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'.

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.