Are you planning to switch health insurance this year?
So it makes sense to check if you can take advantage of an attractive discount.
In this article we show, among other things, which health insurance policies you can use greater discount arrives at:
- An increased deductible
- An annual payment of your premium
- A community
So be sure to read on and find out which health insurance policies are worth it for 2023.
Increased deductible
The health insurers listed below offer the highest discount with a maximum deductible of 885 euros.
| # | Insurer | Annual discount |
|---|---|---|
| 1 | Salland | € 300,- |
| 2 | asr | € 300,- |
| 3 | Care and safety* | € 300,- |
| 4 | Avoid Nature Select | € 270,- |
| 5 | OTHER | € 249.96,- |
Via Health Guide compare all health insurance policies with the maximum deductible.
Not always smart
Increasing your deductible is by no means always smart, such as if you’ve completed your deductible in the last few years or plan to do so in the next year. Even if you can’t come up with 885 euros all at once, an increase in the deductible is useless.
Annual payment
About 4% of all Dutch people pay the premium in one go for a whole year.
You will receive the highest discount with these insurers:
- BEHIND: 2.1%
- CZ, CZdirect, Just en NN: 2%
- ONVZ, Jaaah and VvAA: 2%
- Care and Safety: 1.5%
- CMU: 1.5%
What other insurers offer as an annual discount can be found here.
Example
A couple who pays 320 euros per month in health premiums can go to NN 76.80 save euros on an annual basis by paying the premium in a lump sum.
Collectivity
Many Dutch people are entitled to a discount by using group health insurance, for example through their employer or a member organisation.
These are the collectives with a very high discount in 2023:
| Insurer | Collective | Discount |
|---|---|---|
| Friesland | Entrepreneurs | Additional insurance: until 8% Dental insurance: up to 8% |
| BEHIND | Government | Additional insurance: 20% Dental insurance: 15% |
| IZZ by VGZ | Healthcare worker | Additional insurance: up to 20% |
| Menzis | VNG | Additional insurance: up to 20% Dental insurance: 12% + extra reimbursements for physiotherapist |
| ONVZ | self employed | Additional insurance: 10% Dental insurance: 10% |
| Silver cross | Shell | Additional insurance: 30% Dental insurance: 30% |
| Care and safety | RET | Additional insurance: 20% |
In addition to a premium discount, you are entitled to increased supplementary insurance coverage with some collective bargaining schemes. This applies, for example, to CZ’s PZP police policy.
NB
In most situations, group health insurance is not attractive at all.
how about that, read here (at point 3).
Gyms
Looking for an even bigger discount?
CZ, CZdirect, Just, NN, and OHRA offer discounts on memberships at various gyms.
- Basic Fit: €3.66 per month off (+no signup fee)
- Healthcity: 50% discount on the starting rate, including 2 introductory lessons
- Fit20: 8% off flex or solo membership (+ no sign up fee)
Other discounts
Interesting discounts are also possible with the following health policies:
- HEMA: 10% discount on HEMA products, such as clothing and smoked sausages
- Zilveren Kruis: up to 30% discount on laser eye surgery, glasses, contact lenses and various aids
- Consumers United: €25 voucher in the Fun and Health shop
Compare all of these insurers here.
Please note: you have until Saturday 31 December to change your health insurance. So don’t wait too long.
