Next year, the Dutch will pay for their basic health insurance on average 137 euros per person per month. For monthly contributions in 2023, you will have to spend approximately 1649 euros per year from your budget, which is 120 euros more than this year.
Premium - monthly fee
The Dutch healthcare system provides for compulsory health insurance (more on this in our overview materials: Part 1 и Part 2). Every Dutchman must pay monthly premiums towards his insurance policy.. At the same time, the size of the monthly contribution (premie) is set by the government and announced in Prince's Day (Prinsjesdag) in the new National Public Health Budget.
10 euros more per month
Previous estimates suggested a much higher increase in premie, namely up to 147 euros per month. So that it's not that bad, although the increase is rather big. Next year, one person will spend more by about 10 euros per month. This only applies to basic insurance premiums. Thus, a family of two will have to allocate about 240 euros more per year for basic health insurance.
Additional medical insurance
The increase in the monthly premium for basic health insurance is mainly the result of rising prices and wages in the health sector. It is expected that additional insurance will rise in price due to inflation, which is about 8%. Someone who spends 20 euros per month on additional insurance will pay approximately 1,60 euros more per month.
Health insurance subsidy - zorgtoeslag
The good news is that along with the monthly fee the subsidy for health insurance will also increase - zorgtoeslag (You can read more about this subsidy and make a request for it through Nalog.nl). In fact, next year families will receive a maximum of 34 euros per month more.
Insurers' offers
The amount of premie announced by the government is used as a guideline for insurance companies. The insurer may decide to deviate from this and charge a lower premium, for example by using its financial reserves. In addition, the insurance company can reduce costs by negotiating with medical institutions for a more competitive cost of services or by reducing the reimbursement under the insurance policy.
Premie offers from all insurance companies will be announced no later than November 12. From now on it will be possible compare offersto make your choice. Current data show that the cost of basic insurance is on average 128 euros.
Eigen risico (franchise) unchanged
The conditions of health insurance cover the so-called own risk (eigen risico, deductibles). To find out what we are talking about, we offer you familiarize with our material. At the same time, the amount of the franchise in 2023 remains the same and amounts to 385 euros. For all the insured, they left the opportunity to voluntarily increase the deductible by a maximum of 500 euros: if this is done, the monthly premium (premie) will decrease by about 20 euros.
