Comparing Dutch health insurances 2025

With our comparison tool, you can quickly and easily find the best and most affordable health insurance for your needs. By answering a few simple questions, you’ll immediately see the top three options (in Dutch) tailored to you. You can then sign up for insurance online, which will take just about 10 minutes.

Prefer to browse a bit more? You can explore all available health insurance policies or compare several options side by side.

Already have health insurance in the Netherlands?

If you already have health insurance in the Netherlands, you can switch your policy every year between November 12th and December 31st. Your new coverage will take effect on January 1, and your new health insurer will ensure that your previous policy is canceled.

Why choose your health insurance via Independer?

Choosing your health insurance through Independer has many benefits. With over 25 years of experience, we provide expert advice on the best health policies for you. Hundreds of thousands of people have already used our service to secure their health insurance.

We compare various health insurance options in just minutes. After comparing, you can save your results and email them to yourself or sign up for a policy directly. Your old insurance will be automatically canceled. There's no action needed from you.

More Reasons to Use Independer for Your Health Insurance:

• The largest health insurance comparison in the Netherlands: Last year, we had over 5 million health insurance comparisons on our website during November and December.
• Up to 10% discount: You’ll never pay more than you would directly with the insurance company.
• Rated 9.3/10: By over 200,000 customers.
• Support from health insurance experts: Our team is always available to assist you with questions about things like reimbursements.
• Complete range of options: Compare all available health insurance policies.
• Choice of care: Check which hospitals are contracted in your area.
• Free cancellation service: We take care of canceling your old health insurance for you.
• Quality seal for Objective Compare: We carry this seal because we meet the standards for reliable comparisons, transparent service, and customer-focused advice.

• The basic premium for health insurance in 2025 has increased by an average of € 12 per month, adding up to € 144 per year. This rise is driven by growing healthcare costs in the country, mainly due to higher wages for healthcare professionals, increased demand for care from an aging population, and a rise in chronic illnesses. These factors also require more healthcare staff and facilities, leading to higher premiums.
• The healthcare benefit has also gone up in 2025, but it only offsets about two-thirds (64%) of the premium increase. As a result, if you’re eligible for the maximum allowance, you’ll still pay around € 40 more for health insurance. You can find more information about when you qualify for healthcare benefit.
• The mandatory deductible for health insurance continues to be a topic of debate. Currently, it remains at € 385 for 2026, but it’s expected to be halved by 2027. However, you can choose to voluntarily increase it up to a maximum of € 885. Expenses for hospital care and medications are included in the deductible, but certain services - like GP visits and obstetric care - are fully covered by basic insurance.