The deductible is the amount you must pay yourself before your health insurance covers costs. For 2024, the mandatory deductible has been set at €385 per year.
What does the deductible entail?
The deductible is the portion of healthcare costs that you pay yourself before your insurance pays out. This applies exclusively to care covered by the basic insurance.
Mandatory and voluntary deductible
| Type | Amount 2024 | Explanation |
|---|---|---|
| Mandatory deductible | €385 | For everyone aged 18 and older |
| Voluntary deductible | €0 - €500 extra | Option for premium reduction |
| Maximum deductible | €885 | Mandatory (€385) + voluntary (€500) |
Which care is exempt from the deductible?
You do not pay a deductible for the following care:
- Visits and consultations with the general practitioner
- General practitioner care outside office hours (evening, night, weekend)
- Midwifery assistance and maternity care
- Check-ups after organ donation
- Influenza vaccination for risk groups
Deductible for minors
No deductible applies to children under 18 years of age. They are covered free of charge on a parent's policy.
Option for higher voluntary deductible
You can choose to increase your deductible in increments of €100 up to €500. This results in a lower monthly premium, which can be advantageous if you need little care.
Frequently asked questions about the deductible
Is the deductible recalculated every year?
Yes, the deductible restarts every year on January 1. Your used amount is then reset to €0.
Do I have to pay the deductible for a general practitioner visit?
No, general practitioner care is exempt from the deductible. However, if the general practitioner refers you to a specialist, those costs are subject to the deductible.
Is installment payment of the deductible possible?
Yes, many insurers offer the option to pay the deductible in monthly installments. Contact your insurer for the options.
Legal assistance in Rijswijk
Do you have questions or problems with your health insurance or deductible? The Juridisch Loket Rijswijk can help you with advice. Additionally, Rijswijk falls under the District Court of The Hague for any legal disputes regarding health insurance.
Practical questions about the deductible
What if I cannot pay my deductible immediately?
No worries, your health insurer pays the costs immediately, even if you have not yet paid the deductible (€385 in 2024). You repay this amount later, often in installments. Check the conditions with your insurer.
Can I change my voluntary deductible annually?
Yes, you can adjust your voluntary deductible (€0–€500) each year when selecting or changing your policy. A higher deductible means a lower premium, but be cautious if you expect to need a lot of care.
Does physiotherapy fall under the deductible, even with a referral?
Yes, physiotherapy is subject to the deductible, regardless of a referral from the general practitioner. Only direct general practitioner care is exempt. Note that the total deductible does not exceed €385 (or more with voluntary increase).