LoonZorg health insurance: Say goodbye to 'eigen risico'!

LoonZorg health insurance: Say goodbye to 'eigen risico'!

Looking for an expat-friendly Dutch health insurance policy? Would you rather not pay the "own risk" costs in addition to your monthly premiums?

LoonZorg offers a unique new health insurance policy, especially created for expats in the Netherlands, without the "own risk" costs.

Own risk in the Netherlands

In 2016, everyone must pay for the first 385 euros of their healthcare expenses out of their own pocket, as this amount is not covered by the basic Dutch health insurance or basisverzekering.

This deductible excess amount is known as your "own risk" or eigen risico.

However, as an expat you can sign up for LoonZorg's new No Risk insurance policy which exempts you from paying the annual excess of 385 euros.

The LoonZorg No Risk policy

This new No Risk policy is only available to expats and has a monthly premium of 93,03 euros.

The only two eligibility requirements for this special insurance policy are that you:
have a foreign (non-Dutch) passport
are employed in the Netherlands

Expats who are newly arrived or currently settled in the Netherlands are both eligible for the policy.

No Risk's healthcare coverage

The No Risk policy is a basic health insurance policy with one level of coverage. The healthcare coverage of the basisverzekering is set by law, which requires all health insurance companies to cover essential healthcare services set out by the government. Some companies offer additional levels of coverage for an additional monthly fee.

LoonZorg offers the basisverzekering to expats for a lower price, with extra coverage for emergency dental care and repatriation.

Above all, the most important thing is that you, as an expat, do not have to pay the own risk amount of 385 euros!

Benefits of the No Risk policy

In addition to what is already covererd by the basic health insurance, LoonZorg's No Risk policy offers the following benefits:
10 percent discount on the basic health insurance monthly premiums
Coverage of emergency dental care to a value of 200 euros per year
Coverage of repatriation to your home country within geographical Europe
Insurance can be ended with one day’s notice

Sign up for health insurance with LoonZorg!

How does it work?

LoonZorg's special rates are based on the fact that the average healthcare consumption of expats is lower than that of Dutch citizens because they live in the Netherlands for a shorter time.

Because of this, LoonZorg been able to develop an agreement with a major healthcare provider to be able to offer this unique policy for expats.

Sign up for "no own risk" insurance

To sign up for LoonZorg’s No Risk health insurance policy you can fill out the form on their website. You will need to provide a copy of a recent salary slip or employer’s statement to prove that you are employed in the Netherlands.

It’s also possible for partners and/or children of employees to take out standard health insurance via LoonZorg with a substantial discount.

To find out more about how the policy works and what it covers, visit LoonZorg's FAQs page.

About LoonZorg

LoonZorg is a health insurance provider specialising in the needs of expats living in the Netherlands. You can contact LoonZorg via:
 Tel. 023 568 94 55
Online registration form

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Leave a comment

Cor7es 17:50 | 20 November 2017

Has anybody used this insurance? What is the feedback? Is it worth taking? What confuses me is that I cannot check service providers @ their web. Hence, I cannot be sure that in case I need to go to general physician I will only find 1 service provider somewhere in other city. Any useful comments are appreciated :)