Dutch health insurers announce 2027 premiums, with monthly rises of up to €17.50

Major Dutch health insurers have announced their 2027 premiums, with monthly prices for popular basic policies rising by between €5.70 and €17.50. Several insurers say they are using their reserves to limit the increases.

CZ’s most popular basic policy will cost €177.25 a month, up €17.26. Menzis will charge €165.75, an increase of €9.50. At VGZ, Basis Keuze rises by €17.50 to €167.40 a month, while Ruime Keuze goes up by €16.50 to €170.75.

Zilveren Kruis will raise its Basis Zeker premium by €5.70 to €164.95. Its cheaper Basis Start policy will increase by €5.50 to €159.45.

Achmea, the parent company of Zilveren Kruis, says it is putting about €400 million towards limiting increases for more than five million customers across several brands, including De Friesland, Interpolis and FBTO. Menzis says it will use €116 million from its reserves, while CZ says it will contribute €20 million.

Menzis attributes the increases to two years of rising healthcare costs and says a one-off financial windfall that softened last year’s rise is no longer available. It says its increase remains below the €12.50 a month forecast by the health ministry. CZ also cites rising costs and the loss of a one-off windfall from the Health Insurance Fund. Both insurers point to an ageing population and expanding treatment options as drivers of higher spending.

CZ says the supply of healthcare staff is not growing enough to meet rising demand. Its chief executive, Joep de Groot, called for earlier support outside medical care, saying: “We invest billions in care for patients, while earlier support can sometimes prevent problems from getting worse and people from needing care.”