Excess public healthcare insurance

Costs for care under the public healthcare insurance

Are you obliged to take out health insurance in the Netherlands? In the Netherlands, every insured of 18 or older has a compulsory excess for medical care that is covered by the public healthcare insurance. 

Healthcare insurance through employer?

Have you taken out Flexpolis healthcare insurance through your employer? They will arrange for your health insurance to start and end and they will take out special supplementary insurance to cover your compulsory excess. Your compulsory excess is covered by No Risk I.
The HollandZorg Flexpolis can only be taken out if your employer has made arrangements with us.

Compulsory excess in 2021

Each year, the Dutch government determines the extent of the compulsory excess. In 2021, the compulsory excess is €385,-. The compulsory excess applies to every insured aged 18 or over. Our schedule of public healthcare insurance reimbursements explains which type of healthcare is subject to the compulsory excess.

Exceptions regarding compulsory excess

The compulsory excess does not apply to all healthcare from the basic package of the public healthcare insurance. In 2021, there is no compulsory excess for:

  • Visits to your GP
  • Medical aids given on loan
  • Follow-up checks of a donor following organ donation
  • Obstetric care
  • Maternity care
  • Integrated care
  • Home nursing and care

For more information about the compulsory excess, please view our online healthcare reimbursement schedule or read our insurance conditions.

Voluntary excess, if you arrange your own healthcare insurance

In addition to the compulsory excess, HollandZorg also offers a voluntary excess,if you arrange your own healthcare insurance. In exchange for a voluntary excess, you are given a discount on your public healthcare insurance premium.

Voluntary excess

per calendar year

Monthly premium Monthly discount
none € 108,00 none
€ 100,- € 105,00 € 3,-
€ 200,- € 102,00 € 6,-
€ 300,- €  99,00 € 9,-
€ 400,- €  96,00 € 12,-
€ 500,- €  93,00 € 15,-


You can adjust the extent of your voluntary excess on an annual basis as of 1 January of the following year.

Payment of excess

When you receive an invoice from your care provider and submit it to us, we will deduct your excess from our payment. If the healthcare you use is subject to a personal contribution, you first pay that contribution. The remaining sum first counts towards the compulsory excess and then towards any voluntary excess. The remainder is reimbursed.

If your care provider sends the invoice directly to us, we will send you a letter with a cost overview and the sum you need to pay, if applicable.

If you have any questions about the excess, send us your question by means of our online contact form, or call Customer Services on +31 (0)570 687 123. We will be pleased to answer your queries.