Your health insurance

A hearing aid can be an expensive purchase. However, it is covered in whole or in part by health insurance. But what exactly does it cover, and when? We can imagine that it is difficult to understand. On this page, we explain it to you.

Reimbursement from basic insurance

The health insurer will reimburse 75% of the cost from the basic insurance when the conditions of the hearing protocol of Zorgverzekeraars Nederland are met. Those conditions are:

• Your hearing can be rehabilitated, or improved, with a hearing solution;
• There is at least 35 dB hearing loss;
• Your chosen hearing aids fall within the legal category;
• You have not purchased any hearing aids in the last five years.

Excess on your health insurance

Everyone in the Netherlands has a deductible. The legally required deductible is € 385, and you can set it to a maximum of € 885. Your premium will then go down, but when you incur healthcare costs, these will first be at your own expense until the specified amount is reached. If you have not used up your deductible in the current calendar year, this amount will be deducted from the reimbursement you receive from your health insurance company under the basic insurance.

Own contribution

Because the health insurance covers a maximum of 75% from the basic insurance, 25% remains. We call this the own contribution. In principle, you pay these costs yourself. If you have supplementary insurance, the health insurance company may pay all or part of the co-payment.

Calculation examples

When the conditions of the hearing protocol are met.