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What does health insurance cost?

Taking out health insurance is mandatory for everyone 18 years and older in the Netherlands. For many people, the premium determines the choice of which policy to take out and with which insurer. The differences between the cheapest and most expensive basic insurance in the market can be quite significant.


Basic health insurance

The monthly premium of your health insurance is the sum of the premium of your basic insurance and the premium of your (possible) additional (dental) insurance. The premium of the basic health insurance is based, among other things, on the basic package and the compulsory excess set by the government. Health insurers need a minimum premium to pay for health care costs. Each insurer calculates the minimum premium they must charge for this. That premium takes into account even more, including certain reserves and operating costs of the insurers. What basic insurance will cost you each month ultimately depends on the insurer, the deductible chosen and the type of basic insurance you choose.


what does health insurance cost

Health insurance costs

In addition to the cost of basic insurance, you can also choose supplemental insurance. For example, you can take out supplementary insurance for the dentist and for physical therapy. The latter usually as part of a package with multiple coverages such as alternative medicine or reimbursement for substitute care. Depending on your health and/or your personal wishes, you can choose from various supplementary insurances. The cost of health insurance is therefore different for everyone. Comparing your health insurance is therefore essential to determine what health insurance costs for your personal situation.

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Health insurance for an 18-year-old

Until the age of 18, children are co-insured with their parents. The moment someone turns 18, he/she has to take out his/her own health insurance. This has to be arranged at the latest one month after the 18th birthday. Young people usually do not need that much care and a basic insurance with increased excess is usually sufficient, without supplementary insurances. Of course, this differs per situation. Many young people choose to insure themselves with the same insurance company as their parents. This is not always the best option. Therefore, it is wise to compare the different health insurance policies in order to choose the best one .


Health insurance for young adults/students

As a student, of course, you already have enough expenses and often not much income yet. But good health insurance is also essential for students and young adults. Therefore, see if you are entitled to care allowance. This can lower your monthly costs considerably. You can check this with the tax authorities. Increasing your deductible can also lower your premium a bit further. However, if you do run into health care costs, the initial cost of care will be higher than you can possibly bear. Finally, check whether you think you need additional insurance.

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