Friday 03 April 2020

Most Dutch health insurance policies include limits on payments, research shows

Three quarters of health insurance polices taken out by the Dutch only cover patients completely if they visit a healthcare practitioner who has a contract with the insurer, new figures out on Wednesday show.

Just under 20% have opted to have complete freedom to decide where to get treatment and the rest have opted for a combination policy, according to research by care information platform Vektis.

This year, insurance companies had 58 different policies on offer and 67% of people were covered by a collective policy, often via their jobs, Vektis said.

In addition, 84% of people have taken out top up policies to cover services not covered in the basic state-determined policy. These include items such as extra physiotherapy, homeopathy and dental treatment.

Just over half of patients spend less than the €385 compulsory excess on their health bills last year.

Of those who opted to increase the excess charge by €500 – which results in lower monthly premiums – just 8% ended up having to pay the first €885 of their medical bills themselves.

Vektis over one million people changed insurance company during last year’s window. has been free for 13 years, but now we are asking our readers to help. Your donation will enable us to keep providing you with fair and accurate news and features about all things Dutch.
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