Smart insurance, so that health and happiness remain affordable

Health and happiness are important for your daily life. But you might find that healthcare costs can sometimes be high, or you might not always know what you're entitled to. Small choices in your daily life, including your health insurance, can make a big difference. By making conscious choices, you avoid unexpected expenses and have more money left over for things you enjoy, like hobbies, spending time with friends, or a day out.

Small choices, big difference

You can make a big difference in your health with simple changes. Choose more fruits and vegetables instead of ready-made meals. Exercise regularly: cycle for short distances, walk during your breaks, or do a short workout at home. Reducing stress also helps keep your body and mind healthy. A few minutes of breathing exercises a day or taking a moment to relax with a cup of coffee can make a difference. These choices are easy to make and often save healthcare costs in the long run.

What you have always arranged

A healthy and balanced lifestyle makes a big difference. But you can always get sick. Everyone is entitled to basic health insurance. This covers essential care such as doctor visits, hospital emergency care, and many prescription medications. While the coverage is the same across all insurers, the differences lie in the premium and service. It's important to know what's covered as standard and what additional arrangements you might need to make. This way, you can avoid surprises when visiting the doctor or taking medication.

Add where appropriate

You only take out supplementary insurance if you anticipate needing additional care. Think, for example, of physiotherapy, orthodontics, or alternative treatments. If you rarely use these services, it's often more cost-effective to pay for individual treatments yourself. This way, you don't pay for something you don't use. Always check the limits and terms and conditions so you know exactly what you'll receive and don't overpay. Youri van der Avoird, healthcare expert at insurance comparison site Independer , gives an example: "Check beforehand whether the reimbursements outweigh the additional premium you'll pay. Sometimes you pay more in premiums than you're reimbursed for. For example: you have two checkups a year at the dentist. If you don't have any, you'll pay about €25 each time. Supplemental dental insurance easily costs €10 per month. This amounts to €120 annually."

Insight into your options

By comparing policies, you'll gain insight into your options. Don't just consider the price, but also consider terms and conditions like free choice of care and the deductible. By comparing health insurance policies , you'll find the best fit for your situation. This provides peace of mind and clarity, ensuring you receive the care you need without any added stress.

Your health insurance premium is a fixed monthly payment, but you can reduce costs by making smart choices. Choose a higher voluntary deductible if you rarely use healthcare, or pay your premium in one go for a discount. With good preparation, you can choose a health insurance policy for 2026 that perfectly suits your situation.