{"id":15025,"date":"2022-01-13T08:31:00","date_gmt":"2022-01-13T08:31:00","guid":{"rendered":"https:\/\/www.keesdeboekhouder.nl\/what-is-the-healthcare-insurance-premium-zvw\/"},"modified":"2022-01-13T08:31:00","modified_gmt":"2022-01-13T08:31:00","slug":"what-is-the-healthcare-insurance-premium-zvw","status":"publish","type":"post","link":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/","title":{"rendered":"What is the Healthcare Insurance Premium (ZvW)?"},"content":{"rendered":"<section class=\"header-block block\" style=\"background-color: #f4f4f5;\">\n    <div class=\"container h-100\">\n        <div class=\"header-block__wrapper row h-100\">\n            <div class=\"header-block__left d-flex col-12 col-sm-7 d-flex justify-content-center align-items-end\">\n                <img decoding=\"async\" loading=\"lazy\"\n                     class=\"image d-block\"\n                     alt=\"What is the Healthcare Insurance Premium (ZvW)?\"\n                     src=\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg\"\n                     srcset=\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg 1707w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-200x300.jpg 200w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-683x1024.jpg 683w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-768x1152.jpg 768w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-1024x1536.jpg 1024w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-1365x2048.jpg 1365w\"\n                     sizes=\"(max-width: 1707px) 100vw, 1707px\"\/>\n                                <span class=\"image-caption text--small\"><\/span>\n            <\/div>\n            <div class=\"header-block__right d-flex flex-row flex-wrap col-12 col-sm-5 justify-content-start align-items-start align-items-sm-end\">\n                <h1 class=\"title\">What is the Healthcare Insurance Premium (ZvW)? <\/h1>\n                                <div class=\"d-flex col-12 justify-content-start justify-content-md-end p-0\">\n                    <span class=\"label text--small\">Written by: Sanne Paaij<\/span>\n                <\/div>\n                                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"quote-block block\">\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"col-12 col-md-8 offset-lg-1 col-lg-9 offset-xl-2 col-xl-8\">\n                <div class=\"quote-block__quote-wrapper d-flex flex-wrap\">\n                    <blockquote>If you\u2019ve filed your income tax return as an entrepreneur before, you will undoubtedly have come across the term Healthcare Insurance Premium, or ZvW in Dutch. Every year, you pay your ZvW contribution to the Dutch Tax and Customs Administration, in addition to your income tax. But what exactly is this premium and why do you pay it?<\/blockquote>\n                    <div class=\"text--small text--weight-500\"><\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"text-block block columns-1\">\n    <div id=\"\" class=\"deeplink-anchor\"><\/div>\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"col-12 offset-lg-1 col-lg-10 offset-xl-2 col-xl-8\">\n                <div class=\"text-block__text-wrapper rich-text d-block\">\n                    <h3>The Healthcare Insurance Act<\/h3>\n<p>Every year, the Dutch government sets a budget for the total healthcare in the Netherlands. This budget determines how much money is needed to provide everyone in the country with the necessary medical care. In order to be able to pay for all this, the Healthcare Insurance Act was introduced in 2006. This act is to ensure that healthcare remains of good quality and affordable for all. Everyone in the Netherlands who receives an income has to contribute to it. This is done in the form of the monthly premium you pay to your health insurer of choice, and by paying a Healthcare Insurance Premium.<\/p>\n<h3>Amount of contribution depends on income<\/h3>\n<p>How much your contribution to the ZvW is depends on your income. As an entrepreneur, you pay a contribution based on your profit. If you work under an employment contract, your employer is responsible for paying the Healthcare Insurance Premium. So as an employee, you don\u2019t have to take this contribution into account. But as a self-employed professional it\u2019s wise to set aside part of your profit for this. For 2023, the amount you\u2019ll need to pay is 5,43% of your income.<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"image-block block\">\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"image-block__image-container col-12 offset-xl-1 col-xl-10\">\n                <div class=\"image-block__image-wrapper\">\n                    <img decoding=\"async\" loading=\"lazy\"\n                         class=\"image d-block w-100\"\n                         alt=\"What is the Healthcare Insurance Premium (ZvW)?\"\n                         src=\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-scaled.jpg\"\n                         srcset=\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-scaled.jpg 2560w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-300x200.jpg 300w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-1024x683.jpg 1024w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-768x512.jpg 768w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-1536x1024.jpg 1536w, https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/national-cancer-institute-NFvdKIhxYlU-unsplash-3-2048x1365.jpg 2048w\"\n                         sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\n                    <div class=\"rotated-label\">\n                        <label><\/label>\n                    <\/div>\n                <\/div>\n        <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"text-block block columns-1\">\n    <div id=\"\" class=\"deeplink-anchor\"><\/div>\n    <div class=\"container\">\n        <div class=\"row\">\n            <div class=\"col-12 offset-lg-1 col-lg-10 offset-xl-2 col-xl-8\">\n                <div class=\"text-block__text-wrapper rich-text d-block\">\n                    <h3>Maximum contribution<\/h3>\n<p>As said, it can be smart to set aside money to pay the ZvW contribution. Start your year by making an estimation of your profit and use this to calculate your contribution. However, the ZvW premium is capped at a certain income. In 2023, the maximum contribution was limited to \u20ac66.956. No contribution needs to be paid over the amount that exceeds this limit. This means that you pay a maximum Healthcare Insurance Premium of \u20ac3.636 over 2023. Are you also working as an employee under contract? In that case, your employer will pay part of the contribution over your salary and you only pay a contribution over your profit as an entrepreneur up to the maximum income-dependent contribution.