LoonZorg: Dutch health insurance for expats without mandatory excess

Did you know that there is a Dutch health insurance policy without mandatory excess (eigen risico), designed exclusively for expats, with all information in English? Switch to LoonZorg's unique policy by December 31!

The LoonZorg policy exempts you from your mandatory excess (€385)

Would you rather not pay the 385 euros mandatory excess costs (eigen risico) in addition to your monthly premiums?

• Switch to LoonZorg's policy between November 13 and December 31 (and your current insurance will be automatically terminated).
• Sign up within four months of your arrival, if you are new to the Netherlands (to avoid paying a fine of 496,74 euros (2024).

No more mandatory excess (eigen risico) with LoonZorg

In the Netherlands, everyone must pay the first 385 euros of their healthcare expenses out of their own pocket. This amount is called eigen risico, and is not covered by the mandatory Dutch health insurance or Basisverzekering.

However, the HollandZorg policy exempts you from paying the annual excess of 385 euros.  So, you won’t have to deal with any surprise expenses when visiting a doctor, which is an excellent advantage most health insurance policies don’t offer.

Don't wait, get health insurance without the health insurance deductible now!

LoonZorg’s health insurance policy benefits for expats

In addition to what is already covered by the mandatory public health insurance (Basisverzekering), extra supplements will automatically be added to your policy.

Benefits of No Risk I & No Risk II supplements

These supplements will provide you with the following extra interesting benefits:

• Coverage of the mandatory excess (385 euros)!
• Coverage of emergency dental care up to a value of 200 euros per year
• Repatriation (worldwide) in the event of a medical need, or death, up to 15.000 euro
• The statutory personal contribution towards medicines

The public health insurance including the No-Risk I & No-Risk II supplement is only available to expats and their expat partners, and has a monthly premium of 164,70 euros (2025 premium). Get health insurance without mandatory excess now! 

Even more benefits with the No Risk III supplement

Optionally, you can add the No Risk III supplement to your policy, which covers the following:

• 250 euros of dental care
• 6 physiotherapy treatments (at contracted care providers, referral required)

The Dutch public health insurance policy from LoonZorg costs 178,45 euros (2025 premium) with the No Risk I, No Risk II and No Risk III supplements. Learn more & Sign up now!

Who's eligible? Can I sign up my family as well?

The only eligibility requirements for this special expat insurance policy are:

• You have a foreign (non-Dutch) passport
• You are (or your expat partner is) employed in the Netherlands

Both expats who have just arrived in the Netherlands, and those who have settled are eligible. Children under the age of 18 do not pay a premium, and LoonZorg can help you fill out the forms for them. 

If you register with LoonZorg before December 31, they will automatically terminate your current health insurance policy and switch it to one of the best-priced health insurance policies in the Netherlands.

The Netherlands' expat healthcare provider

LoonZorg offers a unique health insurance policy from HollandZorg, specially created for expats in the Netherlands. To find out more about how the policy works and what it covers, visit LoonZorg's website and stop paying for eigen risico now!.