2025 is starting to come to an end, which means that everyone die 18 or older should be looking at zijn/haar/diens/hun health care ze benefits! Already heall if you get or want/are going to get gender care in 2026.

This is the moment!
So why is this so important? A health care verzekeraar contracts with health care providers, and each health care verzekeraar determines zelf which health care providers ze contracts with. 

What if you don't do this? Then you may het so zijn that you have to start paying money out of your own pocket unnecessarily. If a health care provider does not he have a contract with the health care provider from whom you receive care, you often have to zelf pay part of it out of your own pocket. Identifying your care needs and finding an appropriate health care provider can therefore save you a lot of money. 

Good to know: Gender care (transgender care) is largely reimbursed from the basic Verze benefit.

What can you think about and pay attention to?

• Find out what gender care you want/will receive in 2026 and from which health care provider(s) theze care will come.
• Check on the website of the health care provider(s) with which health care providers zeker ze have a contract hebben for 2026.
• Is the health care provider die you want to use not yet contracted? Contact your health care providerzekeraar for information and check also with the provider zelf for clearheid.
• Compare several health care verze benefits with independent comparison site such as Zorgwijzer.nl.
• Using the previous steps, determine which healthcare providerzekeraar het best suits your healthcare needs.

Important dates

• December 31: This is the last day to zeggen your current verzekering.
• Jan. 31: This is the last day to close your health careze benefit for 2026.

Onze tips

We generally recommend about het a combination policy with free/own cueze. This usually allows you to zelf determine which healthcare provider you use, even if your healthcare providerzekeraar does not have a contract with hen heeft. This is especially useful if you don't yet know which health care provider you will get care from, or if you are enrolled with multiple health care providers. Without your own/free cueze you het run the risk that you will not be reimbursed for care at a specific healthcare provider, or that you will have to pay zelf more. Depending on your healthcare providerzekeraar, contracts and het type of care (e.g., GGZ or MSZ*), some of the cost may come out of pocket. Non-contracted GGZ is often partially reimbursed; exactly how much depends on the verzekeraar and het gekozen package.

Set your deductible to €385 and zet het pay in installments on, spreading your deductible. Will you still not meet it? Then you get it back at het end of het year. This way you avoid paying a large sum all at once.

Do you have a low income? You may be eligible for care allowance. You can checken and apply for this through the Taxdienst. 

You can also look at how ethisch responsible and sustainable your health care verzekeraar is. In fact, health care providers sometimes invest hun money in arms trading or fossil energy, which is bad for the world. You can research this through fair-moneyzer.co.uk..

*GGZ = mental healthheid care: because het reimbursement difference in mental health care is small, you can zelf weigh whether a verze benefit with own/free cueze is relevant. Theze care includes expert opinion, diagnostics and psychische help.

MSZ: medical specialistische care: want/get surgicalische- or hormone care, but don't know where yet? Choose a policy with own/free cueze, reimbursement is high and you often don't have to pay anything zelf. Theze care includes surgicalhe or hormone care.

Before taking out a health care ze benefit, do some zelf research on this! Choose a healthcarezekeraar die het best suits your healthcare needs.

What can I kiezen?
We hebrought you the most commonly used gender health care providers and health carezekers, including hun contracts. 

We hebben taken some of the largest health care verzekerers and gender care providers, so not all of them. Under each named verzekeringsconcern, there are several verzekerers, see zorgwijzer.nl for more info on this.

There is undercheid in the table between the GGZ (mental healthheid care) and the MSZ (medical specialistische care). In gender care, het obtaining expert opinion, diagnostics and psychische help falls under mental health care. MSZ includes surgery (gender-affirming surgery) and endocrinology (hormone care).

Do you still have questions after theze blog, or zijn things still unclear? Please send Roan an app or email, hij maybe you can helpen! +31 6 12 29 13 63, roan@bo-diversity.com

Disclaimer: theze table was created with information die available on 15-12-2025, there may be other information known zijn in the meantime. So please zelf still do research on this. 

