Changes in your basic health insurance in 2024
This overview below shows all changes in our basic health-care plan as of January 1, 2024. We have only listed the changes that change the terms and conditions of your insurance.
What will change for you?
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Compulsory excess
The compulsory excess will stay the same in 2024: €385.
Voluntary excessFrom 1 January 2024, you can only choose a voluntary excess of €0 or €500 per year. If you currently have a voluntary excess other than €0 or €500, nothing will change for you. If you want to change your voluntary excess as of 1 January 2024, you can only choose between €0 or €500.
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Statutory personal contribution
The government will adjust personal contributions by 2024. A personal contribution applies to appliances, oral care, birth care and seated patient transport. You can find the personal contributions for 2024 on our website.
Personal contributions for medicines
A personal contribution applies to some medicines. This personal contribution will stay the same: you will never pay more than a total of €250 in personal contribution per calendar year. If you have Benfit or a more comprehensive supplementary plan, personal contributions for medicines are covered.
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Maximum reimbursement limit for non-contracted pharmaceuticals
Do you use medicines? ONVZ has a contract with nearly all pharmacies in the Netherlands. If your pharmacy does not have a contract with us, you will usually have to pay part of the cost of your medication and the service provided by the pharmacy yourself. Please note that this also applies to Dietary Preparations and Contraception.
In our Zorgzoeker [care finder], you can check whether your pharmacy has a contract with us. If not, please check our page Maximum reimbursement limits to check the level of reimbursement. Of course, you can also look for a contracted pharmacy in your area.
Preferential policy for medicines (update 20-11-2023)
Do you use medicines? From 1 January 2024, we will introduce a preference policy for medicines. This means that ONVZ will designate one specific medicine within a group of similar medicines that we will reimburse. And that we will no longer reimburse other comparable (brand-name) medicines, unless your doctor deems it medically necessary for you.
In the list of 'preferred medicines', which will soon be available on our website, you can read which medicines are concerned. No excess applies to these preferred medicines. However, your excess does apply to the pharmacy's accompanying services, such as the prescription or a counselling interview. -
Tackling overweight and obesity in children
Is your child overweight or obese? Their GP can refer them to a counselling programme for your child and your family. Such a programme lasts 3 years and is usually paid for by your municipality. If a combined lifestyle intervention (cli) for your child is part of the programme, the basic health-care plan will cover the counselling programme including the cli. No excess applies to health-care for children up to 18 years of age, which means you do not have to pay anything for the cli.
Combined lifestyle intervention (cli) for adults
Are you overweight and have type II diabetes? The basic health-care plan will sometimes cover a combined lifestyle intervention. From 1 January 2024, this may sometimes also consist of a specialised programme with a 2-day starting meeting and medical supervision for phasing out medication. The excess applies to this programme.
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Specialised remedial therapy
Do you need care from a Cesar or Mensendieck remedial therapist? They are sometimes specialised in another area, like child remedial therapy or pelvic remedial therapy. We also reimburse the health care provided by these specialised therapists. For 2024, this will be included in our reimbursements.
From 1 January 2024 the remedial therapist must always have a registration in the quality register ‘Kwaliteitsregister Paramedici’.
Quality registration physiotherapy and remedial therapy
Do you need care from a physiotherapist or Cesar or Mensendieck remedial therapist? From 1 January 2024, they must be registered in an appropriate quality register. A physiotherapist must be registered in the quality register of the KNGF or Stichting Keurmerk Fysiotherapie. A remedial therapist must be registered in the Kwaliteitsregister Paramedici. You can check with your physiotherapist or remedial therapist whether they are appropriately registered.
Recovery care covid-19
If you suffered from severe Covid-19 and need paramedical recovery care, the basic health-care plan will continue to cover this care in 2024.
Fall prevention
If you have an increased risk of falling and suffer from psychological or physical problems as a result, the basic health-care plan will cover a training programme provided under the supervision of a physiotherapist or remedial therapist from 1 January 2024.
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20-week ultrasound
From 1 January 2024, a 20-week ultrasound will be reimbursed by the government. It will no longer be covered by the basic health-care plan. You will still not have to pay anything for the ultrasound yourself, so you will not be affected by this change.
Maternity care
Do you need maternity care? From 1 January 2024, the maternity care organisation can spread the indicated hours of maternity care over a maximum of 6 weeks, instead of 10 days, from delivery.
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Comprehensive sleep study (polysomnography) or care in complex chronic lung disease (CCL)
Do you have a referral for a comprehensive sleep study (polysomnography) or care for complex chronic lung disease (CCL)? And would you like to go to an institution for these examinations that is not listed on our 'Overview of consent-free institutions for CCL and polysomnography'? Then you will need our prior authorisation to do so from 1 January 2024. Without permission, we will not reimburse this care.
Medical-specialist rehabilitation
Zorginstituut Nederland has made the conditions for reimbursement of medical-specialist rehabilitation by a rehabilitation team in a hospital or rehabilitation centre more strict. From 1 January 2024, your rehabilitation care must meet these conditions.
Prior permission for medical specialist care in some independent treatment centers
With ONVZ, you have optimum freedom of choice, with full reimbursement for all hospitals and contracted independent treatment centers (zbc's). We also reimburse non-contracted zbc's, but not always in full. Sometimes you get the bill yourself and have to declare it to us.
To give you clarity in advance about the care and our reimbursement, you will need prior permission from us for some zbc's from January 1, 2024. Without this permission, we will not reimburse care at these zbc's. A provisional overview of zbc's to which this applies can be found on our website.
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Do you use medical appliances? ONVZ has a contract with many suppliers of medical appliances in the Netherlands. If your supplier does not have a contract with us, you will usually have to pay part of the cost of your appliances yourself. You can also choose another supplier.
In our Zorgzoeker [care finder], you can check whether your supplier has a contract with us. If not, please check our page Maximum reimbursement limits to check the level of reimbursement. Of course, you can also look for a contracted supplier.
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From 1 January 2024, a care institution for sensory impairment does no longer need to be affiliated to VIVIS or SIAC. To guarantee quality of care, ONVZ does make agreements with institutions on systematic quality improvement and its independent assessment.
