How to get the best health insurance in 4 simple steps
1. Enter your personal information
With Geld.nl you get tailor made health insurance quotes that match your personal healthcare needs. With this in mind we ask you (and any family members you want to insure) for your date of birth. We also ask your zip code. Based on this code, our comparison tool shows which healthcare providers in your area are covered by the insurers.
2. Indicate additional insurance you need
You want your health insurance to cover and reimburse all the necessary care you or a family member might need. To this end we ask you to indicate which types of additional insurance you feel are important to you and your loved ones. This allows us to only show insurance policies that cover additional treatments, such as dental services or physiotherapy, that you find important.
3. Compare medical insurance quotes from all Dutch healthcare providers
After entering your personal information and additional insurance preferences in the healthcare comparison tool, you will be presented with the most comprehensive overview of Dutch health insurance policies tailored to your specific needs. To help you determine which policy fits best, you will see a top 4 selection: the cheapest health insurance, the best value for money, the most extensive coverage, and the cheapest policy that provides you with free choice of care provider. If you want to see all available health insurance policies, you can select 'All health insurance.' Additionally, you can use filters to easily customize the comparison and adjust your preferences.
4. Apply for your new health insurance
Have you found a health insurance policy that meets your needs? You can usually apply directly online. The application process depends on our partnership with the insurer: either you apply directly through our site, or we redirect you to the insurer's website. Once your application is complete, you will receive a confirmation email. Acceptance for basic health insurance is almost always immediate. However, for additional health insurance, insurers may ask additional questions to determine whether they accept you, typically this applies to policies with extensive coverage for physiotherapy or dental costs.
Frequently asked questions about health insurances
How does Geld.nl decide which health insurance policies to compare?
At Geld.nl, we help you find the best health insurance for your needs. We compare health insurance policies based on the following criteria:
Your date of birth: You must be at least 18 years old to take out health insurance. Additionally, premiums for some additional insurance policies depend on your age. We show premiums that correspond to your age.
Your zip code: We display which healthcare providers in your area have contracts with the insurers.
Family members: Children up to 18 years are insured for free. Adult children and your partner are required to have their own health insurance. We advise each adult in your household to make their own comparison to get the most suitable insurance policy tailored to their needs.
Your chosen deductible for basic health insurance: Your deductible impacts your monthly or yearly premium. Higher deductibles result in lower premiums for basic health insurance. We show premiums that match your selected deductible.
Desired care coverage: We only show health insurance policies that cover the care you want.
Free choice of hospitals: Hospitals do not have contracts with every insurer. This means that when you visit a non-contracted hospital, you might be held liable for part of the expenses. At Geld.nl we ask whether you want the option to visit any hospital within a 50-kilometer radius without incurring any additional fees.
Geld.nl, always gets you a personalized health insurance quote, displaying policies that meet your specific needs. This allows you to choose the best and most affordable health insurance for you.
How do health insurance comparisons on Geld.nl work?
In our healthcare comparison tool, you provide your personal information and preferences, and we give you an overview of all health insurance policies that match your needs. The top-listed policy is the best fit based on price and quality, which is based the following factors:
- Premium
- Product score (based on coverage)
- Freedom of healthcare choice
- Immediate acceptance
- No waiting time
- Ease of application
The comparison shows the health insurance that suits you best. You can also sort the policies by premium to see the lowest-cost option at the top. Keep in mind, the lowest premium might not always be the best choice in your situation. Ultimately, you decide whether to choose the best or the cheapest health insurance.
Want to know more about our process? Read our detailed explanation.
Why compare health insurance policies on Geld.nl?
Geld.nl is an impartial and 100% independent comparison site. With us, you can get an overview of the most comprehensive range of health insurance policies in the Netherlands. We also offer discounts of up to 20% on some policies, helping you find the best health insurance with the lowest premium allowing you to save up to € 640 per year!
Geld.nl is not part of any insurance network or financial institution, ensuring our information is impartial and unbiased. Independent data suppliers keep our information up to date, guaranteeing that your comparison is always relevant. Due to our transparency, we have earned the quality mark ‘Objectief vergelijken ’, making us one of the few comparison sites to be awarded this distinction. The ‘Wijzer in Geldzaken’ platform recommends using comparison sites with this quality mark to ensure an honest and reliable comparison tailored to your needs.
How do I find the best health insurance with the lowest premium in the Netherlands?
The best health insurance for you depends on the types of care you need, and whether your preferred healthcare providers are part the insurers network. Since the best health insurance in the Netherlands differs for each individual it is only natural that you want to avoid paying more than necessary. Luckily Geld.nl is here to help you choose! Our comparison tool provides all the information you need to make an informed decision, ensuring you find the health insurance that suits you best. Curious about what to consider when choosing health insurance?
Which deductible should I choose?
The deductible only applies to care covered by your basic health insurance. All Dutch insurance policies have a standard deductible of € 385, which you can increase to a maximum of € 885. The higher your deductible, the lower your health insurance premium. If you don't expect to use services covered by basic insurance and have some savings set aside just in case, increasing your deductible can be beneficial, allowing you to save up to € 270 in 2025. Read more about the deductible.
What are the changes to Dutch health insurance in 2025
In 2025, everything surrounding your health insurance will change again. Premiums are rising considerably, by an average of almost € 150 per year. The content of the basic insurance is also changing. The deductible remains the same. Want to know exactly what is changing? Then read: Health insurance changes 2025.
Or find your answer on one of the pages below
- How does your health insurance deductible work?
- What is a personal contribution to health insurance?
- What is a kind policy?
- What is a refund policy?
- What is a combination policy?
Eef van Opdorp legt uit
Compare health insurance policies
Nearly 40% of Dutch consumers have changed their health insurance at least once in the past nine years (Source: Vektis). This makes sense because your healthcare needs can shift over time, while health insurance policies also undergo yearly adjustments. As premiums increase and the types of care that are reimbursed decrease, there is a chance that you risk paying too much for your health insurance without realizing it.
Fortunately, there's an easy solution: compare your health insurance every year. Switch to a policy that better suits your needs, and you could save up to € 640 annually!
Correct coverage and low premium
We understand that you do not compromise when it comes to the quality of your health insurance. By comparing health insurance policies on Geld.nl you find the coverage you need at the lowest possible premium. We believe it is important for you to make an informed choice, which is something the Dutch Authority for Consumers and Markets (ACM) also recommends. This is why using a comparison site to compare your health insurance ensures you get the best possible insurance policy for the lowest price.
