Dutch health insurance 2027: the dates, the costs, and how to switch

What changes in 2027

Prices go up. Early estimates: about €170 to €190 a month for basic insurance (Zorgwijzer). DSW, the first insurer to announce, set €173.25.

Your own risk (eigen risico) is not final yet. It will be €400 or €460, up from €385. We update this page when it’s set.

How to switch

1. After 12 November, check your new price (your insurer sends a letter).
2. Compare on Independer, Zorgwijzer or the Consumentenbond. These links don’t earn us money.
3. Sign up with your new insurer before 31 December. They cancel the old one for you.

Every insurer must accept you for basic insurance, whatever your health.

New to the Netherlands?

If you live or work here, you usually need Dutch basic insurance. You have 4 months to arrange it, and it counts from the day you needed it, so waiting saves nothing. You can sign up any time of year. Some students and people insured in another EU country are exempt: check the rules.

Missed 31 December?

If you cancelled your old policy yourself by 31 December, you can still pick a new one until 31 January 2027. It then starts on 1 January.

Is switching worth it for me?

Take a look if your price goes up a lot, if you pay for extra cover you never use (or miss cover you need, like the dentist), or if your doctor has no contract with your insurer.

Dutch words explained

Dutch	Meaning
Basisverzekering	Basic insurance. Required by law, same cover at every insurer.
Aanvullende verzekering	Optional extra cover, like the dentist or physio.
Eigen risico	What you pay yourself each year before the insurer pays. Family doctor visits don’t count.
Zorgtoeslag	Money from the government towards your premium if your income is low.
Natura / restitutie	Natura: cheaper, full cover only at contracted providers. Restitutie: any provider.