Excess and additional coverage

The health care insurance is subject to a mandatory excess. This means you pay the first part of the care you receive yourself. The excess rate is set annually. In addition to the mandatory basic health insurance, which covers medical care included in the basic package, you can take out additional coverage via your health insurer.

Health care benefit entitlement

Health care benefit is a contribution to the costs of your healthcare insurance. Whether you are entitled to health care benefit depends on your income level, among other things.

Employing uninsured workers

Your employees must have taken out a Dutch health care insurance. If an employee fails to take out health care insurance, the Dutch National Health Care Institute will do this for them as soon as they are aware of this omission. Their employer will subsequently be charged for the monthly premium for this insurance.


The Healthcare Insurance Act also applies if you do not live in the Netherlands, but if you are insured in the Netherlands for the Exceptional Medical Expenses Act. You are then required to have basic health insurance. Besides this, you may be entitled to health care benefit.