Changes healthcare insurance 2025
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 2025, 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.
Every third Tuesday of September is ‘Prinsjesdag’ (Prince’s day, also known as budget day) in The Netherlands. This is an annual tradition which involves the king reading a speech. Among other things, this speech states what changes in the economic and financial field can be expected in the coming year. Additionally, the king will announce what changes will take place in the healthcare domain. You might wonder what changes you can expect as a student, with regard to healthcare and health insurance. You will find everything you need to know regarding these topics on this page.
The government has announced that healthcare premiums for 2025 will go up again. The primary insurance premium will go up by about €10,- per month. This will bring the total cost of health insurance per month to approximately €158,50,-. The reason being that healthcare costs are becoming more expensive in The Netherlands, as the prices and wages are rising. Inflation and higher demand for care also contribute to the premium increase. Although these are the expected premium amounts, health insurers will set the final premium no later than November (2024).
Healthcare allowance
The healthcare allowance will increase slightly. By implementing healthcare allowance, the Dutch government helps relatively low-income groups, such as students, meet the cost of the healthcare premium. Whether you are entitled to a care allowance, and the amount of it, depends on your income. The monthly amount of allowance you receive is meant to ensure healthcare is affordable and accessible for everyone.The healthcare allowance will increase to €131,- per month.
Deductible excess
In 2025, the deductible excess will remain the same. This coming year, the deductible excess will therefore be €385,-. The deductible excess is compulsory, which is the amount of money you will have to pay yourself when you use a form of care covered by primary healthcare insurance. You can opt to increase the deductible, however, to reduce the cost of the premium.
Collective discount will be abolished
As of 2023, the collective discount on compulsory healthcare insurance will disappear. Earlier, groups, like students, for instance, could get a 5% discount on their healthcare insurance. In 2025, insurers will still not be allowed to grant this group discount.
Changes to the primary healthcare insurance in 2025
The content of the primary healthcare insurance will largely remain the same. There will be some minor changes:
- To start, for people with COPD, there is no longer a maximum number of physical therapy sessions.
- The second change is that long term, personalized active physical therapy is now fully covered by the basic insurance for people with rheumatoid arthritis.
- The requirements for rehabilitation care have been relaxed, allowing frail elderly individuals easier access to rehabilitation.
- Oral surgeons can support orthodontists in the diagnosis and treatment of severe developmental or growth disorders of the teeth, jaw, or mouth.
- Lastly, starting in 2025, a counseling session for prenatal screening will be covered under a government program instead of the basic insurance.
Important dates relating to healthcare
- November 12th, 2024: this is the latest date by which the healthcare premium amount for 2025 will be disclosed.
- December 31st, 2024: this is the ultimate date by which you can adjust your Compare Dutch Health Insurance to another insurer.
- January 31st, 2025: if you have cancelled your health insurance, this is the latest date by which you can switch your Compare Dutch Health Insurance.
