IAK Basic Health Insurance

The IAK Basic Health Insurance covers the most important health care, such as family doctors, medical specialists, medication and medical devices. The government mandates what is covered in this policy. Want to know more about the Dutch Health Care system? Click here. 


Apply for IAK Basic Health Insurance



Basic Insurance Packages 

IAK offers three types of Basic Health Insurance packages: IAK Natura Selectief, IAK Natura and IAK Restitutie.


IAK Natura Selectief

  • Limited Contracted care
  • Lowest
    premium per month
  • Limited range of health care providers
  • Personal GP, free of choice. 
  • Emergency care in every hospital, every GP
  • up to 75% of the average contract fee is covered with uncontracted health care providers. 

IAK Natura

  • Contracted care
  • Average
    premium per month
  • Wide range of health care providers
  • Personal GP, free of choice. 
  • Emergency care in every hospital, every GP
  • up to 80% of the average contract fee is covered with uncontracted health care providers. 

IAK Restitutie

  • Non-Contracted care
  • Highest
    premium per month
  • Free choice of health care providers
  • Personal GP, free of choice. 
  • Emergency care in every hospital, every GP
  • 100% is covered with all health care providers.
     





Excess

When you make a claim, the excess (or deductible) is the amount of money you need to cover yourself each year. For the Basic Health Insurance, the Dutch government mandates an excess of € 385,00 in 2017. Excluded from this excess are i.e. General Practitioner appointments and maternity care.

Do you think you won’t use health care much? You can choose for a higher voluntary excess, up to an additional € 500.00. A higher voluntary deductible equals a lower premium per month.



Supplementary Health Care Insurance

For the StudentsInsured Basic Health Insurance, IAK offers two Supplementary Insurance Packages that provide additional health coverage. 


Supplement: Jong

  • For people under 28 years old 
  • Reimburses: 
  • Physiotherapy:  max. € 250.00
  • Alternative care and medication:  max. € 200.00
  • Glasses and contact lenses: max. € 50.00 every 3 years
  • Preventive care budget (for i.e. vaccinations for traveling abroad): max. € 200.00
  • Optional: dental expenses:  max. € 250.00

Supplement: Dental

  • Additional dental insurance
  • Reimburses: 
  • 100 % preventive care treatments (for consultations, oral hygiene appointments and fillings)
  • 80% other treatments
  • choose your annual maximum of € 350.00, € 950.00 or € 1,900.00 per year


Costs

Please refer to the Premium Overview for the costs of IAK Basic Health Insurance.