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Basic health care insurance
Basic health care insurance is mandatory for anyone who is living and/or working in The Netherlands. Children under the age of 18 are insured for free via the insurance policy of their caretakers.
Anderzorg covers the costs of medical essential care, such as:
- Hospital care
- General practitioner
- Maternity care
- Obstetric care
- Medication
Your benefits at Anderzorg health insurance:
- Sharp monthly premium.
- Compose your own health care insurance package.
- High quality care in the Netherlands.
- Easy online access.
- No questions about your medical history
Mandatory and voluntary excess for your health insurance
When you receive medical care, you have to pay part of the costs yourself. For 2025, the Dutch government determined the amount of mandatory excess to be € 385. You can choose to add voluntary excess up to € 500 a year and receive a premium discount of maximum € 17,50 a month.
- Mandatory excess applies to everyone over 18.
- (Mandatory) excess is used before reimbursement from your basic insurance.
- The excess does not apply to gp-care, maternity care or medical care to children under 18.
- The excess does not apply to medical care from supplemental insurance.
Discover Anderzorg Flex: additional health insurance
Next to your basic health care insurance plan, you're free to choose an additonal package. In case of an accident in The Netherlands or abroad, you might face unexpected, high healthcare costs. With Anderzorg Flex physiotherapy and dental costs due to an accident are covered. The same applies to first aid in a foreign country.
Besides the coverage of these costs, Anderzorg Flex gives you access to the following healthy lifestyle apps:
- Headspace: relax after a hard day of work.
- Sworkit: stay fit with personalised workouts.
- Fabulous: learn to achieve your goals.
- FysioZelfCheck: selfcare for physical discomfort.
Additional health insurance
Compose your own supplemental that covers physiotherapy, dentistry or global healthcare coverage.
All our health insurance premiums:
Anderzorg Basis
- Adults (18 and over) with € 385 mandatory deductible: € 152,25
- Adults (18 and over) with voluntary deductible from: € 134,75
- Children (younger than 18): free
Anderzorg Extra*
- supplemental insurance: € 16,05
(Free for children 0 -17 insured with a parent with Anderzorg Extra)
Or compose your own supplemental health insurance:
- Physiotherapy: € 7,60
- Tand 75% € 250 (dental): € 13,10
- Tand 75% € 500 (dental): € 31,35
- Anderzorg Jong* (young people): € 18,50
- Anderzorg Tand* (dental) supplemental health insurance: € 20,90
*You can't choose these supplemental insurances anymore. In case you already had chosen Jong, Extra or Tand, you can keep them.
How you get the lowest fee for your health insurance:
Choose Anderzorg Basis and do not add supplemental insurance options. Then opt for the voluntary € 500 euro excess and pay your premium annually.
Be aware: your medical costs can reach a maximum of € 885 (the mandatory and voluntary excess). Make sure you are able to pay this all at once, if necessary. You can also choose a lower voluntary excess. See the effect on your premium below:
- Deductible above the mandatory € 385
€ 0
- Monthly discount
-
- Monthly Premium Basis
€ 152,25
- Deductible above the mandatory € 385
€ 100
- Monthly discount
€ 3,50
- Monthly Premium Basis
€ 148,75
- Deductible above the mandatory € 385
€ 200
- Monthly discount
€ 7
- Monthly Premium Basis
€ 145,25
- Deductible above the mandatory € 385
€ 300
- Monthly discount
€ 10,50
- Monthly Premium Basis
€ 141,75
- Deductible above the mandatory € 385
€ 400
- Monthly discount
€ 14
- Monthly Premium Basis
€ 138,25
- Deductible above the mandatory € 385
€ 500
- Monthly discount
€ 17,50
- Monthly Premium Basis
€ 134,75
Payment discount
If you pay your premium annually you will receive an extra discount.
Payment period Discount
Annually 1%
Switching to Anderzorg health insurance
Would you like to switch to an Anderzorg health insurance? You can do it easily and quickly online.
- You can switch once a year. This can be done from 12 November to 31 December.
- Choose a health insurance that suits you and calculate your premium without obligation.
- Directly take out your health insurance online. We will cancel your old health insurance for you.
- You always have a 14-day cooling-off period.
Questions or advice about your health insurance?
We are happy to help. You can contact our customer service at 088 - 222 44 22.
- Mon - Fri: 8:00 AM to 6:00 PM
- Sat - Sun: Closed
Frequently asked questions about health insurance at Anderzorg
What is health insurance?
Why do I need healthcare insurance in the Netherlands?
What does Anderzorg health insurance cover?
How much does healthcare insurance cost at Anderzorg?
How do I sign up for Dutch health insurance with Anderzorg?
Can I change my healthcare insurance plan?
Are there any additional benefits with Anderzorg health insurance
How can I cancel my health insurance with Anderzorg
I live abroad but work in The Netherlands. Do I have to apply for Dutch Basic health insurance?
8 on Zorgkiezer
Our customers give us a score of 8 on Zorgkiezer.
4.2 App rating
Our app is positively rated in the App Store.
Extra benefits!
As a customer, you get access to online care.