The deductible excess is the amount you must pay in healthcare costs yourself before receiving reimbursement from the health insurer. In 2024, the (mandatory) deductible will be €385

The deductible only applies to care from the basic health insurance.

Good to know The higher the deductible, the lower the health insurance premium.

Many health insurers do not enter into contracts with all health care providers. Most insurers offer you a wide choice of hospitals, so you can go almost anywhere. Of free choice of care you can decide for yourself which hospital you go to.

Good to know You can always go to all hospitals for emergency care.

In addition to your basic health insurance, you can also choose to take out a supplementary package. Additional health insurance policies have no influence on the deductible. Below are the most commonly purchased additional packages.

What dental costs do you expect next year? Dental insurance often reimburses a percentage of this costs. Always look carefully at the conditions.

Good to know Dental insurance generally does not reimburse orthodontics, this reimbursement is often included in the supplementary insurance.

Do you also want reimbursement for orthodontics? Insurers make a distinction based on age: There are different packages for adults and children.

Health insurers often offer a discount if you pay annually. Handy to take with you in the comparison.