Health insurance comparison Netherlands 2026
Real premiums with eigen risico choices and add-ons
6 insurers compared
From €142,40/mo base
Eigen risico €385-€885
Higher = lower monthly premium
Zorgtoeslag up to €131/mo
If your income qualifies
Key fact for expats
All Dutch basic health insurance covers the same by law. The only real differences are price, service, and available add-ons. Check our full health insurance guide or the detailed comparison guide for more context.
Premiums sourced from official insurer pages and zorgwijzer.nl / zorgverzekerinq.nl (2026). Aanvullend costs are entry-level packages. Always verify on the insurer's website before signing up. Affiliate links. No extra cost to you.
6 insurers
Sorted by total (lowest first)
VinkVink
Cheapest 2026€142,40/mo
Eigen risico: €385
Cheapest basic premium in the Netherlands. VinkVink is a Menzis subsidiary, so you get Menzis network quality at the lowest price. Customer service is chat-based only (no phone). Note: physio add-on not available standalone.
Univé
€147,40/mo
Eigen risico: €385
Member-owned cooperative (profits back to members). Strong value at higher eigen risico levels: saves €22/mo at €885. Good entry-level aanvullend pricing. Phone support available.
UnitedConsumers
€147,40/mo
Eigen risico: €385
Bundles health insurance with energy and gas. Identical premium and eigen risico savings to Univé. ZorgZeker 1 add-on (€4,50/mo) bundles physio and buitenland together, making it good value for expats who travel.
FBTO
€148,75/mo
Eigen risico: €385
Part of Achmea group (largest Dutch insurer). Note: FBTO only offers two voluntary eigen risico tiers (+€200 and +€500) - the +€100 and +€300 options are not available. Lowest abroad add-on in comparison at €1,75/mo.
ASR
€149,80/mo
Eigen risico: €385
One of the largest Dutch insurers, also offering car, home, and travel insurance. Good for bundling all insurances. Lowest abroad add-on alongside FBTO at €1,50/mo.
Menzis
€151,25/mo
Eigen risico: €385
Menzis only gives a discount at the maximum €885 eigen risico (saving €17,50/mo). Intermediate tiers give no discount at all - you pay €151,25 at €485, €585 and €685. Dutch-only phone support. VinkVink is their budget brand.
Understanding eigen risico and add-ons
The eigen risico is the amount you pay yourself each year before your insurance starts covering costs. The mandatory minimum is €385 (the same at every insurer). You can voluntarily increase it to save on your monthly premium, but you pay more out-of-pocket if you do need care. The discount varies significantly: Univé and UnitedConsumers save €22/mo at €885, VinkVink only saves €5/mo, and Menzis gives no discount at intermediate tiers (only at €885).
Dental (basic) covers
- 1-2 check-ups per year
- Basic cleaning
- Simple fillings and small repairs
- Not covered: crowns, implants, orthodontics
Physio add-on covers
- Basic includes 3 sessions (chronic only)
- Add-on: 6-12 extra sessions per year
- Good for sports injuries, back pain
- Not needed if you rarely see a physio
Worldwide/abroad covers
- Emergency treatment anywhere in the world
- Hospital stays and repatriation if needed
- Essential for expats visiting family abroad
- From €1,50/mo (ASR) to €2,95/mo (Univé)
- One of the cheapest add-ons with the most value
Health insurance guide
Basisverzekering, eigen risico, zorgtoeslag explained
Detailed comparison guide
Full breakdown with zorgtoeslag eligibility table
BSN registration guide
You need a BSN to sign up for Dutch health insurance
Moving to Netherlands guide
Complete checklist including health insurance setup