Understanding Supplementary Health Insurance in the Netherlands

By |Published On: 2 maart 2024|Last Updated: 2 maart 2024|3,3 min read|

Aanvullende Verzekering means Supplementary (extra) Health Insurance

In addition to the mandatory basic health insurance (basisverzekering), the Netherlands offers a range of supplementary health insurance plans (aanvullende verzekering) to meet individual needs. These optional plans can provide coverage for a variety of expenses not covered by the basic package, such as:

  • Dental care: Extensive dental care for adults, including orthodontics and implants.
  • Physiotherapy: Additional physiotherapy sessions beyond the standard coverage.
  • Alternative therapies: Coverage for alternative therapies such as acupuncture and chiropractic care.
  • Glasses and contact lenses: Coverage for the cost of glasses and contact lenses.
  • Travel insurance: Increased coverage for medical expenses when traveling abroad.

Choosing the Right Aanvullende Verzekering

When choosing an aanvullende verzekering, it’s important to consider your individual needs and budget. Here are a few factors to keep in mind:

  • Your health needs: Think about your current and anticipated health needs. Do you require regular dental care? Are you interested in alternative therapies?
  • Your budget: Supplementary insurance premiums can vary widely. Compare the costs of different plans to find one that fits your budget.
  • The level of coverage: Consider the level of coverage offered by different plans. Some plans offer more comprehensive coverage than others.

Tips for Finding the Best Aanvullende Verzekering

Here are a few tips to help you find the best aanvullende verzekering for your needs:

  • Shop around: Compare plans from different insurers to find the best deal.
  • Read the fine print: Make sure you understand the terms and conditions of each plan before you sign up.
  • Consider your needs: Don’t just choose the cheapest plan. Make sure it offers the coverage you need.


Aanvullende verzekering can be a valuable way to supplement your basic health insurance coverage and ensure that you have the financial protection you need. By taking the time to understand your needs and compare different plans, you can find the best aanvullende verzekering for your individual circumstances.

Here are some frequently asked questions about aanvullende verzekering:

What is the difference between basisverzekering and aanvullende verzekering?

Basisverzekering is the mandatory basic health insurance package that covers essential healthcare needs. Aanvullende verzekering is an optional supplementary insurance plan that can provide coverage for additional expenses not covered by the basic package.

Do I need aanvullende verzekering?

Whether or not you need aanvullende verzekering depends on your individual needs and budget. If you have specific health needs or want to be covered for expenses such as dental care or travel insurance, then aanvullende verzekering may be a good option for you.

How much does aanvullende verzekering cost?

The cost of aanvullende verzekering can vary widely depending on the insurer, the level of coverage, and your age and health status. However, you can expect to pay between €10 and €50 per month for a basic supplementary plan.

How do I apply for aanvullende verzekering?

You can apply for aanvullende verzekering directly with an insurance company. You will need to provide your personal information, such as your name, address, and date of birth, as well as information about your health status.

When can I start using my aanvullende verzekering?

Your aanvullende verzekering will usually take effect on the first day of the month following the month in which you apply. However, there may be a waiting period for certain types of coverage, such as dental care or maternity care.

You can read more about Health Insurances on our Comparison Page.

Author: Roger Kentie

Roger is a Dutch citizen with experience living and working as an expat in multiple countries. Roger has a deep understanding of the complex Dutch financial landscape and is able to provide insights to help other expats make informed financial decisions.

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