Why JoHo Insurances?

JoHo is one of the few organisations in the Netherlands where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialised insurance.

JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

When you purchase an insurance policy through JoHo, you with not pay anymore than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will pay even less.

JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organisation who has an established relationship with the insurer.

ONVZ Basic Health Insurance

Basic Health Insurance or called Basisverzekering

If you are obliged to have this insurance, we can help you arrange this. This insurance company is one of the few insurers in The Netherlands that offers infomration regarding the Basisverzekering in English. That must be very helpful!

Should you wish to read more about the Dutch Health System and certain aspects of the Basisverzekering, we want to refer to this information.

Yearly changes

Dutch Public Health Insurance is for residents in the Netherlands, and everyone working and paying for social security in the Netherlands. The compulsory excess for 2017 will be €385,-. You have the option to choose an extra voluntary excess of €100,-, €200,-, €300,-, €400,- or €500,-.

What is a deductible or excess?

Deductible, also known as excess or "own risk", means that you don’t get a refund from the insurance company as long as the costs you make are lower than the deductible. An example to clarify: let’s say that there is a deductible of 200 euros per year. In January and March you need to see a doctor and the expenses are 50 euros for each treatment. You have 100 euros of expenses in total. Because this is lower than your deductible, the insurance company will extract the 100 euros of your deductible and won’t give you a refund. In August you need a surgery, which costs 400 euros. After extraction from your deductible, the insurance company will give you a refund of 300 euros. 
So in other words, until you have reached the amount of your deductible, the insurance company will not provide a refund.  


  • Burgerservicenummer (Social security number, obtainable from the "Belastingdienst")
  • Registration in the city where you live (called BRP which is short for Basisregistratie Personen)
  • Copy of your passport
  • Copy of your resident's permit
  • E-mail us for the requirements for employees of International Institions

The JoHo ONVZ Health Insurance:

  • Health card for all (family) members
  • Direct billing for doctor, farmacy, hospital with your health card
  • Group discount for JoHo Insurances

Apply online for the Dutch Basic Health Insurance (JoHo discount)

JoHo Group discount for expats in the Netherlands: 3% on the Basic insurance, and 7% on the supplements. 

Online offer and application. (Dutch)


JoHo Insurances


Paviljoensgracht 18
2512 BP The Hague (Den Haag)
The Netherlands
Email: info@johoinsurances.org

All insurances on this website can be applied for at JoHo Insurances, e-mail to info@johoinsurances.org or fill in the appropriate application form on this website. For questions and additional information please contact us!