Anyone who lives or works in the Netherlands, is legally required to have insurance. The basic insurance covers the standard care, for example, doctor, hospital or pharmacy. In addition, everyone can (voluntary) supplementary insure for expenses not reimbursed the basic package.

Which each healthcare insurance you pay an own risk amount. The 'Own Risk' is the amount you must pay if you have care costs. So you pay yourself first € 385. Only then your insurer will pay the costs.

For your health insurance you can choose from a kind policy, refund policy and a selective policy. The coverage of these policies is the same for all insurers. However, insurers may decide with which providers and hospitals they sign a contract. With a reimbursement policy you can choose from every care institution (care free choice). re you choosing the kind policy?

Then you are able to go to about 90% of the health care providers and hospitals.

With a selective policy, you can only choose from a limited number of providers. But there are also big differences between these premium insurance. Note that for a reimbursement policy you pay about € 10,-  a month more than a 'kind policy'.

Many people are inclined to take out dental insurance. But these dental insurances are not always advantageous and costs about € 10,- per month extra. If you go to the dentist for only a hole or for inspection? It is cheaper to pay these costs themselves. Otherwise, the premium of your dental insurance is higher than the costs you will be making.

Please note that dental insurance will not reimburse costs for orthodontics. For this you must take out a separate additional insurance.

Which health insurance for you is best in 2017, depends on your personal preferences. A student, for example, usually require less care than any of 60+. Therefore it is wise to compare health insurances.

Here are some compare sites that help you find the best insurance for you'

www.independer.nl

www.zorgverzekeraarkiezen.nl

www.consumentenbond.nl/zorgverzekering

In the past decade, many insurers merged or acquired causing some insurance companies to have built a great empire. Even though you seem to have a choice, most insurers are part one of the five largest players in the market.

- Achmea (FBTO, Inshared, Interpolis)

- Uvit (VGZ, Univé)

- CZ Group (CZ, OHRA, Delta Lloyd)

- Menzis (HEMA, Ander Zor, Azivo)

- ING (Nationale Nederlanden)