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Choosing the most affordable expat health insurance in the Netherlands without mandatory excess

Home Healthcare Healthcare Basics Choosing the most affordable expat health insurance in the Netherlands without mandatory excess
Last update on January 27, 2019

LoonZorg’s No Risk policy is made especially for expats and their families. It exempts you from the high ‘own risk’ costs included in basic Dutch insurance packages, but still offers access to world-class healthcare. [Contributed by LoonZorg]

Dutch health insurance policies are notorious for their high ‘own risk’ costs—in other words, the deductibles, also called excess—which must be paid on top of monthly premiums. LoonZorg offers a new and better option especially for expats looking to receive the same high quality of care in the Netherlands without the extra mandatory cost of EUR 385. Dutch expat health insurance provider LoonZorg discusses the benefits of this unique and affordable health insurance policy.

Compulsory health insurance in the Netherlands

For almost everyone who is registered as a resident in the Netherlands, it is compulsory to be insured for healthcare by a Dutch health insurer.

The content of this obligated basic health insurance or the standard package (basisverzekering) is determined by the Dutch government. For example, it contains (partial) coverage for medical care performed by the general practitioner (huisarts), maternity care and hospital care.

Besides the obligated standard package, one is free to purchase a supplementary package (aanvullende verzekering) to cover expenses for care that is not covered in the standard package. One can cover, for instance, costs for physiotherapy or eye care by enrolling in a supplementary healthcare package.

Mandatory excess in the Netherlands

Although the content or the coverage of the basisverzekering is exactly the same, the premium that different health insurance companies charge varies. Be aware, however, that the lowest premium may also have greater financial consequences.

In 2017, everyone must pay the first EUR 385 of their healthcare expenses out of their own pocket, as this amount is not covered by the basic Dutch health insurance or basisverzekering. This deductible, or excess amount is known as your mandatory excess, or eigen risico.

Besides this compulsory payment, one can lower their monthly premium by choosing a basisverzekering with an extra voluntary excess. This mandatory excess could be as high as EUR 885, which the insured has to pay before being able to claim or reimburse care expenses.

However, as an expat you can sign up for LoonZorg’s new No Risk insurance policy, which exempts you from paying the annual excess of EUR 385.

LoonZorg specialises in health care packages for expats

As an intermediary, LoonZorg offers the health insurances of HollandZorg and CZ. We provide people with information about the health care system and help them to choose the right package, such as the No Risk policy — the most popular health insurance we offer.

No Risk policy

This new No Risk policy is only available to expats and has a monthly premium of EUR 97,03. The only two requirements for this special insurance policy are that you or your expat partner are (self-)employed in the Netherlands. Expats who are newly arrived or currently settled in the Netherlands are both eligible for the policy.

Benefits of the No Risk policy

In addition to what is already covered by the basic health insurance, LoonZorg’s No Risk policy offers the following benefits

Expat health insurance: Netherlands

  • 10 percent discount on the basic health insurance monthly premiums
  • Coverage of emergency dental care to a value of EUR 200 per year
  • Coverage of repatriation to your home country within geographical Europe
  • Insurance can be ended with one day’s notice
  • Coverage of the mandatory excess

How does it work?

LoonZorg’s special rates are based on the fact that the average healthcare consumption of expats is lower than that of Dutch citizens. Because of this, LoonZorg has been able to develop an agreement with a major healthcare provider to be able to offer this special insurance expats. This health insurance package can be ended on a daily basis and has a premium of EUR 97,03 per month.

It is important to know that HollandZorg does not offer supplementary insurances to this policy package. This No Risk policy is meant for expats and/or their partners who work in the Netherlands and do not have a Dutch passport. You are not allowed to have a Dutch passport when enrolled in this package.

How to sign up for ‘No Risk’ insurance

Sign up for LoonZorg’s No Risk health insurance policy by filling out the form on the website. You or your expat partner will need to provide a copy of your passport and an employer’s statement to prove that you are employed in the Netherlands. LoonZorg will contact you after receiving the registration form.

Standard health insurances plus extended coverages of HollandZorg

For expats who would like to take out extra additional health insurance, it is also possible to take out standard health insurance via LoonZorg with a substantial discount. These offers also apply for partners of expats. Although these health insurances are offered with a substantial discount, please be aware that these policies do come with a mandatory excess. The premium depends on the amount of the excess as well as the supplementary insurance. You can find the packages we offer here.

The discounts are seven percent on the premium of the basic health insurance and seven percent on the premium of the additional (supplementary) insurances. You can find more information about HollandZorg here.


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Contributed by Remko van der Zwart, LoonZorg.

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Photo Credit: selmaemiliano (thumbnail).