Dutch Basic Health Insurance by IAK

Dutch Basic Health Insurance by IAK

The Basic Health Insurance by IAK meets the legal requirement for Dutch 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 now        Download Terms and Conditions   

Basic Insurance Packages 


You determine how much premium you pay. This is based on: 
  • Which health care providers are available to you. More health care providers equals a higher premium. Read more about contracted health care providers. 
  • The amount of excess (deductible) you pay. A higher excess equals a lower premium. 

IAK offers three types of Basic Health Insurance packages: IAK Goede Keuze, IAK Ruime Keuze and IAK Eigen Keuze.



  IAK Goede Keuze
(selective contracted care)
IAK Ruime Keuze
(contracted care)
IAK Eigen Keuze
(non-contracted care)
Premium per month
How high is my premium? 

Lowest Average Highest
Contracted health care providers 
 Which contracted health care providers are available to me? 

Selective range of contracted health care providers Wide range of contracted health care providers Free choice, all health care providers.
GP doctor 
Which GP is available to me? 

Personal GP, free of choice. Personal GP, free of choice. Personal GP, free of choice.
Emergency Care 
 Which hospitals / GP's are available to me? 

Every hospital, every GP Every hospital, every GP Every hospital, every GP
Uncontracted health care provider 
What if I want to use an uncontracted health care provider? 

75% of the average contract fee is covered 75-80% of the average contract fee is covered 100% is covered.
 

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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. 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. 

Jong Package | for young people aged < 27 

Combines several supplementary insurances. 
Reimburses: 
Physiotherapy:  max. € 250.00
Alternative care and medication:  max. € 200.00 
Glasses and contact lenses: max. € 50.00 every 3 years
Vaccinations for traveling abroad: max. € 200.00
Optional: dental expenses:  max. € 250.00

Dental Package

Provides extensive 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.