Car

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Building

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Household

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Accident

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Legal aid/counsel

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

  • Covers damages or injuries your pet causes to others.
  • Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

  • Provides additional coverage beyond the limits of your home or auto insurance policies.
  • Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

  • Covers claims made against you for errors or omissions in your professional work.
  • Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

  • Covers damages or injuries caused by a product you manufacture or sell.
  • Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

  • Covers liabilities associated with renting out property.
  • Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

  • Covers damage to the rented property or injuries to others caused by the tenant.
  • Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

  • Covers damage or injuries caused by your boat or other watercraft.
  • Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

  • Covers damage or injuries caused by your bicycle.
  • Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

  • Covers liabilities related to data breaches or cyber attacks.
  • Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

  • Covers claims for personal injuries like defamation, slander, or invasion of privacy.
  • Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

  • Covers liabilities associated with serving alcohol, particularly in businesses.
  • Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

Travel

List of things that are insured:

1. Travel Medical Insurance

  • Coverage: Non-emergency medical care abroad.
  • Why It’s Essential: Ensures you can receive medical treatment for non-emergency conditions, such as illnesses or minor injuries, while traveling without facing huge out-of-pocket expenses.

2. Luggage and Personal Effects Insurance

  • Coverage: Loss, theft, or damage of luggage and personal belongings.
  • Why It’s Essential: Protects your belongings during your trip, ensuring that you can be reimbursed for lost or damaged items, which can be costly and disruptive to your travel plans.

3. Trip Interruption/Cancellation Insurance

  • Coverage: Costs related to trip interruption or cancellation due to non-emergency medical issues.
  • Why It’s Essential: Provides financial protection if you need to cancel or cut short your trip due to a non-emergency health condition, helping you recover costs for unused portions of your trip.

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Useful links

FAQ

1. Am I obliged to take out the Dutch public health insurance, called ‘Basisverzekering’?

For every person that pays income tax/social security fees to The Netherlands it is usually compulsory to take out the ‘Basisverzekering’. Sometimes exceptions are made.

2. I have a travel insurance and/or a health insurance package in my home town. Do I still need to conclude the ‘Basisverzekering’?

Yes you do, if you pay income tax/social security fees to The Netherlands. Travel Insurance policies or international policies are not being accepted as a substitute for the Dutch public health insurance (‘Basisverzekering’).

3. Where can I conclude this compulsory Dutch public health insurance, called ‘Basisverzekering’?

Every health insurance company in The Netherlands offers the ‘Basisverzekering’ next to their own supplementary packages.

4. Does the monthly premium and/or the coverage of the ‘Basisverzekering’ differ per health insurance company?

The content/coverage of the ‘Basisverzekering’ is determined by the Dutch Government every year. However, despite of the fact that all health insurance companies offer exactly the same product, the premiums may vary!

5. When will the monthly premiums be taken from my account?

In The Netherlands the health Insurance premiums are being taken upfront (for the month to come). You can expect the premium to be deducted from your account around the last working day of the month.

6. Why is it that the premium of the ‘Basisverzekering’ varies while it is exactly the same product that the health insurance companies offer?

The main reason that the premium varies is that the health insurance companies try to attract people by promoting the ‘Basisverzekering’ with a high voluntary excess or they offer just a limited amount of contracted care providers. This way they can lower the monthly premium.

7. What is Excess/deductibles or ‘Eigen Risico’?

Excess/deductibles called ‘Eigen Risico’ is the amount you have to pay yourself before you receive a reimbursement from your insurance company. The ‘Basisverzekering’ includes a compulsory excess for everyone aged 18 or older. In principle, you will pay the first €385,- euro of care costs out of your own pocket (except for when choosing for the No Risk I supplement on top of the HollandZorg public health insurance). You can also opt to add a voluntary excess to your compulsory excess in order to reduce the premium for your standard package. The higher your voluntary excess, the lower the premium you will be charged. Please be aware of the risks when you consider a voluntary excess!

