Health insurance deductible: how it works

Everybody aged 18 or over has a compulsory deductible for healthcare provided under their general insurance policy. In 2023, you pay the first €385 for the costs of healthcare yourself and we reimburse the costs above this amount.

What is the deductible?

Compulsory deductible

If you are aged 18 or older, you pay a deductible for the first part of healthcare you receive under the general insurance. This is the compulsory deductible.

The amount of the compulsory deductible is set each year by the Dutch government. In 2022, this was €385 and this will remain the same in 2023. The deductible applies to one calendar year (1 January to 31 December). You pay this amount in addition to your premium. Once you have paid the full amount of your compulsory deductible, we will reimburse any costs subsequently incurred.

Voluntary deductible

Besides the €385 compulsory deductible, you can opt to add a voluntary deductible. This could be a good option if you do not need healthcare very often, as you can save on the premium this way. Do bear in mind, however, that when you do require healthcare you will be required to pay more of the costs for this out of your own pocket. If you want to change your voluntary deductible, please let us know on ‘Mijn CZ’ before 1 January.

How much you can add to your deductible as a voluntary deductible depends on the kind of general insurance policy you have taken out.

  • With the ‘Zorg-op-maatpolis’, ‘Zorgkeuzepolis’ or ‘CZdirectpolis’ policies, you can choose a voluntary deductible of €100, €200, €300, €400 or €500.
  • If you have the ‘Zorgbewustpolis’, you can only choose a voluntary deductible of €500.

Discount on your premium

The higher your deductible, the greater your discount.

Amount of deductible Premium discount per year: CZ
Premium discount per year: CZdirect
 € 385 €0
€0
 € 485 €36
€48
 € 585 €72
€96
 € 685 €108
€144
 € 785 €144
€192
 € 885 €210
€240

Types of healthcare to which the deductible applies

You pay a deductible for healthcare covered under the general insurance, like hospital care, blood tests and medicine for example. If you’d like to see whether you need to pay a deductible, check our reimbursement guide.

Healthcare that is exempt from the deductible

You do not have to pay a deductible for things like GP visits, obstetric care and healthcare covered under the additional insurance package. See all the exceptions

Do I have to pay the deductible all at once?

You can opt to pay the compulsory deductible in instalments so that you don’t have to pay the entire €385 in one go. Your deductible will then be split up into 10 monthly payments of €38.50. If you do not ‘use up’ all of your deductible, we will reimburse you for the excess amount you paid. If you want to pay the deductible in instalments in 2023, please notify us before 1 February 2023.

Important to know

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