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Compare Dutch health insurance by yearly cost

Answer a few questions. For every policy, I calculate what you will spend in 2026 on premiums, the eigen risico (deductible) and care you pay for yourself.

Year and policies

Step 1 of 2

A restitutie (reimbursement) policy gives you the most freedom of choice; a budget policy is usually the cheapest but has fewer contracted care providers.
Through your employer, municipality or an association, you may get a discount on supplementary insurance. Group discounts on basic insurance are not allowed.
How do you want to pay the premium?
Some insurers give a discount if you pay per quarter, half year or year in advance.

Who are you insuring?

Step 2 of 2

I only ask for types of care and numbers, never diagnoses or names of medicines.

Person 1

I include 1 regular care provider(s) in the comparison: for a policy without a contract with that provider I calculate with the lower reimbursement.

Under 18: no premium and no deductible for basic insurance.
Voluntary deductible (vrijwillig eigen risico)
Only applies to people aged 18 or over.
What care do you expect?

For each type of care, tell me how often you expect to need it next year. If you are not sure, make an estimate.

Do you roughly know how much care from basic insurance you use, such as hospital care or medicines? Enter the amount per year.
Add person 2
Person 2
Under 18: no premium and no deductible for basic insurance.
Voluntary deductible (vrijwillig eigen risico)
Only applies to people aged 18 or over.
What care do you expect?

For each type of care, tell me how often you expect to need it next year. If you are not sure, make an estimate.

Do you roughly know how much care from basic insurance you use, such as hospital care or medicines? Enter the amount per year.
Add person 3
Person 3
Under 18: no premium and no deductible for basic insurance.
Voluntary deductible (vrijwillig eigen risico)
Only applies to people aged 18 or over.
What care do you expect?

For each type of care, tell me how often you expect to need it next year. If you are not sure, make an estimate.

Do you roughly know how much care from basic insurance you use, such as hospital care or medicines? Enter the amount per year.
Add person 4
Person 4
Under 18: no premium and no deductible for basic insurance.
Voluntary deductible (vrijwillig eigen risico)
Only applies to people aged 18 or over.
What care do you expect?

For each type of care, tell me how often you expect to need it next year. If you are not sure, make an estimate.

Do you roughly know how much care from basic insurance you use, such as hospital care or medicines? Enter the amount per year.