In the Netherlands, basic health insurance is mandatory for everyone aged 18 and older. But what does this insurance actually cover and just as importantly, what doesn't it cover? In this blog, we explain what’s generally included in the basic health insurance package and why it’s essential to read your policy carefully.
What’s typically included in the basic package?
Each year, the Dutch government determines the minimum coverage that must be included in all basic health insurance packages. While this means the core coverage is similar across insurers, the exact reimbursements, contracted healthcare providers, and policy terms can vary per insurer.
In general, basic health insurance covers:
- General practitioner (GP) care – Always fully covered and not subject to the deductible.
- Hospital care and specialists – Including consultations, surgeries, and inpatient stays.
- Prescription medications – Only those listed on the government-approved medication list.
- Mental healthcare (GGZ) – Short- and long-term psychological care.
- Maternity care and midwifery services
- Limited physical therapy for chronic conditions
- Emergency care abroad – Reimbursed up to Dutch rates.
- Speech therapy, occupational therapy, and dietary advice - With certain limits.
What’s not covered?
Not all healthcare services are included in the basic package. Many people assume dental care or vision correction is reimbursed, but that’s not the case.
Basic insurance typically does not cover:
- Dental care for adults
- Eyeglasses, contact lenses, or laser eye surgery
- Alternative treatments – Like acupuncture or homeopathy
- Travel vaccinations
- Physical therapy for non-chronic conditions
These types of care may be included in supplementary insurance packages, which vary widely between insurers.
Every Policy Is Different
Even though the government sets the core of the basic package, insurers can differ in how they apply the coverage. For example:
- Which care providers are reimbursed?
- Are there waiting periods or referrals required?
- Are there limits or co-payments for specific treatments?
That’s why it’s crucial to read your policy thoroughly. What’s covered with one insurer may not be fully reimbursed by another.
Don’t Forget the Deductible
Most care under the basic plan is subject to the mandatory deductible, which in 2025 is €385. This means you pay the first €385 in eligible healthcare costs yourself, excluding GP visits and maternity care, which are exempt.
