Update Health Insurances

by Alexander Beard, on Oct 28, 2016 10:21:31 AM

On September 20th 2016, the Dutch Government has published its spending plans for 2017. Also this year there are adjustments made to the level of the mandatory deductible and the package that is covered trough the basic coverage.

Mandatory deductible (own risk)
In 2017 the mandatory deductible will not increase. This means that the insured has to pay the first 385 euro of medical expenses such as specialist care and medicines, himself.
The mandatory deductible does not apply to obstetric and maternity care and costs that are made at the general practitioner.

Aside from the mandatory deductible insured can choose for a voluntary deductible in addition to the mandatory deductible. The higher the voluntary deductible, the lower the monthly premium. In 2015 12% of the insured people above 18 years old have chosen to take out the extra voluntary deductible, from which 2/3 has chosen to use the maximum additional extra voluntary deductible of 500 euro.

Basic package coverage
No large adjustments are to be expected on the coverage of the basic package.

Income-dependent Zvw-contribution
The employer premium will decrease in 2017 with 0,1% to 6,65%. This amount is calculated on the maximum wage for contribution purposes.

Premium level basic and additional insurances 2017
Dutch Health insurance company DSW, traditionally the first to announce the price of a basic policy for the following year, is raising its premiums by 111 euro in 2017.

With an increase of 9,25 euro per month, DSW is well above the government’s estimate of an average 3,5 euro rise for 2017. In the coming months the other health insurance companies in the Netherlands will communicate their 2017 premiums.

Renewal process
If you have taken out a collective Health plan with our office, we will automatically inform you about the renewal process by the end of October.
If you need assistance with setting up a collective health plan for your employees, please contact us!

Click here to view this article in Dutch.