Health Insurance Cost in Eindhoven (2026)
Quick Answer
Partially verifiedIn Eindhoven, basic Dutch health insurance for adults typically costs about €150-€190 per month in 2026, depending on the insurer, policy type and excess chosen. For 2025, the Dutch government estimates the average nominal premium at about €158 per month, while major insurers publish monthly premiums in roughly the mid-€150s to high-€170s for standard basic cover. Most adults in Eindhoven must buy the same mandatory basic insurance available across the Netherlands, so prices are broadly national rather than city-specific.
Overview
Health insurance costs in Eindhoven follow the Dutch national system rather than a city-only pricing model. If you live or work in Eindhoven and are required to have Dutch health insurance, the main cost is the monthly premium for the mandatory basic policy (basisverzekering). This basic package is defined by the national government, so insurers must cover the same core medical services, but they can charge different premiums and apply different policy conditions. In practice, adults in Eindhoven usually pay around €150-€190 per month for basic insurance, with lower prices often linked to a higher voluntary excess or more restricted provider choice. A key cost element is the compulsory annual excess (eigen risico), which is set nationally at €385 for most adult healthcare costs within the basic package. You can also choose a voluntary excess to reduce the monthly premium, but that increases what you may pay out of pocket if you use care. Children under 18 are generally insured free for the basic package. Some lower-income residents may qualify for healthcare allowance (zorgtoeslag), which helps offset monthly premiums. Because Eindhoven is in the Netherlands, the best way to assess cost is to compare nationwide insurers rather than look for a local Eindhoven-only rate. Official government and comparison sources are especially useful for checking current premiums, excess rules and eligibility.
What It Costs
| Item | Cost | Evidence |
|---|---|---|
| Estimated typical monthly premium for adult basic health insurance in Eindhoven(per month) Estimated range based on Dutch national basic health insurance premiums for 2025-2026, using government average-premium guidance and published premiums from major national insurers that also serve Eindhoven residents. Estimated range | ~€150 – €190 | Estimated range |
| Government-estimated average nominal premium for basic health insurance (2025)(per month) Government states the average nominal premium for 2025 is €1,908 per year, about €159 per month; rounded here to €158-€159 monthly equivalent. Verified from source | €158 | Verified from source |
| Compulsory annual excess (eigen risico) for adults(per year) National compulsory excess for adult basic insurance. Verified from source | €385 | Verified from source |
| CZ basic insurance premium (2026 From Jan package)(per month) Published insurer premium for a standard basic package; exact package variants may differ. Verified from source | €156.9 | Verified from source |
| VGZ basic insurance premium (2026 national basic package example)(per month) Published insurer premium for a standard basic policy example. Verified from source | €174.5 | Verified from source |
| Basic insurance premium for children under 18(per month) Children under 18 are insured free for the basic package, though they must be registered with an insurer. Verified from source | €0 – €0 | Verified from source |
What’s Typically Included
- Mandatory Dutch basic health insurance covers the nationally defined basic package
- Children under 18 can be added for the basic package without premium
- Premium usually excludes supplementary insurance unless added separately
Variants & Configurations
How Fees Work
Adults generally pay a monthly premium to the insurer plus any applicable annual excess when using covered care. Basic cover is mandatory for most residents and workers, while supplementary cover is optional and charged separately.
Factors Affecting Price
- Which insurer and policy model you choose, especially whether the policy offers free provider choice or a restricted network
- Whether you keep only the compulsory €385 excess or add a voluntary excess to lower the monthly premium
- Any supplementary insurance added for dental care, physiotherapy, glasses or other services not fully covered by the basic package
- Your eligibility for healthcare allowance, which does not change the premium itself but can reduce your net monthly cost
Local Context
In Eindhoven, as elsewhere in the Netherlands, health insurance pricing is primarily national rather than municipal. Residents usually compare insurers each autumn for the following calendar year. The premium is paid in euros and no tipping or local city surcharge applies. What matters most locally is whether your preferred hospitals and care providers in the Eindhoven region are contracted under your chosen policy.
Some figures here are still being verified.
Where a verified figure isn’t available yet, we say so rather than guess. For the most current pricing, check the official source below.
Prices are shown in euros (EUR). Dutch insurers usually quote health insurance premiums as a monthly amount, while the excess is an annual figure.
Sources & References
Every price on this page is traced to a documented source. Last checked 24 September 2026.
- Government of the Netherlands - Health insurance · government
Average nominal premium guidance for 2025 and overview of the Dutch health insurance system.
- Government of the Netherlands - Standard health insurance · government
Compulsory excess amount and confirmation that children under 18 are insured free for the basic package.
- CZ - Basisverzekering · provider
Example published monthly premium for a major Dutch insurer available to Eindhoven residents.
- VGZ - Basisverzekering · provider
Example published monthly premium for a major Dutch insurer available to Eindhoven residents.
Frequently Asked Questions
Is health insurance cheaper in Eindhoven than in Amsterdam or Rotterdam?+
Usually not by much. Basic Dutch health insurance is sold nationally, so Eindhoven residents generally see the same premiums as people elsewhere in the Netherlands.
What is the cheapest way to lower health insurance costs in Eindhoven?+
The main ways are choosing a lower-cost insurer or policy type, accepting a more limited provider network, and increasing your voluntary excess if you expect low healthcare use.
Do I have to pay the excess as well as the monthly premium?+
Yes. The monthly premium pays for the policy, while the compulsory excess is the amount you may need to pay yourself for certain care under the basic package before the insurer reimburses it.
Are children insured free in the Netherlands?+
For the mandatory basic package, yes. Children under 18 do not pay a premium for basic insurance, but they still need to be registered with an insurer.
Can students or lower-income residents in Eindhoven get help with the cost?+
Possibly. If you meet the income and residency conditions, you may qualify for healthcare allowance (zorgtoeslag) from the Dutch government, which helps cover part of the premium.
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Check current prices at the official source
Government of the Netherlands - Health insurance
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