LoonZorg health insurance: Say goodbye to the 'verplicht eigen risico' of 385 euros!

LoonZorg health insurance: Say goodbye to the 'verplicht eigen risico' of 385 euros!

LoonZorg health insurance: Say goodbye to the 'verplicht eigen risico' of 385 euros!

Looking for an expat-friendly Dutch health insurance policy? Would you rather not pay the 385 euro compulsory excess costs (verplicht eigen risico) in addition to your monthly premiums?

As an intermediary, LoonZorg offers a unique health insurance policy from HollandZorg, especially created for expats in the Netherlands, without the verplict eigen risico.

Eigen risico in the Netherlands

In 2017, 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 mandatory Dutch health insurance or basisverzekering.

This deductible excess amount is known as your compulsory excess or verplicht eigen risico.

However, as an expat you can sign up for the HollandZorg policy, which exempts you from paying the annual excess of 385 euros.

The No Risk policy

This No Risk policy is only available to expats and their expat partners, and has a monthly premium of 97,03 euros.

The only two eligibility requirements for this special insurance policy are that:
› you have a foreign (non-Dutch) passport
› you are (or your expat partner is) 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

In addition to what is already covererd by the mandatory public health insurance (basisverzekering), the No Risk policy offers the following extra benefits:

10 percent discount on the public health insurance monthly premiums

Coverage of emergency dental care to a value of 200 euros per year

Coverage of repatriation within geographical Europe

 This insurance can be ended with one day’s notice

Coverage of the compulsory "excess" (385 euros)!

Sign up for health insurance with LoonZorg!

How does it work?

The HollandZorg 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.

Also, HollandZorg added a 500 euro voluntary excess to this policy in order to lower the premium. This means that people will be invoiced at the end of the year if they have exceeded the 385 euro eigen risico, to a maximum of 500 euros.

Sign up for the No Risk policy

To sign up for LoonZorg’s No Risk health insurance policy you can fill out the form on the LoonZorg website. You will need to provide proof of being employed in the Netherlands and a copy of your passport.

As soon as somebody is registered for this policy, it’s also possible for partners who are not employed in the Netherlands to take out the No Risk policy.

Children under the age of 18 also need to be registered for public health insurance but do not pay a premium. LoonZorg can help you fill out the forms for your children.

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 20 52 129
Online registration form

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