Health basic and health premium
If you are not (or are no longer) eligible for a Dutch basic health-care plan, don't worry, ONVZ has the answer — Health Basic and Health Premium.
Health Basic is a health-care plan that covers most of your necessary medical costs, while Health Premium offers more extensive coverage for things like physical therapy (e.g. physiotherapy), dental care and preventive medical investigations. It goes without saying that for most kinds of health-care, you are free to decide which health-care provider you want to go to. Outside of the Netherlands, both health-care plans only cover urgent health-care. These insurances are private health insurances and will not give exemption for the mandatory insurance.
Who it's for
You can take out Health Basic or Health Premium in the following situations:
- You live in the Netherlands and are waiting for a permanent residence permit. Depending on the type of residence permit you receive, you may be able to take out a Dutch basic health-care plan later on.
- You live in the Netherlands, but are not eligible for the Dutch basic health-care plan. You are registered at a municipality. This can be the case if you are a foreign student, for instance.
Unlike the basic health-care plan, Health Basic and Health Premium are subject to a screening procedure to determine whether you are eligible for the plan. This means that you will be asked to answer some questions about your medical history when you take out the plan.
Please note: it is not possible to take out a supplementary and/or dental health-care plan along with Health Basic and Health Premium. Planned health care abroad is not covered.
Coverages
Here is a list of the key coverage provided by Health Basic and Health Premium. Occasionally, additional terms and conditions apply. The general terms and conditions and coverage determine the exact coverage provided.
Please see below our coverage summary for a comprehensive list of the coverage provided. The complete terms and conditions are set out in the document entitled 'General rules and regulations and coverage'.
Coverage for Health Basic
-
100%
-
100%, maximum admission of 1 year
-
Most medicines
-
€ 5,000, maximum of 1 accident per calendar year
-
Medical mental health-care: 100%
Admission for medical mental health-care: 100% in specific cases. A maximum of 1 year applies to admissions
-
100%, up to the statutory of prevailing market rate in the country where you receive treatment, during a stay abroad for a maximum of 180 consecutive days per year.
Coverage for Health Premium
-
100%
-
100%, maximum admission of 1 year
-
Most medicines + extra coverage, up to a combined maximum of € 500 per calendar year, for statutory personal contributions, contraceptive medicines and over-the-counter medication
-
€ 5,000, maximum of 1 accident per calendar year
-
Up to a maximum of € 300 per calendar year
-
Up to a maximum of € 500 per calendar year
-
Medical mental health-care: 100%
Admission for medical mental health-care: 100% in specific cases. A maximum of 1 year applies to admissions
-
Maximum of € 2,000 per calendar year for the treatments below combined:
- physiotherapy, Cesar and Mensendieck remedial therapy
- foot specialist treatment and podiatry/chiropody
- chiropractic therapy and osteopathy
- occupational therapy
- speech therapy
- dietetics
- acupuncture
-
100%, up to the statutory of prevailing market rate in the country where you receive treatment, during a stay abroad for a maximum of 180 consecutive days per year.
Coverage summary
Please see our coverage summary for a comprehensive list of the coverage provided.
General rules and regulations and coverage
In order to save paper, we do not print the Health Basic and Health Premium general rules and regulations and coverage booklets. However, you can download the document.
Discount on your premium
Collective discount
The premium for Health Basic/Health Premium includes the 7% ONVZ Ledencollectief discount. If your employer has a collective ONVZ health-care plan, or if you are self-employed or have your own business, you may be able to benefit from an attractive discount.
Choosing your payment term
If you pay your premium quarterly, half-yearly or annually, you will receive a discount of 0.5%, 1% and 2% respectively.
Table of Premiums
Looking for an overview of your monthly premium? See our Table of premiums for Health Basic and Health Premium 2025.
