Changes healthcare insurance 2021

Basic healthcare insurance is obligatory for every Dutch citizen and covers the main, basic medical care. Every year the Dutch government changes the coverage of basic healthcare insurance. These changes are made public on ‘Prinsjesdag’ or Little Prince Day, on which the Dutch king gives the ’troonrede’, an official throne speech revealing the future government policies for the coming year. The most important modifications for the basic healthcare insurance, which will apply to all healthcare insurances in 2021, are described in this article.

Because the policies change every year, it can be useful to compare different insurances before you take out a specific one. On this page, you will find the most important changes in health care insurance.

Dutch health insurance: most important changes in 2021

In 2021 different aspects of the basic healthcare insurance will change. The most important changes are:

  • Premiums will increase with an average of €5,- a month;
  • Healthcare allowance or ‘healthcare benefit’ will go up with €44,- a year;
  • The deductible excess in 2021 will not change. It continues to be €385,-;
  • Coverage of the basic healthcare insurance will be further expanded, including coverage for additional healthcare regarding recovery of COVID-19.

Healthcare allowance 2021

In 2021 the healthcare allowance or ‘healthcare benefit’ will increase by €44,- (singles) or €99,- (families) a year. The amount of healthcare allowance is exactly calculated for your situation by the Dutch tax authority. Factors as your income and capital affect the amount of healthcare allowance you can receive. People with higher incomes will consequently receive less healthcare allowance in 2021. You can calculate your healthcare allowance using our healthcare allowance calculator.

Premiums healthcare insurance 2021

The healthcare insurance premiums will increase in 2021 with an average of €60,- a year. How much you’ll exactly pay for your insurance depends on the insurance that you choose. Health insurance companies can determine their own premiums. All the insurance companies will announce their premiums in mid-November.

Changes in the basic healthcare coverage 2021

The most important changes in the basic healthcare insurance for students will be explained below. Not all changes are mentioned, for these changes affect only elder people. Those changes are not considered relevant for young students.

  • Additional healthcare coverage for long-term complaints as a result of the coronavirus. This includes physiotherapy, occupational therapy and dietary advice;
  • New medication will be added for cancer treatment;
  • Waiver of deductible excess for victims of sexual violence (in case this is reported to a Sexual Violence Center within a week);
  • Waiver of deductible excess for medical costs organ donors make;
  • In case of a (mental) disability, congenital brain injury or chronic, degenerative, progressive condition transport to an outpatient clinic will be covered.

Deductible excess 2021

The deductible excess is the amount of healthcare costs that need to be paid once by yourself (except for visits to your GP). For more information you can visit our page on deductible excess. In 2021 the deductible excess will remain the same: €385,-. You can also increase your deductible excess voluntarily in 2021: you can choose to increase your deductible excess with a maximum of €500,-. The total amount of deductible excess in 2021 (including the voluntary deductible excess) is €885,-.

Collective insurances 2021

Since 2020 collective insurances can only offer a maximum of 5% discount on the Dutch basic health insurance. Discounts in the past could be as high as 10%. Insurance companies will now use this money to equally reduce premiums for all clients, not just the collective. The Dutch government announced that by 2023 collective insurances can not be offered by insurance companies anymore.

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