Health insurance 2025: what does the outline agreement say?

In 2025, there will be some significant changes in health insurances in the Netherlands based on the new government's outline agreement, consisting of PVV, VVD, NSC and BBB. Here are the key points:

Adjusting the deductible

From 2025, the deductible for specialist medical care will be limited to a maximum of €150 per treatment. This is a significant reduction compared to the current situation, where you can pay a maximum of €385 at once. This change means that around 1 million health insured persons per year will pay an average of €100 less deductible (national government).

Prevention and control of health care expenditures

The agreement places a strong emphasis on prevention and the control of health care expenditures. This includes measures to keep healthcare affordable and to improve the quality of care. Attention will also be paid to reducing health inequalities and increasing professional autonomy and development opportunities for healthcare providers (Medical Federation).

Better access and quality of care

There will be initiatives to increase the quality of care and to tackle aggression and fraud. In addition, we are looking at improving care in the last phase of life, elderly and primary care, and creating a secure, decentralized electronic health record (Doctors Federation).

Lowering financial thresholds

By adjusting the deductible, the financial barriers for access to hospital care will be lower. This should ensure that people are less likely to forego necessary care due to costs (national government).

These changes are intended to make healthcare more accessible and affordable for everyone, with a special focus on the chronically ill and people with high healthcare costs. For further details, you can consult the full outline agreement on the website of the cabinet formation (Cabinet Formation).