8. Is the ‘Basisverzekering’ via LoonZorg free from compulsory excess/’Eigen Risico’?

The HollandZorg public health insurance (‘Basisverzekering’) itself is not free from compulsory excess/ ‘Eigen Risico’. However the compulsory excess/ ‘Eigen Risico’ can be covered via a supplement if people take out a policy through LoonZorg.

On top of the HollandZorg public health insurance LoonZorg offers the ‘No Risk’ additional packages. In order to avoid unexpected- and administrative care expenses afterwards, the No Risk I supplement has been added to cover compulsory excess/’Verplicht Eigen Risico’ of the ‘Basisverzekering’. Besides the coverage of the ‘Verplicht Eigen Risico’ the supplements also offer a coverage for extra dental care, repatriation within geographical Europe, extra expenses for medicines and physiotherapy. More information you will find in the policy conditions.

9. What is the monthly premium of the HollandZorg public health insurance together with the No-Risk I and No Risk II supplement, and how much money can I expect to save per year?

Including the No Risk I and No Risk II package, the 2024 HollandZorg public health insurance has a monthly premium of 154,20 euro (164,70 euro in 2025). The average premium of the ‘Basisverzekering’ in 2024 is 150,- euro per month. So together with not having to pay for the excess ‘Verplicht Eigen Risico’ this ‘No-Risk policy package can save you more than 400,- euro easily.

10. What are the conditions to apply for the HollandZorg public health insurance together with the No-Risk I and No Risk II supplement?

In order to join this HollandZorg-LoonZorg collective agreement you will have to meet the following requirements:
You’re a non-Dutch resident, which means you do not hold a Dutch passport;
People have to be employed in the Netherlands (contribute towards Dutch Social security);
People will have to meet the requirements in order to join the Loonzorg collective agreement

11. What is the coverage of the ‘Basisverzekering’?

Click next link to find an English version of the coverage of the ‘Basisverzekering’

12. What happens when I do not sign up for the Dutch health insurance?

The Healthcare Institute tracks down people that are uninsured. People that are uninsured can expect to receive a fine of approximately 400,- euro. Also the Healthcare Institute has the right to take out insurance for people that are not insured. The standard premium will be withheld from their salary, benefits or other income for 12 months.

13. Can I change my healthcare insurer?

You can change health insurers at the end of each year.* Important is to cancel your old insurance before the 1st of January and to take out new insurance before the 1st of February. You will then be insured retroactively as from the 1st of January.
* Switching during the year is possible when you switch from one (employer’s-) collective health care plan to another.
LoonZorg offers a transfer service. We will cancel your old insurance for you if you take out a new policy via LoonZorg before the 29th of December.

14. When I conclude the HollandZorg public health insurance policy (together with the No Risk supplements), do I have to pay the bills directly to the care providers before getting reimbursements?

The HollandZorg public health insurance policy is an in kind (‘natura’)-policy. This means that usually the care providers are able to send the bills directly to the health insurance company. In case of visiting a non-contracted care provider, a dentist, or a GP that you are not registered at, you may have to pay upfront. In that case you can upload the invoice to HollandZorg via the portal or the claim app.

15. Are all health care providers in The Netherlands connected to, contracted by, HollandZorg?

HollandZorg has contracts with all public hospitals in The Netherlands. As well you can visit any GP of your own choice (near your home address). Should you decide to visit a care provider outside of the hospital please be advised to check the organization with us or HollandZorg upfront.

16. Do my children have to be insured as well?

Yes, they do! Children under the age of 18 do have to be insured but do not pay a premium. LoonZorg can help you out to register your children.

17. Do I need a referral to go to a specialist or to the Accident and Emergency department (first aid) of a hospital?

In case of emergencies people are advised to first visit their house doctor (GP), if possible. The GP can take care of a lot of your problems him-/herself.
In case you need to visit a specialist you will have to have a referral from your GP before you make an appointment.

18. Can I get health care allowance?

People with a ‘low’ income can get health care allowance. Via next link you can find out if the health care benefit applies to you.

Other question(s)?

info@loonzorg.nl
023-20 52 129