what your supplementary package does not cover.
Rates and assumptions are shown with every result.
On the website, I sort by expected yearly cost, from low to high. Through the MCP server and the API, you can also sort by premium, choice of care or customer rating. If results are equal, I sort by insurer and then by policy. I show every policy that matches your filters. There are no paid placements, and fees I receive have no influence on the order.
The same policies, two orders
Example for 2026: one person, born in 1986, no voluntary deductible, with 12 sessions of physiotherapy.
- 1 VinkVink Basisverzekering VinkVink €142.40 per month
- 2 NN Zorg Voordelig Nationale-Nederlanden €142.45 per month
- 3 IZZ Basisverzekering Variant Bewuzt IZZ Zorgverzekering door VGZ €147.40 per month
- 4 UC Bewuste Keuze UnitedConsumers Zorgverzekering €147.40 per month
- 1 a.s.r. Bewuste Keuze a.s.r. With Ongevallendekking Fysio & Tand €1,807 per year
- 2 Basis FBTO With Basis Vitaal €1,808 per year
- 3 Zelf Bewust Polis De Friesland With Basis Vitaal €1,832 per year
- 4 Juiste Keuze Ik kies zelf van a.s.r. With Ongevallendekking Fysio & Tand €1,851 per year
Assumptions
- Mandatory deductible (eigen risico) 2026: €385.00 (final)
- Age determined on 1 January 2026 (birthday assumed after 1 January)
- Tariff Physiotherapy: €38.40 per treatment (reference tariff 2026)
- Amounts rounded to whole cents per cost line
Sources
- Statutory amounts 2026 (Dutch government) (Retrieved on 1 January 2026)
- Premium overview VinkVink 2026 (Retrieved on 28 October 2026)
- Premium overview Nationale-Nederlanden 2026 (Retrieved on 28 October 2026)
- Premium overview IZZ Zorgverzekering door VGZ 2026 (Retrieved on 28 October 2026)
- Premium overview UnitedConsumers Zorgverzekering 2026 (Retrieved on 28 October 2026)
- Premium overview a.s.r. 2026 (Retrieved on 28 October 2026)
- Coverage overview a.s.r. 2026 (Retrieved on 28 October 2026)
- Premium overview FBTO 2026 (Retrieved on 28 October 2026)
- Premium overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026)
- Premium overview De Friesland 2026 (Retrieved on 28 October 2026)
- Premium overview Ik kies zelf van a.s.r. 2026 (Retrieved on 28 October 2026)
- Average rate physiotherapy 2026
- Average rate physiotherapy 2027
Use me in your AI assistant
Ask your questions about Dutch health insurance in ChatGPT, Claude or your own tools. The assistant gets premiums, coverage and contracts directly from my database, with sources.
MCP server URL: https://mcp.zorgverzekering.chat/mcp
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ChatGPT
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Claude
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Cursor
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VS Code
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Gemini CLI
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REST API
All insurers
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a.s.r.
In-kind policy (natura), Combination policy (combinatie)
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Aevitae
In-kind policy (natura), Combination policy (combinatie)
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Anderzorg
Combination policy (combinatie)
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Aon Verzekeringen
In-kind policy (natura), Combination policy (combinatie)
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AZVZ
In-kind policy (natura)
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Care4Life
In-kind policy (natura), Combination policy (combinatie)
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CZ
In-kind policy (natura), Combination policy (combinatie)
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CZdirect
In-kind policy (natura)
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De christelijke zorgverzekeraar
In-kind policy (natura)
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De Friesland
In-kind policy (natura)
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DSW
Combination policy (combinatie)
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FBTO
In-kind policy (natura), Combination policy (combinatie)
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HollandZorg
In-kind policy (natura)
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Ik kies zelf van a.s.r.
In-kind policy (natura), Combination policy (combinatie)
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Interpolis
In-kind policy (natura)
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IZA
In-kind policy (natura), Combination policy (combinatie)
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IZZ Zorgverzekering door CZ
In-kind policy (natura), Combination policy (combinatie)
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IZZ Zorgverzekering door VGZ
In-kind policy (natura), Combination policy (combinatie)
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Just
In-kind policy (natura)
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Menzis
In-kind policy (natura), Combination policy (combinatie)
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Nationale-Nederlanden
In-kind policy (natura), Combination policy (combinatie)
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OHRA
Combination policy (combinatie)
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ONVZ
In-kind policy (natura), Combination policy (combinatie)
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PZP Politie Zorgpolis
In-kind policy (natura), Combination policy (combinatie)
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Salland Zorgverzekeringen
In-kind policy (natura)
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Stad Holland
Combination policy (combinatie)
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UnitedConsumers Zorgverzekering
In-kind policy (natura), Combination policy (combinatie)
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Univé
In-kind policy (natura), Combination policy (combinatie)
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VGZ
In-kind policy (natura), Combination policy (combinatie)
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VGZbewuzt
In-kind policy (natura)
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VinkVink
Combination policy (combinatie)
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VvAA zorgverzekering
In-kind policy (natura), Combination policy (combinatie)
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ZEKUR
In-kind policy (natura), Combination policy (combinatie)
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ZieZo
In-kind policy (natura)
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Zilveren Kruis
In-kind policy (natura), Combination policy (combinatie)
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Zorg en Zekerheid
In-kind policy (natura), Combination policy (combinatie)
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Zorgverzekering UMC
In-kind policy (natura), Combination policy (combinatie)
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Zorgzaam
In-kind policy (natura)
Start comparing
Tell me who you want to insure and what care you expect. For every policy, I calculate what you will spend in 2026 on premiums, the eigen risico (mandatory deductible) and care you pay for yourself.