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 providers 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 all reimbursements in the Reimbursement Overview
View the list of care types covered by basic healthcare insurance
Excess and AV-ZEM supplementary insurance
If you receive care covered by the basic healthcare insurance policy, you must pay your excess towards the costs of the care. Your excess is €385.
The AV-ZEM policy also covers the compulsory excess of €385. This means that you will not have to pay any invoices for your excess. In other words, no uncertainty, no hidden costs. This supplementary insurance is only available under group insurance via an employment agency that is affiliated with ZEM.