What is 'Eigen Risico'? Your Essential Guide to the Dutch Health Deductible

Defining the 'Eigen Risico'

The 'eigen risico' is a compulsory annual deductible that applies to most medical care covered by your Dutch basic health insurance ('basisverzekering'). This means that you are personally responsible for the first portion of your healthcare expenses each calendar year. The amount is set by the Dutch government and remains fixed for the year.

For 2025, the mandatory 'eigen risico' is €385. Once you have incurred €385 in eligible healthcare costs within a given year and paid these amounts, your basic health insurance will then cover any further eligible costs for the remainder of that year. It resets on January 1st each year.

What Does It Apply To (and What Not)?

The 'eigen risico' applies to a wide range of services covered by your basic insurance:

• Specialist consultations and treatments (e.g., at hospitals).
• Hospital admissions and surgeries.
• Prescription medications.
• Ambulance transport.
• Diagnostic tests (e.g., blood tests, X-rays, scans).
• Most mental healthcare (from a psychologist or psychiatrist).

However, there are crucial exceptions that are exempt from the 'eigen risico':

• General Practitioner (GP) visits: All consultations with your 'huisarts' (GP) are entirely free of 'eigen risico'.
• Maternity care: Most costs related to pregnancy, childbirth, and 'kraamzorg' (postnatal home care).
• Healthcare for children under 18: Children's medical costs are exempt.
• POH-GGZ (primary mental health support): Services provided by a mental health professional within your GP practice.
• Screening for specific infectious diseases.

The Voluntary 'Eigen Risico'

Beyond the mandatory €385, you have the option to voluntarily increase your 'eigen risico' in increments of €100, up to a maximum total of €885 (€385 mandatory + €500 voluntary).

Choosing a higher voluntary 'eigen risico' usually results in a lower monthly health insurance premium. This can be an attractive option for young, healthy individuals who anticipate minimal healthcare costs. However, it means you will have to pay a larger amount yourself if you do incur significant medical expenses.

Cost-Benefit: Voluntary Deductible

Managing Your 'Eigen Risico' Payments

Your health insurer will send you invoices for costs that fall under your 'eigen risico'. You can usually track your current status and remaining deductible through your insurer's online portal or app.

Many insurers offer flexible payment options, such as paying your 'eigen risico' in monthly installments, to help spread the cost. It is advisable to check with your insurer about these options if you are concerned about large, unexpected bills.