The Dutch Healthcare system works with deductibles (eigen risico). This is the amount you yourself have to cover when receiving treatment. For example if your own risk is €385 and your received surgery cost €1000, you will be billed for €385 only and the rest is taken care of by your health insurance.

You can choose your own deductible level from a variety of options. Currently the lowest deductible is €385 but this can change every year. This government website provides more information about deductible levels (only in Dutch).

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