ZEM health insurance 2025
The premium of the basic health insurance ZEM Policy is €159.25 per month.
View additional information about the ZEM Policy
About basic healthcare insurance
Basic healthcare insurance is compulsory in the Netherlands. The government decides what types of healthcare are reimbursed under the basic insurance policy. This is the same for all healthcare insurers. The difference lies mainly in the choice of care provider and the level of the reimbursements. The basic healthcare insurance policy covers the costs of, among others, general practitioner and hospital care, medicines and patient transport.
View the list of care types covered by basic healthcare insurance
View all reimbursements in the Reimbursement Overview
Excess and AV-ZEM supplementary insurance
If your employee receives care covered by the basic healthcare insurance policy, they must pay their excess towards the costs of the care. In 2025, the excess is €385.
The AV-ZEM policy also covers the compulsory excess of €385. This means that your employee will not have to pay any invoices for their excess. In other words, no uncertainty, no hidden costs. This supplementary insurance is only available for employees who participate in group insurance via employment agencies that have a contract with ZEM.