With OHRA you decide for yourself

With our health insurance you have freedom to choose your healthcare and your healthcare provider. We’ll pay the bill, so there’s no risk that you’ll have to pay part of the cost later. That’s logical, isn't it? You’d think so, but with many health insurers you’re only allowed to use a healthcare provider with which they have a contract.

And in some cases you have to pay an additional fee if you use a healthcare provider with which there’s no contract. With OHRA you never face an unpleasant surprise later on.

And a surprise

Do you have a healthy lifestyle and is your health a priority for you? Then our free 'OHRA Gezond module' may be a good fit for you. The module pays for you to get a physical exam and advice from a sports physician, a follow-up exam as part of the Personal Health Check, and gives a reimbursement for certain health courses and exercise programs.


Then you’re only a few clicks away from your OHRA Health Insurance. You can arrange the OHRA Health Insurance in just five minutes.

Not from the Netherlands?

We will be more than happy to explain our complex healthcare system to you.

Basic insurance

The basic insurance is the same for all healthcare insurers. The Dutch government decides what the basic insurance must cover. With the 'OHRA Zorgverzekering', you have basic insurance which covers, for example, your general practitioner, the hospital, medication and maternity care. Additionally, you can choose from various types of supplementary insurance, including supplementary dental insurance. The OHRA Health Care Insurance is a refund policy. This means that you yourself choose which doctor, hospital or physical therapist you want to treat you.

Supplementary insurance

Basic insurance covers a large percentage of care, but not everything. That is why OHRA has various types of supplementary insurance. There is always a supplementary insurance to suit your situation. You will receive supplementary insurance coverage on top of your basic insurancecoverage.

OHRA has 8 supplementary insurance packages:

  1. OHRA Zorgverzekerd op Reis 
  2. OHRA Sterk
  3. OHRA Sterk Fysio Meenemen
  4. OHRA Aanvullend
  5. OHRA Aanvullend Fysio Meenemen
  6. OHRA Extra Aanvullend
  7. OHRA Extra Aanvullend Fysio Meenemen
  8. OHRA Uitgebreid

Dental insurance

A large percentage of dental costs for children and young people up to 18 years of age are covered in the basic insurance package. Would you like dental coverage for people over the age of 18?

Then you can choose 2 dental insurances:

  1. OHRA TandenGaaf
    Enables you to set the maximum coverage that we pay for your dental costs each year yourself. You can choose coverage of € 250,- or € 500,-
  2. OHRA Tand Sterk
    Covers 75% up to a maximum amount of € 250,- per year and applies to the following treatments by a dentist and/or dental hygienist