Navigating the Dutch healthcare system can be a daunting task, especially when it comes to choosing the right health insurance. With 2025 just a day away, it’s the perfect time to evaluate whether your current policy still meets your needs. Here are five common questions to help you make an informed decision.

Which basic health insurance plan suits you best?

In the Netherlands, basic health insurance (“basisverzekering”) is mandatory for all residents. It covers essential healthcare services such as visits to the general practitioner, hospital care, and prescribed medications. However, not all basic plans are the same. Consider:

• Budget policies: Lower premiums but limited provider options.
• Regular policies: Broader access to healthcare providers at a moderate cost.
• Restitution policies: More freedom to choose your healthcare providers, often at a higher premium.

An insurance company like UnitedConsumers offers clear and affordable options tailored to different needs, ensuring expats get access to the healthcare they require without overpaying.

Do you need supplemental insurance?

While the basic package is extensive, it doesn’t cover everything. Supplemental insurance (“aanvullende verzekering”) may be necessary for services like:

• Dental care
• Physiotherapy
• Alternative medicine
• Glasses and contact lenses

Shop around and check out what you really need and if you can get a better deal. UnitedConsumers, for example, offer a 20% discount on supplemental and dental insurance, making it a cost-effective choice. These savings can add up significantly over the course of a year, making high-quality care more accessible.

Should I go for the cheapest option for 2025?

If keeping costs low is your priority, UnitedConsumers is worth considering. For those willing to take on a higher deductible (“eigen risico”), they offer the lowest-cost plan in the Netherlands for 2025. This is an excellent option for healthy individuals who expect minimal healthcare expenses but still want comprehensive coverage when needed.

How can you switch, and what is the deadline?

Switching health insurance is straightforward in the Netherlands. You can cancel your current policy by December 31 and must select a new plan by January 31, 2025. Your new provider will do most of the work involved in making the change for you.

What are the key things to think about in a nutshell?

• Sharp premiums: Competitive pricing without compromising on coverage.
• Comprehensive options: Tailored plans for diverse needs.
• High satisfaction ratings: Check how customers rate their services.

Whether you prioritise savings, flexibility, or top-tier customer service, it is worth checking out UnitedConsumers to see if they fit your needs.

This article was provided by UnitedConsumers.