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Just Basic by Just (2026)

Just Basic from Just for 2026. Policy type: in-kind policy (natura).

  • In-kind policy (natura)
Policy type
In-kind policy (natura)
Insurer
Just

Summary

With a natura (in-kind) policy, care is fully covered at care providers that have a contract with this insurer. At a provider without a contract, you often get only part of the costs reimbursed.

Just Basic (Zorgverzekering Natura Just) is an in-kind policy: contracted care is fully covered at the agreed rate. Non-contracted providers are reimbursed at 60% of the average contracted rate.

This summary was written from the insurer's documents and checked by me. The insurer's policy terms (polisvoorwaarden) are legally binding.

Source: Policy conditions Just 2026 (Retrieved on 28 October 2026)

Premium per deductible level

The higher your voluntary deductible (vrijwillig eigen risico), the lower your premium. But if you use care that counts towards the deductible, you pay more yourself.

Premium per deductible level
Voluntary deductible Total deductible Per month Per year
None€385€151.45€1,817.40
€100€485UnknownUnknown
€200€585UnknownUnknown
€300€685€137.95€1,655.40
€400€785UnknownUnknown
€500€885€128.95€1,547.40

The premium for this policy is the same for everyone aged 18 or over, regardless of age or health. Children under 18 pay no premium for basic insurance.

Choice of care providers

How much is reimbursed if you go to a care provider that has no contract with Just.

Reimbursement for non-contracted care
Type of care Reimbursement without a contract
Pharmacy and medicines60% of the average contracted rate
Physiotherapy60% of the average contracted rate
geboortezorg60% of the average contracted rate
Mental health care (ggz)60% of the average contracted rate
Medical aids60% of the average contracted rate
Independent clinics60% of the average contracted rate
Other care60% of the average contracted rate
District nursing (wijkverpleging)60% of the average contracted rate
Hospital care60% of the average contracted rate

Restrictions of this budget policy

  • Contracts with a limited number of care providers

Hospitals and clinics

Which hospitals, clinics and other institutions have a contract with Just Basic? I know the status of 23954 care providers. Click a name for the details and the source.

Contracted (15196)

I show 100 of 15196, hospitals and clinics first.

Partly contracted (613)

I show 100 of 613, hospitals and clinics first.

No contract (8099)

I show 100 of 8099, hospitals and clinics first.

Unknown (46)

According to the care finder (zorgzoeker) of Just, retrieved on 28 October 2026. Contracts can change during the year. Before treatment, always check with your insurer or the care provider whether there is a contract.

Find another care provider

What is covered

Basic insurance covers the same care at every insurer; the government decides the basic package. Insurers differ in premium, choice of care providers and service.

Supplementary insurance with this policy

These packages from Just can be combined with Just Basic.

Changes since 2025

This policy is new in 2026.

Sources

  1. Policy conditions Just 2026 (Retrieved on 28 October 2026)
  2. Premium overview Just 2026 (Retrieved on 29 October 2026)
  3. Premium overview Just 2026 (Retrieved on 28 October 2026)