Changes in Your Health Insurance in 2024

October 27, 2023 foto.png

On Prinsjesdag or ‘’Prince’s Day’’, the Dutch government announces its plans for the upcoming year. This means that there will be changes in the premiums of your health insurance. It is essential to stay well-informed about the alterations in the basic insurance, healthcare allowance, and health insurance premium. In this blog, we will guide you through the forthcoming changes, ensuring you are well-prepared for the new year.


Basic Insurance: For 2024, the government has introduced the following changes in basic insurance:

  • Fall Prevention:

Elderly individuals who meet the criteria can enroll in a specialized training program aimed at preventing falls.


  • Extended Maternity Care:

Currently, maternity care is covered by the basic insurance for a maximum of 10 days from the day of childbirth. This period is extended to a maximum of 6 weeks from the day of childbirth, allowing for more flexible use of maternity care hours.


  • Paramedical Rehabilitation for Long Covid:

The coverage of paramedical rehabilitation for Long Covid patients is extended until the 1st of January , 2025. This rehabilitation may include physiotherapy, exercise therapy, occupational therapy, dietetics, and speech therapy.


Healthcare Allowance:

Healthcare allowance is designed to assist individuals with lower incomes in paying for their health insurance. In 2024, the healthcare allowance is reduced to a maximum of €127 per month. It's always essential to check if you are eligible for healthcare allowance. The amount of the allowance you receive depends on your income and other personal circumstances.


Health Insurance Premium:

The health insurance premium will increase by an average of €12. Ultimately, health insurance companies have the discretion to set their premiums. The exact premium amounts are not yet known, and insurers will announce the new premiums by the 12th of November.


What Will Not Change in 2024?

Own Risk:

Every year, the government sets the mandatory own risk. In 2024, there will be no changes to the own risk, which remains at €385, just like this year. This means that you must pay the first €385 in healthcare costs from the basic insurance out of your own pocket.