Health insurance deductible: how it works

Everybody aged 18 or over has a compulsory deductible for healthcare provided under their general insurance policy. In 2024, 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 2024 is this €385. 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’, ‘Zorgvariatiepolis’ or ‘CZdirectpolis’ policies, you can choose a voluntary deductible of €100, €200, €136.85, €785 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
Premium discount per year
Zorg-op-maat and Zorgvariatie
Premium discount per year
€0  €0 € 0
€885 €15  €180

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 next year, please notify us before 1 February.

Important to know

You pay the deductible for healthcare costs that you incur under the general insurance. This includes care like:

  • healthcare in a hospital
  • laboratory tests
  • urgent medical care

If you'd like to see whether you need to pay a deductible, check our reimbursement guide.

You do not pay a deductible for healthcare costs like:

  • a visit to the general practitioner or after-hours general practice
  • healthcare for children under the age of 18
  • healthcare reimbursed under your additional insurance package
  • midwifery care and obstetric care
  • medical aids you have on loan
  • district nursing

See all the exceptions

You pay the deductible for a calendar year, meaning from 1 January to 31 December. You only pay a deductible for healthcare covered under the general insurance. If you have not incurred any healthcare costs (or hardly any), you also pay little or no deductible. Your deductible will be recalculated on 1 January of the following year.

If you pay your deductible in 10 advance instalments and do not use the full amount of the deductible by 31 December, the surplus amount will be repaid to you by no later than 1 April of the following year.

We send the invoice for the deductible once every three months, meaning you may need to wait a while before you receive it.

The year for which you are charged a deductible is determined by the start date of your treatment. If the first appointment for your treatment is in 2024, you will be charged the deductible for 2024.

Do you visit the hospital for treatment? The hospital groups together all your treatments in a sort of package, called the Diagnosis-Treatment-Combination, or DBC. The DBC will stop as soon as your treatment has finished, or it will stop after a certain number of days as stipulated by the NZa:

  • Most healthcare in hospital: 120 days
  • Surgery: 42 days
  • Mental healthcare: 365 days

If the treatment takes longer than that, a new (follow-up) DBC will start. If you had not yet paid all of your deductible or this new follow-up DBC is opened in a new year, you will be charged a deductible again. Your healthcare provider can tell you when a new DBC will be opened for you.

If you seldom incur medical costs and if you have saved enough to pay the full deductible in the event that you do need healthcare or medicine, you might consider paying a higher deductible, that’s to say a ‘voluntary deductible’.

It is not wise to increase your deductible if you often need medicine or if you need to visit the hospital regularly. We also do not recommend opting for a voluntary deductible if you have not put money aside for when something does go wrong.

Are you 18 years or older? Then you pay a part of your health costs from the general insurance yourself. This is called the compulsory deductible. Every year the Dutch government sets this amount. In 2024 this is €385. This means that the first €385 of your health costs you pay yourself. If you have more costs, we will pay these for you. Not if you have a voluntary deductible.

Do you want to save on your premium? You can choose for a voluntary extra deductible of €100, €200, €300, €400 or €500. This adds up to the compulsory deductible. The maximum deductible is €500.