@kirstenvandermeer_: 🇳🇱 Dutch health insurance + “eigen risico” explained If you live or work in the Netherlands, you need Dutch basic health insurance (basisverzekering). But having insurance doesn’t mean all healthcare is immediately free. 👀 That’s where eigen risico comes in: your annual deductible. In 2026, the mandatory deductible is €385 per year. This means you pay the first €385 of some healthcare costs covered by your basic insurance yourself. After that, your insurer covers the costs according to your policy. And now you also know what the hell that Dutch word means. 🇳🇱✨ #ExpatsInTheNetherlands #DutchHealthcare #EigenRisico #LivingInTheNetherlands #DutchHR

Kirsten | your dutch HR bestie
Kirsten | your dutch HR bestie
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Region: NL
Thursday 27 August 2026 15:27:20 GMT
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ionut_btd
Ionuț :
So it gets billed after the year finishes right? I go tomorrow for a blood test and next month for a small surgery
2026-08-28 01:12:13
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stellavdklugt
StellaVanDer :
Hospitals are the worst and so are the doctors in the Netherlands, take your money and GO TO GERMANY for your health.
2026-08-28 02:18:33
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elaknop
Ela Knop :
Basically you’re paying 2,6k per year for being able to use GP, and when they finally decide you’re able to QUALIFY cause you’re literally dying to see a specialist, the specialist doesn’t do shit and help with nothing so you’re developing serious sicknesses instead of getting healthy it in the first place. Completely broken system based on the grid of money from insurance companies, the fact that those doctors all have criteria’s to even get any help.. I’m sorry don’t bother yourself getting healthcare in Netherlands, travel to other countries to get any diagnosis. That’s the worst part of living in Nl
2026-08-28 00:20:58
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miriamaoquab
YasminnCouture :
And it's not per blood test; you have to pay €385. It can be small bills from different sources, like bloodwork, physical therapy, or medication that's not fully covered, which will add up to €385 per year, and that amount you have to pay yourself on top of your monthly payment. After you have used your own €385 risk, the insurance will cover the remaining bills for the rest of the year.
2026-08-27 23:40:30
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kris25751
kris 🇬🇷79 :
paracetamol 🤣🤣🤣
2026-08-27 19:51:09
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aniajackie010
Ania Jackie :
Lol , doesn’t matter what will be happen with you- paracetamol . Broken leg - paracetamol, 9 months waiting to get gastroscopy - paracetamol - getting 3 periods let’s say in moth paracetamol - Holland health care it’s bullshit that’s it
2026-08-27 21:12:22
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bankai2493
BanKai93 :
i received a letter that i have to pay 464 euro
2026-08-27 20:45:24
1
ada.munteanuu
A D A :
Wait 😂 the tattoo on your finger is the same one I have!
2026-08-27 20:13:23
1
patatele
patatele :
I went to a rheumatologist, after an examination she stated that I dont have reuma (also no testing). It costed me eigen risico €385 (useless consulation was €440 for 30min)
2026-08-27 18:54:23
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robert.jb
Robert Jb :
for 2025 i got a letter i have to pay back 140 euros,i never used my insureance the whole 2025 year,wtf?
2026-08-27 19:59:15
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querinosa
Querinosa 🏳️‍⚧️ :
I pay a little extra every month so that shit doest get left behind in my inbox every year 👍
2026-08-27 20:32:05
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cfftw100
Cfftw :
You’re amazing, thank you, sis!🥰
2026-08-27 15:36:40
1
eduards.b8
Eduards B :
For 5 years didn't know there is that zzv or whatever it's called, well writing off my life already 🤣
2026-08-27 22:36:33
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pedro93blog
Pedro_blog :
Thx queen 🫶🏽
2026-08-27 19:33:25
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emon__hossan
Emon Hossain :
you are amazing 🫶🏻
2026-08-27 16:55:27
1
js.lullaby
jop :
The blood test was about 10/20 cents per thing measured for me! So about 5/10€ total. Getting a suspicious mole removed was about 10€ extra? The costs can be quite low! And you can get insurance where they can only bill you up to 64 per month from your eigen risico! So that even if it’s 385€ in the first month, you can pay it in parts of 64€
2026-08-27 16:14:47
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nicolae.mihai.86
Nicolae Mihai Rotar :
Nonsense! even a call to gp costs couple euros! check you're health insurance app or website to see that even when the GP answers to you on the app or something that counts as a small bill
2026-08-27 19:53:36
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.4.doors.more.whores
我的鸡巴很大。 :
That’s one risko, is simple as fkkkk
2026-08-27 19:40:42
0
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