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Dutch Insurers Hold 2026 Base Premiums Steady as Menzis Pilots Deductible Relief for Low‑Income Residents

The plan channels a free add‑on via municipal lists to reimburse the statutory deductible, with insurers repaid afterward from the national health insurance fund.

Overview

  • CZ will keep its most‑chosen basic policy at €159.99 per month next year by deploying nearly €57 million in reserves plus a one‑off gain.
  • Across the market, base premiums are largely unchanged, with Independer putting the average at €159.63 and monthly prices ranging from Vink’s €142.40 to a.s.r.’s €185.
  • Menzis proposes a supplementary policy that fully covers costs within the deductible for vulnerable residents without raising their premium, to be reimbursed later via the health insurance fund.
  • The insurer will start in northern and eastern regions where it has agreements, relying on municipalities to identify eligible people such as those on minimapolicies or receiving energy‑bill support.
  • Comparison site ZorgverzekeringWijzer advises consumers to wait before switching because prices for supplementary coverage have not yet been published.