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Freedom of choice

  • Limited choice policy: The health insurer has contracts with a limited number of hospitals in The Netherlands. As a result, you cannot go everywhere (hier zeggen: you cannot go to every health care provider) for planned care. In case of emergency care, these restrictions do not apply!

  • Limited choice policy: The health insurer has a contract for planned care with all 278 hospitals in The Netherlands.

  • 100% freedom of choice: The health insurer has contracts with all 278 hospitals and all healthcare providers in The Netherlands. Also with physiotherapists and specialists.
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Deductible excess

  • Obligatory excess €385,-: You always have to pay all healthcare costs up to and including € 385 (per year) yourself. Often chosen by people with high healthcare costs.

  • Max. voluntary excess €885,-: The compulsory excess increased by € 500.00. This gives you a lower health insurance premium, but you have to pay all health care costs up to and including 885 (per year) yourself. Often chosen by people who barely have healthcare costs.
  • Exceptions to the deductible include a visit to a general practitioner, care within your supplementary insurance, maternity care, flu shot and population screening.

Top 5 Student Health Insurance (2021 update)

1Besured Basisverzekering

Logo Besured

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 80% coverage outside the insurer’s network

114,85 p/m

View plan

1CZdirect Basisverzekering

Logo CZdirect

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 65% coverage outside the insurer’s network

116,95 p/m

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1De Friesland Zelf Bewust Polis

Logo De Friesland

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

113,00 p/m

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1Ditzo Goede keuze

Logo Ditzo

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

109,85 p/m

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1Ditzo Vrije keuze

Logo Ditzo

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

119,95 p/m

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1FBTO Restitutiepolis

Logo FBTO

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

128,50 p/m

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1FBTO Naturapolis

Logo FBTO

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

122,50 p/m

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1HEMA Basispolis

Logo HEMA

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

119,00 p/m

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1Just Basis

Logo Just

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 65% coverage outside the insurer’s network

111,70 p/m

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1Nationale Nederlandenden Restitutiepolis

Logo Nationale Nederlandenden

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

129,44 p/m

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1OHRA Zorgverzekering

Logo OHRA

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

126,75 p/m

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1ONVZ Vrije Keuze Basis

Logo ONVZ

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

134,50 p/m

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1ProLife Principe Polis Budget

Logo ProLife

tick Limited choice policy

  • 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

120,95 p/m

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1ProLife Principe Polis

Logo ProLife

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

128,45 p/m

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1Promovendum Studentenzorgverzekering

Logo Promovendum

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 80% coverage outside the insurer’s network

118,25 p/m

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1ZieZo Selectiefpolis

Logo ZieZo

tick Limited choice policy

  • 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

109,25 p/m

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1ZieZo Basis

Logo ZieZo

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

112,25 p/m

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1Zilveren Kruis Basis Budget

Logo Zilveren Kruis

tick Limited choice policy

  • 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

120,95 p/m

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1Zilveren Kruis Basis Zeker

Logo Zilveren Kruis

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

128,45 p/m

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1Zilveren Kruis Exclusief

Logo Zilveren Kruis

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

139,95 p/m

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1Zilveren Kruis Studenten Collectief

Logo Zilveren Kruis

tick Limited choice policy

  • 150 out of 278 hospitals
  • 75% coverage outside the insurer’s network

114,90 p/m

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1Zilveren Kruis Studenten Collectief Zeker

Logo Zilveren Kruis

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

122,03 p/m

View plan

1Zilveren Kruis Studenten Collectief Exclusief

Logo Zilveren Kruis

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

139,95 p/m

View plan

1Zorg en Zekerheid Zorg Gemak Polis

Logo Zorg en Zekerheid

tick Broad range of health choice

  • 278 out of 278 hospitals
  • 75% coverage outside the insurer’s network

121,15 p/m

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1ZorgDirect Basispolis

Logo ZorgDirect

tick 100% Free choice

  • 278 out of 278 hospitals
  • 100% coverage outside the insurer’s network

133,00 p/m

View plan

In the Netherlands, insurance companies handle obligatory excess for their basic insurance. The deductible excess determines the one-off sum of specific health care cost that have to be paid by yourself for that year. In 2020 the obligatory deductible excess is €385,-. Not all costs are submitted to the obligatory deductible excess: for example basic care like the family doctor can be visited at all times receiving full coverage without paying deductible excess. Once the sum of deductible excess is paid, all health care is hence fully covered.

Voluntary deductible excess

The obligatory deductible excess changes almost every year. The insurance premium that you pay for a basic healthcare insurance depends on the voluntary excess you’ve chosen. The higher the voluntary excess, the lower the premium for a basic healthcare insurance. You are able to increase your deductible excess with a maximum of €500,-. This will result in a lower premium and a deductible excess of €385,- (obligatory) + €500,- (voluntary) €885,-. Be aware that this means that the healthcare insurance will cover less of your expenses if you do need (expensive) treatment. A basic healthcare insurance does not cover all medical treatments and medicines. On top of a basic healthcare insurance it is possible to take a supplementary insurance with more coverage specifically for students. Good luck choosing your healthcare insurance!

Freedom of choice

The health insurance companies in the Netherlands often offer a variety of basic health insurances. Although the coverage of all basic packages is exactly the same, the freedom of choice concerning caregivers, like hospitals, can differ. A distinction can be made between the following insurance policies:

  • Restitution policy: 100% freedom of choice. This policy requires that you pay the health care cost in advance. Afterwards you receive full coverage en refund of your health care insurance.
  • Natura policy: this policy offers more limited freedom of choice between caregivers. Only caregivers that have a contract with your health care insurance are fully covered: in some cases the freedom of choice can be high due to the extensive amount of contracts. Bills from caregivers are directly send to your health insurance company, no need to pay in advance.
  • Budget policy: the budget policy limits your freedom of choice. This results in a lower premium for your basic insurance, however less freedom of choice. The budget polis also doesn’t require payment of health care costs in advance.

Urgent medical care

In case of emergency, limited freedom of choice does not apply. You will be brought to the nearest hospital for immediate care. The freedom of choice concerns planned and non-urgent health care.