Employers pay the biggest source of income of our healthcare system through the zorgverzekeringswet. They pay around 6% on the income of their employees next to

Employers pay the biggest source of income of our healthcare system through the zorgverzekeringswet. They pay around 6% on the income of their employees next to the income tax. Second biggest part are the private insurance companies that sell insurance for around €90 to €200 per month. The yearly deductible for all healthcare in the base package is €385 to €885, you can set this deductible yourself. Dental and physiotherapy are separate from general healthcare and have their own insurances and payment structures. They are all privately owned facilities. I usually pay my physiotherapist around €40 for a 30 minute session so I don't need insurance for it. But if you have regular appointments it would make sense to get private insurance for it. We don't have a lot of co-pay (eigen bijdrage). There are some parts in regard to post-natal care where a co-pay is required. Also on hearing aids, dentures, orthopaedic shoes, medicine and non-ambulance transportation to a health facility.