Health insurance premium rises almost €15 a month in 2027
The average premium for basic health insurance goes up by €14.83 to about €173 a month, comparison site Zorgwijzer's figures show, and people can switch insurer until 31 December.
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Illustrative photo: Friedrich Haag / CC BY-SA 4.0
The average premium for basic health insurance (basisverzekering) rises by €14.83 a month in 2027, to about €173, according to figures from comparison site Zorgwijzer. Insurers are softening the increase with money from their reserves.
Why it matters
- The gap between the cheapest and most expensive basic policy grows to €649 a year in 2027, the biggest ever, up from €511 in 2026, Zorgwijzer's figures show.
- People can switch health insurer up to and including 31 December 2026.
According to Zorgwijzer, Achmea, the parent company of Zilveren Kruis, is using about €400m of its reserves to limit the rise. Menzis is using €116m and CZ €20m.
The gap between the cheapest and the most expensive basic policy grows to €649 a year in 2027, the biggest ever, Zorgwijzer's figures show. In 2026 the gap was €511.
Achmea sets aside the most reserves to soften the rise
€m
Achmea sets aside the most reserves to soften the rise (€m). Highest: Achmea, 400; lowest: CZ, 20; 3 items. Source: Zorgwijzer.
View data
| Item | €m |
|---|---|
| Achmea | 400 |
| Menzis | 116 |
| CZ | 20 |
Health insurance prices in the consumer price index were 2.2% higher in October 2026 than a year earlier, CBS figures show. Consumer prices overall rose 3.7%. The health insurance figure stood at 5.4% throughout 2025 and at 7.1% in November and December 2024.
When someone switches health insurer, the new insurer cancels the old policy, so they do not have to do it themselves.
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