Health insurance comparison Netherlands 2026
Real premiums with eigen risico choices and add-ons
8 insurers compared
From €142,40/mo base
Eigen risico €385-€885
Higher = lower monthly premium
Zorgtoeslag up to €129/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.
8 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.
Nationale-Nederlanden
2nd cheapest naturapolis€142,45/mo
Eigen risico: €385
Major Dutch financial brand (NN Group). Zorg division uses CZ-group back-end infrastructure. €142.45/mo for Zorg Voordelig (naturapolis) puts NN as the second-cheapest naturapolis after VinkVink. NN offers three eigen risico tiers (€385, €585, €885) — €585 saves €2/mo and €885 saves €5/mo. SkinVision skin-check app and 'Vraag de dokter' telehealth included as standard. Meegroeiservice lets you add aanvullend cover mid-year, not just in December.
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.
Zilveren Kruis
Widest network€153,95/mo
Eigen risico: €385
The largest health insurer in the Netherlands (Achmea group), so its contracted network is the widest and you are least likely to find your hospital out of contract. Highest base premium here, but the steepest eigen risico discount: €3/mo for every €100 you add, reaching €138,95 at €885. Basis Exclusief (€176,45) is a genuine combinatiepolis if you want free provider choice.
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