# Mandatory health insurance excess rises to €400 in 2027

> The government has set the 2027 health insurance premium (zorgpremie) at €169 a month, €12.50 more than this year, for the basic insurance that everyone in the Netherlands must have.

Economy · published 2026-11-12 10:34 · https://nlnow.nl/a/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; source: CBS)

- Health insurance prices: 5.4 to 2.2
- All consumer prices: 3.1 to 3.7

## Background

- **eigen risico**: The mandatory excess is the part of their healthcare costs that a person with basic health insurance (basisverzekering) pays themselves each year before the insurer starts covering costs. The amount is set by the government, and some care, such as visits to the GP, is exempt from it. Everyone with basic health insurance in the Netherlands pays it on top of their monthly premium, so it is a key part of what healthcare costs them each year.
- **nominale premie**: The nominal premium is the fixed monthly amount the government sets for basic health insurance (basisverzekering) for each insured adult, and it is the same for everyone regardless of income. Children under 18 do not pay it. Insurers may charge a premium on top of this amount, and the income-related contribution (inkomensafhankelijke bijdrage) is a separate payment that employees pay through their salary.

From NLnow, news from the Netherlands in English. How stories are made: https://nlnow.nl/about/