Compare your health insurance, save on your premium and choose the right insurance for your situation.
From November 13 to December 31, 2025, it is possible to compare and switch health insurances for 2026.
What do you pay attention to when comparing?
When comparing your health insurance, it is smart to take a good look at the different coverages of health insurers, what the policy conditions state and whether the health insurance still meets your health needs.
That is why we have made sure that you can see in our comparator per health insurer how much free care choice you have, what additional packages they offer and what is or is not covered by health insurance.
In addition, switching health insurers is completely free and your current health insurance will be canceled automatically.
December 31, 2025: is the last day that you can still switch from health insurance without canceling your old health insurance.
January 31, 2026: is the last day that you can take out a new health insurance. If you choose this, you will have to cancel your current health insurance no later than December 31.
1. Open the comparator and enter your details and coverage requirements
2. Compare and choose the best offer
3. Apply for your health insurance
4. We'll arrange the switch
Do you want to switch? Then cancel your old insurance no later than December 31, 2025. Then you can take out health insurance until February 1 of the new year. Your new health insurance will take effect on 1 January 2026.
You can choose health insurance online and calculate your premium as soon as the new premiums are known (mid-November). The new insurance will then take effect on 1 January.
Health insurance is insurance that covers the costs of medical care. In the Netherlands, it is legally required to take out basic health insurance. Health insurance ensures that you do not have to pay all the costs of medical treatments yourself. Most of the care in the basic package does have a deductible. There are various types of health insurances and supplementary insurances that offer extra coverage on top of the basic insurance.
Basic insurance is mandatory if you live or work in the Netherlands. Also for kids. Additional modules are also available, which are not mandatory.
Your health insurance is renewed every year. If you do nothing, you will therefore remain insured with your current health insurer. Has something changed in your health or do you know in advance that your care needs will change? Then it is wise to adjust your health insurance accordingly.
1. Open the comparator
2. Fill in your details
3. Compare offers
3. Choose an effective date and close immediately
Will you take out your new health insurance through us before 1 January? Then we will also cancel the old health insurance for you.
Did you cancel your old health insurance before 1 January 2026? Then you can choose a new health insurance until January 31, 2026. Do you want a package that fits your life well? Then think about your personal situation and how it might change in 2026. If you're going to exercise more, consider extra physical therapy in the package. If your vision is reduced, reimbursement for glasses or lenses can be nice. Or discover our comprehensive packages for young people, families or people over 50. It contains everything you need. No matter what happens, we'll always have additional insurance that's right for you. And you can't figure it out yourself? Then we are happy to help you.
The deductible and the personal contribution are similar. Both are costs that you pay yourself, but they are not the same. The deductible is the amount that you first pay yourself before you receive reimbursement for your care. In 2026, the mandatory deductible is €385 per year. With the personal contribution, you pay part of the costs yourself for some care. The government determines the amount and types of care of the personal contribution.
Yes, you can! If you prefer not to pay the deductible all at once, you can pay this amount in installments. You will then pay €38.50 10 times per month. And are you not paying your deductible? Then you will get back the overpaid amount. You can easily arrange instalments via your health insurer's portal.
You can choose health insurance online and calculate your premium as soon as the new premiums are known (mid-November). The new insurance will then take effect on 1 January. Do you want to switch to another insurer? Then cancel your old insurance no later than December 31 of the current year. Then you can take out health insurance with us until January 31 of the new year. Your new health insurance will then take effect on 1 January of the new year. We will arrange cancellation for you if you apply for our health insurance before 1 January of the new year. If you apply for our health insurance between 1 January and 1 February, you must arrange your cancellation yourself.
Log in to your health insurer's portal. And view your personal benefits on the reimbursements page.
You prefer to receive care from a healthcare provider that suits you. Insurers make agreements with healthcare providers, so the hospital near you may not have a contract with your insurer. You can check this in the comparator.
Contact our office. We are happy to help you get the situation under control, for example, we can make payment agreements with your health insurer.
When you pick up or receive your medication, you pay for the pharmacy's service. You cannot refuse these service charges. They are added to the total price of your medicines. Do you receive reimbursement for your medicines? Then the medicines and pharmacy costs will be covered by your basic insurance.
In the following cases, you pay the deductible:
- If your medicine is not on the list of preferred medicines
- For pharmacy services (handling costs)
- When reimbursing your medicines from the basic insurance
- Costs for the counseling interview for new medicines
- If you are 18 or older
You can submit your claim via your health insurer's portal. In most cases, this can also be done by post if you prefer.
