Basic health insurance will cost around €140 per month next year


The four major Dutch health insurance companies are increasing their premiums between €3.75 and €9.30, bringing the average monthly payment for basic cover to €138 to €142 per month.

VGZ, Menzis, Zilveren Kruis and CZ all announced their new rates on Saturday, the deadline for insurers to publish their rates for 2023.

Insurers say higher premiums are needed to cope with rising wages and costs, as well as the impact of an aging population.

The government said when presenting its 2023 budget in September that fees would rise by around €10 a month.

“We understand this is a big increase at a time when everything is getting more expensive,” VGZ spokesman Frank Elion said. “But it’s inevitable.”

Policyholders have until the end of December to decide whether they wish to change supplier.

Health care benefits, which depend on income, will increase by around €35 ​​per month to €154. This year, the highest amount is paid to single people whose income does not exceed €22,000 per month and the government has not yet announced the threshold for 2023.

The government determines the composition of the basic policy and the own risk premium, currently €385. Insurance companies are free to set their own prices and determine the cost and composition of supplemental policies, covering things like dental services and additional physiotherapy.

Health insurance company DSW announced earlier that it will increase its base premium by €9.75 next year, bringing monthly payments to €137.50.

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