2025 is coming to an end, which means that everyone who is 18 or older needs to take a look at their health insurance! Especially if you are receiving gender-affirming care, or plan to receive it in 2026

This is the moment!

2025 is coming to an end, which means that everyone who is 18 or older needs to take a look at their health insurance! Especially if you are receiving gender-affirming care, or plan to receive it in 2026. Why is this so important? Health insurers sign contracts with healthcare providers, and each insurer decides for them itself which providers they contract.

What happens if you don't do this? You might end up paying unnecessary costs out of pocket. If your health insurer does not have a contract with the healthcare provider where you receive care, you often have to pay part of the costs yourself. By mapping out your healthcare needs and choosing a suitable health insurer, you can save a lot of money.

Good to know: Gender-affirming care (transgender healthcare) is largely covered by the basic health insurance in the Netherlands.

What should you think about and pay attention to?

Find out which gender-affirming care you want or expect to receive in 2026, and which healthcare provider(s) will deliver this care.

Check the website of the healthcare provider(s) to see which health insurers they have contracts with for 2026.

Is the provider you want to use not yet contracted? Contact your health insurer for more information, and also check with the provider themselves for clarity.

Compare different health insurance plans using an independent comparison website such as Zorgwijzer.co.uk.

Based on the previous steps, decide which health insurer best fits your healthcare needs.

Important dates:

December 31: Last day to cancel your current health insurance.

January 31: Last day to take out a health insurance policy for 2026.

Our tips

We generally recommend a combination policy with free choice of provider. This usually allows you to choose your own healthcare provider, even if your insurer does not have a contract with them. This is especially useful if you do not yet know which provider you will receive care from, or if you are registered with multiple providers. Without free choice, you risk that care from a specific provider will not be reimbursed, or that you will have to pay more yourself. Depending on your insurer, their contracts, and the type of care (e.g. mental healthcare or specialist medical care*), part of the costs may come out of your own pocket. Non-contracted mental healthcare is often partially reimbursed; the exact amount depends on the insurer and the chosen policy.

Set your deductible to €385 and enable payment in instalments, so you pay your deductible spread out over time. If you end up not using it, you will get this money back at the end of the year. This helps prevent having to pay a large amount all at once.

Do you have a low income? You may be eligible for healthcare allowance. You can check and apply for this via the Dutch Tax Authority (Belastingdienst).

You can also look into how ethical and sustainable your health insurer is. Health insurers sometimes invest their money in the arms trade or fossil fuels, which is harmful to the world. You can research this via eerlijkegeldwijzer.nl.

* Mental healthcare (GGZ): because reimbursement differences within mental healthcare are relatively small, you can decide for yourself whether a policy with free choice is relevant. This type of care includes expert opinions, diagnostics, and psychological support.
* Medical care specialist (MSZ): if you want or receive surgical or hormone care but do not yet know where, choose a policy with free choice. Reimbursement is usually high and you often do not have to pay anything yourself. This includes surgical care and endocrinology (hormone treatment).

Before taking out a health insurance policy, make sure to do your own research as well! Choose the insurer that best fits your healthcare needs.

What can I choose?

We have researched the most commonly used gender-affirming care providers and health insurers for you, including their contracts.

We selected a number of the largest health insurers and gender-affirming care providers, but not all of them.

Each insurance group includes multiple insurers; check Zorgwijzer.nl for more information.In the table, a distinction is made between mental healthcare (GGZ) and specialist medical care (MSZ). Within gender-affirming care, expert opinions, diagnostics, and psychological support fall under GGZ. MSZ includes surgery (gender-affirming surgeries) and endocrinology (hormone care).

Disclaimer: this table was created using information available on 15-12-2025. New information may have become available since then. Always do your own research as well.

Do you still have questions after reading this blog, or is something unclear? Feel free to send Roan a message or an email he may be able to help you further!