Mandatory health insurance excess rises to €400 in 2027

The mandatory excess (eigen risico) on basic health insurance rises to €400 a year in 2027, up from €385 this year. The government has also set the nominal premium for 2027 at €169 a month, which is €12.50 more than in 2026.

The co-payment (eigen bijdrage) for maternity care at home will also rise, from €5.70 to €6 an hour. Basic insurance will no longer reimburse cardiac rehabilitation for people with stable angina pectoris or atrial fibrillation.

Some changes go the other way. Reimbursement will become more generous for people who need a wig after medical treatment, and the co-payment for glasses and orthopaedic footwear will fall slightly.

People will also pay more towards patient transport if they need it. The government announces the nominal premium each year on Prinsjesdag, the day the budget is presented. According to the government, it is the amount for which insurers should be able to pay their customers' healthcare costs.

Statistics Netherlands (CBS) figures show health insurance prices were 2.2% higher in October 2026 than a year earlier, against 3.7% for consumer prices overall. In October 2025 the yearly rise was 5.4% for health insurance and 3.1% for all prices.

Health insurance prices now rise more slowly than other prices

% change on a year earlier

Health insurance prices now rise more slowly than other prices (% change on a year earlier). Highest: Health insurance prices, 5.4; lowest: All consumer prices, 3.1; 2 items. Source: CBS.

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Data: Health insurance prices now rise more slowly than other prices

Item	Oct 2025	Oct 2026
Health insurance prices	5.4	2.2
All consumer prices	3.1	3.7