Healthcare costs represent a major recurring expense for many households. The good news: proven strategies exist to lower your health insurance premiums—without increasing your deductible. Here's how to do it effectively.
Unlike in the US, every resident must have basic health insurance covering the standard package defined by the government. This includes general practitioner (GP) visits, psychologist care, and pharmacy prescriptions.
Basic coverage also applies to children. You must enroll your child within four months of birth, but no premiums or deductibles apply until age 18.
Premiums rise annually, straining household budgets. Fortunately, targeted steps can help you save significantly.
Comparing policies each year pays off. Evaluate options for each family member separately—sometimes different insurers offer better deals for individuals. Youth-focused plans or those with broad coverage vary by needs.
Select based on your requirements, scrutinize policy details, and factor in the tips below. The switching window is November 12 to December 31—start early and use reputable comparison sites for efficiency.
Increasing your deductible from the mandatory €385 (max €800) might lower monthly premiums by a few euros, but it's risky. Healthy years aside, an accident or hospitalization requires paying the full deductible out-of-pocket first.
A higher deductible means €415+ more upfront in emergencies. It's wiser to pay slightly more monthly for peace of mind—health issues can strike unexpectedly.
Supplementary policies lack transparency, so list your needs first: physiotherapy for neck/shoulder issues, dental, or glasses.
Dental extras reimburse up to limits and percentages, but premiums may exceed minor treatment costs. Check dentist rates online—for 1-2 cavities or check-ups, self-pay is usually cheaper, especially with reimbursement caps.
Compare expected costs against premium hikes.
Braces can cost thousands. Compare insurers for reimbursement levels and wait times. Basic insurance excludes them unless medically necessary (e.g., genetic issues); premiums apply post-18.
Extras for eyewear often cost more monthly than occasional purchases, especially with deals from Hans Anders or Pearle. Calculate premiums vs. reimbursements and your needs—basic glasses are affordable out-of-pocket.
Healthcare allowance (zorgtoeslag) isn't just for youth. Singles earning under €31,138/year qualify (amounts adjust annually); couples up to €39,979 combined. Assets must stay below €118,479 single/€149,819 partnered.
If under €2,594/month with low assets, apply—the amount scales with income.
Not everything is covered, so set aside ~€30/month per person for the deductible. Unused funds roll over yearly.
For extras, sell unused clothes/toys on Marktplaats, Vinted, or Facebook Marketplace.