<\/p>\n<h3>Paying based on estimate<\/h3>\n<p>You can also opt to pay your ZvW contribution in advance at the beginning of the year, with the amount payable based on an estimate of your profit. To do so, you have to request a <a href=\"https:\/\/www.keesdeboekhouder.nl\/database\/en\/de-voorlopige-aanslag\/\" rel=\"noopener\" target=\"_blank\">provisional assessment<\/a> from the Dutch Tax and Customs Administration. You can pay the premium in one go or in monthly installments. After submitting your annual income tax return, you\u2019ll know if you\u2019ve paid too much or too little ZvW and the difference will be settled.<\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve filed your income tax return as an entrepreneur before, you will undoubtedly have come across the term Healthcare Insurance Premium, or ZvW in Dutch. Every year, you pay your ZvW contribution to the Dutch Tax and Customs Administration, in addition to your income tax. But what exactly is this premium and why do you pay it?<\/p>\n","protected":false},"author":8,"featured_media":19334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-15025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-keep-up-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Healthcare Insurance Premium (ZvW) - Kees de Boekhouder<\/title>\n<meta name=\"description\" content=\"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Healthcare Insurance Premium (ZvW) - Kees de Boekhouder\" \/>\n<meta property=\"og:description\" content=\"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/\" \/>\n<meta property=\"og:site_name\" content=\"Kees de Boekhouder\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-13T08:31:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rob\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/\",\"url\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/\",\"name\":\"Healthcare Insurance Premium (ZvW) - Kees de Boekhouder\",\"isPartOf\":{\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg\",\"datePublished\":\"2022-01-13T08:31:00+00:00\",\"dateModified\":\"2022-01-13T08:31:00+00:00\",\"author\":{\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#\/schema\/person\/b825251843e39da502de2de12c17788d\"},\"description\":\"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.\",\"breadcrumb\":{\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage\",\"url\":\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg\",\"contentUrl\":\"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg\",\"width\":1707,\"height\":2560},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is the Healthcare Insurance Premium (ZvW)?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#website\",\"url\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/\",\"name\":\"Kees de Boekhouder\",\"description\":\"Een team dedicated boekhouders voor de administratie en aangiftes van alle kleine ondernemers in Nederland\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#\/schema\/person\/b825251843e39da502de2de12c17788d\",\"name\":\"Rob\",\"sameAs\":[\"https:\/\/happyhorizon.com\"],\"url\":\"https:\/\/www-backup.keesdeboekhouder.nl\/en\/author\/rob\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Healthcare Insurance Premium (ZvW) - Kees de Boekhouder","description":"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Healthcare Insurance Premium (ZvW) - Kees de Boekhouder","og_description":"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.","og_url":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/","og_site_name":"Kees de Boekhouder","article_published_time":"2022-01-13T08:31:00+00:00","og_image":[{"width":1707,"height":2560,"url":"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg","type":"image\/jpeg"}],"author":"Rob","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/","url":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/","name":"Healthcare Insurance Premium (ZvW) - Kees de Boekhouder","isPartOf":{"@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage"},"image":{"@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage"},"thumbnailUrl":"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg","datePublished":"2022-01-13T08:31:00+00:00","dateModified":"2022-01-13T08:31:00+00:00","author":{"@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#\/schema\/person\/b825251843e39da502de2de12c17788d"},"description":"Understanding the Healthcare Insurance Premium (ZvW) in the Netherlands: its purpose and payment process explained. Read more to find out.","breadcrumb":{"@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#primaryimage","url":"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg","contentUrl":"https:\/\/www-backup.keesdeboekhouder.nl\/wp-content\/uploads\/2023\/09\/taisiia-shestopal-ri72Hm2vNOU-unsplash-3-scaled.jpg","width":1707,"height":2560},{"@type":"BreadcrumbList","@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/what-is-the-healthcare-insurance-premium-zvw\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/"},{"@type":"ListItem","position":2,"name":"What is the Healthcare Insurance Premium (ZvW)?"}]},{"@type":"WebSite","@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#website","url":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/","name":"Kees de Boekhouder","description":"Een team dedicated boekhouders voor de administratie en aangiftes van alle kleine ondernemers in Nederland","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/#\/schema\/person\/b825251843e39da502de2de12c17788d","name":"Rob","sameAs":["https:\/\/happyhorizon.com"],"url":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/author\/rob\/"}]}},"_links":{"self":[{"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/posts\/15025"}],"collection":[{"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/comments?post=15025"}],"version-history":[{"count":0,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/posts\/15025\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/media\/19334"}],"wp:attachment":[{"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/media?parent=15025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/categories?post=15025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www-backup.keesdeboekhouder.nl\/en\/wp-json\/wp\/v2\/tags?post=15025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}