Make sure that you are signed up for the Dutch Health Insurance!

22 Mar 2016 | Remko van der Zwart - LoonZorg

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Make sure that you are signed up for the Dutch Health Insurance!


Looking for an expat-friendly Dutch health insurance policy? Would you rather not pay the "own risk" costs in addition to your monthly premiums? LoonZorg offers a unique new health insurance policy, especially created for expats in the Netherlands, without the "own risk" costs.

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Compulsory health insurance

For almost everyone who is registered as living in The Netherlands it is compulsory to be insured for healthcare by a Dutch health insurer.

The content of this obligated basic health insurance or the standard package (Basisverzekering) is determined by the Dutch government. For example it contains (partly) coverage for medical care by the general practitioner (huisarts), maternity care and hospital care.

Besides the obligated standard package one is free to conclude a supplementary package (aanvullende verzekering) to cover expenses for care that is not covered in the standard obligated package. For example one can cover costs for physiotherapy or eye care by concluding a supplementary healthcare package.


Own risk in the Netherlands

Although the content or the coverage of the ‘Basisverzekering’ is exactly the same, the premium that the different health insurance companies charge for this insurance vary. However please be aware that the lowest premium possibly may also have other financial consequences.

In 2016, everyone must pay for the first 385,- euros of their healthcare expenses out of their own pocket, as this amount is not covered by the basic Dutch health insurance or basisverzekering. This deductible excess amount is known as your "own risk" or "eigen risico".

Besides this compulsory Own Risk one can lower the monthly premium by concluding the Basisverzekering with an extra voluntary Own Risk. This could mean that possibly even the first 885,- euro of care expenses have to be paid by the insured before having the possibility to claim or reimburse care expenses.

However, as an expat you can sign up for LoonZorg's new No Risk insurance policy which exempts you from paying the annual excess of 385 euros!

LoonZorg is specialized in health care packages for expats or labour migrants

As an intermediary LoonZorg offers the health insurances of HollandZorg and CZ. Hereto we provide people with information about the health care system and help them choosing the right package. The absolute most popular health insurance package that we offer is the No Risk Policy.


No Risk Policy

This new No Risk policy is only available to expats and has a monthly premium of 93,03 euros. The only two requirements for this special insurance policy are that you: have a foreign (non-Dutch) passport and that you are employed in the Netherlands. Expats who are newly arrived or currently settled in the Netherlands are both eligible for the policy.

Benefits of the No Risk policy:

In addition to what is already covered by the basic health insurance, LoonZorg's No Risk policy offers the following benefits:

-          10 percent discount on the basic health insurance monthly premiums

-          Coverage of emergency dental care to a value of 200,- euros per year

-          Coverage of repatriation to your home country within geographical Europe

-          Insurance can be ended with one day’s notice

-          Coverage of the compulsory and voluntary “Own Risk”


How does it work?

LoonZorg's special rates are based on the fact that the average healthcare consumption of expats is lower than that of Dutch citizens. Because of this, LoonZorg has been able to develop an agreement with a major healthcare provider to be able to offer this unique policy for expats. This health insurance package can be ended on a daily base and has a premium of 93,03 euro per month. Important to know is that HollandZorg does not offer a possibility to add extra supplementary insurances to this policy package. This No Risk policy is meant for people that work in The Netherlands and are staying in The Netherlands on a temporary base. It is not allowed to have a Dutch passport as well.

Sign up for "no own risk" insurance

To sign up for LoonZorg’s No Risk health insurance policy you can easily fill out the form on the website. You will need to provide a copy of your passport and an employer’s statement to prove that you are employed in the Netherlands. LoonZorg will contact you after receiving the registration form.


Standard health insurances plus extended coverages of HollandZorg

For expats that would like to take out extra additional health insurance it is also possible to take out standard health insurance via LoonZorg with a substantial discount. These offers do also apply for partners and/or children of employees. Although these health insurances are offered with a substantial discount please be aware of the fact that these policies do come with an Own Risk. The premium depends of course on the amount of the own risk and the supplementary insurance. You can find the packages at:

The discounts are 7% on the premium of the Basic Health Insurance and 7% on the premium of the additional (supplementary) insurances. When calculating the premium you will be given the opportunity to click on “Search for discount”.  If you fill in “LoonZorg” the discount will automatically be deducted from your calculated premium.


More information about HollandZorg you can find via:


Standard health insurances plus extended coverages of CZ

Especially for employers who would like the Dutch employees to benefit from discounts as well LoonZorg also offers the health insurances of CZ. In order to arrange these benefits the employer is of course very welcome to contact LoonZorg. We will take care of filling out the documents needed in order to arrange a contract with CZ. Furthermore the employer benefits from the possibility to refer the employees that have specific care questions to LoonZorg.



More questions about our services? Please visit the FAQ page or contact us via:



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