In the Netherlands, it is compulsory from the age of 18 to pay a total mandatory excess before the basic insurance reimburses medical costs. This principle was introduced in the Dutch Health Insurance Act (Zvw) in 2008. This can be increased with a voluntary excess.
Excess can be increased with either 100, 200, 300, 400 or 500 euros. In return for taking on the extra risk of potentially paying more medical costs, the premium will decrease. The higher the voluntary excess, the less premium will have to be paid.
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Average age of insured voluntary excess under Dutch Health Insurance Act 2010-2015
This statistic shows the average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015. In 2010, the average age of someone with a basic insurance in the Netherlands with voluntary excess was **** years old. This decreased to **** years old in 2015.
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Vektis. (April 15, 2016). Average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 05, 2026, from /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/
Vektis. "Average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015." Chart. April 15, 2016. ÌÇÐÄÆƽâ°æ. Accessed August 05, 2026. /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/
Vektis. (2016). Average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 05, 2026. /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/
Vektis. "Average Age of Insured with or without Voluntary Excess ("Vrijwillig Eigen Risico") under The Dutch Health Insurance Act (Zvw) from 2010 to 2015." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 15 Apr 2016, /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/
Vektis, Average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015 ÌÇÐÄÆƽâ°æ, /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/ (last visited August 05, 2026)
Average age of insured with or without voluntary excess ("vrijwillig eigen risico") under the Dutch Health Insurance Act (Zvw) from 2010 to 2015 [Graph], Vektis, April 15, 2016. [Online]. Available: /statistics/580644/netherlands-average-age-of-insured-with-or-without-voluntary-excess-under-the-dutch-health-insurance-act/
