How high is the mandatory excess (eigen risico)?
- In 2021 the mandatory excess is €385.
- Lower your monthly fee with an increased mandatory excess.
Next to the health insurance company’s monthly fee, you should be aware of the mandatory excess (eigen risico). The compulsory excess is the yearly contribution you participate yourself to your healthcare expenses. The minimum amount is determined by the Dutch government and changes slightly every year. In 2021 the excess is € 385, the same as in 2020.
Suppose you are a healthy person and don’t see a doctor frequently. In that case, you might want to increase the mandatory excess. This usually lowers your monthly fee. However, if you do so, you’d need to pay a higher amount if unexpected healthcare costs arise. You can voluntarily increase the mandatory excess by a maximum of € 500 to a total of € 885. If you increase your mandatory risk, make sure you’ll have enough savings to cover unexpected healthcare costs.
Tip: The insurer FBTO allows you to spread the payments of your mandatory excess. That means that you pay around 40 Euros every month for your mandatory excess. If you have not used up your mandatory excess, you will of course get the money back. However, spreading the payment could be interesting to those who are likely to use up their mandatory excess as you don’t have to pay big amounts at once.