Dutch health insurance coverage from VGZbewuzt

The Netherlands has more to offer than tulips, wooden shoes and Heineken beer. We also have excellent healthcare! The basic VGZbewuzt policy insures you for the most frequently needed care.

Expandable coverage

If you like, you can expand your basic coverage to include VGZbewuzt's supplemental bundles. And all of this is available against a very attractive premium.

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What does the basic Dutch policy cover?

You are obliged to take out basic Dutch health insurance if you stay in the Netherlands for an extended period of time. Children of 17 years and under are free of charge co-insured. The government determines the healthcare covered by the basic insurance package. The most common reimbursements are those for:

  • General Practitioner
  • Hospitalisation and inpatient treatment
  • Specialist medical care
  • Medicines
  • Dental care included up to age 18
  • Physiotherapy for a chronic disorder

Higher excess, lower premium

Are you 18 or older? And do you use services included in your basic insurance policy? If you do, then you are obliged to pay excess. Your mandatory excess in 2024 is € 385. In addition to this, you can opt for supplementary voluntary excess. The higher your excess, the lower your premium. Have a look:

Premium/month Excess
€ 138,95 € 385 
€ 135,95
€ 485
€ 132,95
€ 585
€ 129,95
€ 685
€ 126,95 € 785
€ 122,95
€ 885

Is a supplemental bundle something for me?

Not all care is covered by the basic insurance package. Consequently, you have the choice of taking out supplementary insurance. You won't find expensive supplementary packages here; instead, we offer three affordable bundles. This way, you pay only for the care that you really think you will need.

Supplemental bundle Premium
bewuzt actief
bewuzt fit
bewuzt gezond

As a VGZbewuzt policyholder, which healthcare providers may I use?

You may visit most healthcare providers in the Netherlands, including dentists and physiotherapists. For a small number of operations you are obliged to go to the hospitals that meet our highest criteria. This way you can be sure you are getting the best care. If you still decide yo go to a different care provider, 60% of the costs will be reimbursed (based on the average contracted fee).