Mandatory excess for standard Dutch health insurance

Costs for care under the public healthcare insurance

What is mandatory excess?

In the Netherlands, every insured over 18 has to pay part of the medical costs they make themselves. This is called the 'mandatory excess. The amount is set by the Dutch government each year. In 2023, the amount is € 385,-. 

If you have a Flexpolis health insurance plan through your employer, your mandatory excess is covered. This means you won't find yourself having to pay any unexpected costs after visiting a doctor.  

Exceptions regarding mandatory excess

The compulsory excess does not apply to any healthcare covered by the standard health insurance. In 2023, 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 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.