Compulsory excess for the basic Dutch health insurance

In the Netherlands, every insured over 18 has to pay a compulsory excess when they receive care that is reimbursed from their basic health insurance. In 2024, the compulsory excess is € 385. With a HollandZorg Flexpolis, you are exempt from having to pay any compulsory excess.

What is compulsory excess?

A compulsory excess is a fixed amount that you will have to pay for yourself before your insurer covers the remaining amount. For the basic Dutch health insurance, this fixed amount is set by the Dutch government each year. In 2024, the compulsory excess is € 385.

A HollandZorg benefit: your compulsory excess is covered

If you have a Flexpolis health insurance plan through your employer, HollandZorg covers your mandatory excess for you. This means you will not have to pay the first € 385 of health costs yourself. A great benefit, and one not many health insurance companies offer. It means you won't have to pay any unexpected costs when you need to visit a doctor.

Exceptions regarding compulsory excess

In 2024, there is no compulsory excess for:

  • the costs of obstetric and maternity care
  • the NIPT
  • the cost of general practitioner (GP) care. The compulsory excess does, however, include the costs of examinations following a GP visit that are performed by others and charged separately, such as laboratory and blood tests
  • the costs of registering with a GP 
  • the costs of other medical (GP) care
  • the costs of preventive foot care
  • the costs of integrated care (multidisciplinary primary care including GP care)
  • the costs of homecare (wijkverpleging
  • the costs of a combined lifestyle intervention
  • if you are an organ donor, the costs of care, accommodation and transport relating to the admission for the selection and removal of the transplant material, as described in the article on transplant care in our policy conditions.
  • the costs of medicinal care or aids designated by us and the costs of care provided to you by a care provider appointed by us in that regard. These are listed in the overview Designated care not subject to excess (in Dutch).  
  • the costs of care provided to you if you have followed a programme, designated by us, for diabetes, depression, cardiovascular diseases, COPD, obesity, dementia, thrombosis care, incontinence care or giving up smoking. In that case, the costs must relate to the disease for which you followed that programme. The programmes designated by us are listed in the overview Designated care not subject to excess (in Dutch). 
  • the costs of medical aids that are loaned to you, except the consumables or usage costs of these medical aids
  • the costs of a fall risk assessment. The compulsory excess does apply to the intake for a training programme to prevent falls and the training programme itself 

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

Voluntary excess

HollandZorg does not offer voluntary excess.

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 counts towards the compulsory 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.