ONVZ

Excess

Are you using care from the basic insurance? Then you must pay the first €385 yourself. This is your compulsory excess.

The excess is an annual amount you have to pay yourself before any costs are reimbursed under the basic health-care plan.

There are two types of excess: the compulsory excess and the voluntary excess.

Compulsory excess

Each year, the government determines the amount of the compulsory excess. For 2025, the compulsory excess is € 385. It only applies to people aged 18 and over.

Voluntary excess

You can opt for a voluntary excess of € 500 per year in addition to the compulsory excess. The higher your voluntary excess, the lower the premium for your basic health-care plan. You can arrange a voluntary excess yourself in MijnONVZ, but you can also contact us.

Excess: costs covered by the basic health-care plan

The excess only applies to health care that would normally be reimbursed under your basic health-care plan. You will never have to pay an excess for health care covered by your supplementary health-care plan.

In addition, the excess does not apply to all costs reimbursed under the basic health-care plan. There are some exceptions:

  • GP visits, including integrated care
  • nursing and other care in the personal environment
  • obstetric care and maternity care
  • prevention programmes designated by ONVZ, such as programmes for obesity or to help you quit smoking
  • medication assessment by a pharmacy or dispensing GP based in the Netherlands in case of chronic use of prescription medication
  • travel expenses and follow-up checks for organ donors
  • medical appliances on loan

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