Health insurance companies in the Netherlands are set to raise premiums next year, increasing the cost of the basic package in 2027. The change affects the standard policy that all residents are required to hold, though the exact increase varies by insurer and policy. Insurers typically announce their individual premiums in the autumn, ahead of the annual switch period in December.
For most people, the practical effect is a higher monthly payment for the same basic coverage. The basic package covers essential care such as GP visits, hospital treatment and medication, and it remains mandatory for anyone living or working in the Netherlands. How much extra you pay will depend on your insurer and whether you choose a policy with a higher or lower own-risk excess.
What this means if you are learning Dutch or new in the Netherlands
If you have recently arrived, check your policy documents carefully when the new premiums are published. The annual switch window in December is the moment to compare basic packages and consider whether a different insurer or excess level suits your budget. Useful terms to recognise include zorgverzekering (health insurance), premie (premium) and eigen risico (own-risk excess). If you are unsure about your options, your insurer or the Dutch healthcare information line can explain them, and many provide English-language support.