Low-cost health insurance from municipality

The municipality has arranged for a low-cost health insurance for people in The Hague with a low income. This is the Hague health insurance. You will then have a comprehensive insurance policy with VGZ.

You are always welcome. Even if you are already receiving care or need care. Children under the age of 18 are insured free of charge under their parent’s policy. A standard health insurance is legally required in the Netherlands. The Hague health insurance at VGZ takes effect on 1 January 2024.

Are you already insured with VGZ and do you meet the conditions? Then you can switch to the Hague health insurance at VGZ at any time in the year.

Conditions for applying

The conditions for the Hague health insurance:

  • You live in The Hague.
  • You are not allowed to be a HBO/WO student and receive study financing.
  • The assets of a family may not be higher than € 15,150.
  • The assets of a single person may not be higher than € 7,575.
  • Your income and assets may not be higher than 150% of the benefit norm (bijstandsnorm). In the table under ‘Fees’ you will find the standard amounts and premiums at VGZ.
  • You are not allowed to have any debts with your current health insurance company. More information can be found under the section ’Difficulty paying’.

Choose the right package

You can choose between 2 packages:

  • Het VGZ Den Haagpakket. Offers security if you have high healthcare costs. For example at the dentist or orthodontist. Or if you often need to go to a medical specialist.
  • Het VGZ Den Haagpakket compact. Choose this package if you have low healthcare costs. For example, if you have few extra costs for the physiotherapist or dentist. 

Assistance in choosing the package

Answer 8 short questions in the Begin link: Haagse zorgverzekering keuzehulp, end link. (in Dutch). And get advice on which package would be best for you.


VGZ Den Haag compact package

Choose this package if you do not use a lot of healthcare.
The advantages:

  • 9 physio treatments
  • € 200 towards courses on staying healthy
  • € 250 for dental care (for example, a check-up)
  • footcare € 100 and € 70 for shoe insoles
  • 1 time per 3 calendar years € 100 for glasses or lenses
The deductible is not insured. The municipality does not contribute to your premium.

VGZ Den Haag package (most popular)

Choose this package if you regularly need healthcare.
The advantages:

  • 20 physio treatments
  • € 400 towards courses on staying healthy
  • € 500 for dental care and € 2,500 for orthodontics (for example, braces)
  • foot care € 300 and € 125 for shoe insoles
  • 1 time per 3 calendar years € 125 for glasses or lenses
  • your personal healthcare contribution under the Begin link: Social Support Act (Wmo), end link. will be reimbursed
  • you do not need to pay the bills in advance
Extra advantage: The deductible is fully insured. The municipality contributes to your premium. This depends on your financial situation.

Prevention budget

In addition to the advantages you get extra reimbursements with both packages from a prevention budget. For example for a lifestyle programme or a get better sleep course. You can read more about the Begin external link: prevention budget(External link), end external link.. You can spend:

  • VGZ Den Haagpakket € 400 per year
  • VGZ Den Haagpakket Compact € 200 per year


  • The fees for the Den Haagpakket compact are € 171.65.
  • From 18 years to retirement (AOW) age you pay for the VGZ Den Haagpakket:

21 years to retirement (AOW) age

income and assets to single person single parent family contribution by municipality monthly premium
110% € 1,342 € 1,725 € 1,917 € 20 € 204.50
130% € 1,586 € 2,039 € 2,266 € 10 € 214.50
150% € 1,830 € 2,353 € 2,614 € 0 € 224.50

Retirement (AOW) age or older

income and assets to single person single parent family contribution by municipality monthly premium
110% € 1,606 € 1,925 € 2,183 € 30 € 194.50
130% € 1,898 € 2,275 € 2,579 € 10 € 214.50
150% € 2,190 € 2,625 € 2,976 € 0 € 224.50

Do you have difficulty paying?

Has a medical bill come at a bad time? Or do you face serious payment problems? Look at the SBegin external link: ervice and contact page for VGZ(External link), end external link.. Here you can read how VGZ can help you find a solution.

Other health insurance companies can also help customers who have fallen behind in their payments. Would you like to switch to The Hague’s health insurance at VGZ? Look together with your current health insurance provider at how you can make your payments.

Do you have difficulty paying or do you have other questions about money matters? The Helpdesk Geldzaken at the Municipality of The Hague can help you. Begin external link: Make an appointment(External link), end external link. or visit 1 of the Begin external link: locations of the Helpdesk Geldzaken(External link), end external link..


The municipality will check every year whether you are eligible for the Hague health insurance at VGZ. Always provide the correct information in your application.

You can register at Begin external link: www.gezondverzekerd.nl/denhaag(External link), end external link..


With the municipality: for questions or help with your application

Call Begin link: SZW customer service, end link. to make an appointment to come by.

Take these documents with you to the appointment:

  • a valid proof of identity for all family members you would like to register
  • your DigiD (if you have it)
  • proof of your net income, such as a salary statement for you and your partner (if you have one)
  • copy of a recent bank statement
  • an overview of the healthcare you received over the past year. For example, a list of medications or the number of treatments at a specialist

With VGZ: for questions on declarations and reimbursements

Call the free VGZ telephone number: 0800 – 401 01 05.
Or look at the Begin external link: website of VGZ(External link), end external link.. Here you will find more information on what is reimbursed and frequently asked questions by other customers. You can also download an information package.

Also see

Would you like an explanation from a financial trainer on the deductible and personal contribution? Sign up for the workshop Begin link: Uw zorgverzekering en het eigen risico, end link. .


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