How high is the mandatory excess?
The compulsory excess (eigen risico) is the yearly contribution you participate yourself to your healthcare expenses. The Dutch government determines the minimum amount, which changes slightly every year. For 2023 the minimum excess is € 385, the same as in previous years.
You might increase the mandatory excess by a maximum of € 500 to € 885 if you are healthy and don’t see a doctor frequently. A higher mandatory excess usually lowers your monthly fee, and you can save some money. However, if unexpected healthcare costs arise, you need to pay a higher amount yourself. Make sure you’ll have enough savings to cover these costs.
Tip: Some insurers (FBTO, Zilveren Kruis) allow you to spread the payments of the mandatory excess. Meaning you pay around 40 Euros every month for your mandatory excess. If you have not used up the full amount, you will get the money back at the end of the year. Spreading the payment could be attractive to those likely to use up their mandatory excess as you don’t have to pay significant amounts at once.