# GGTruth Health NL Eigen Risico — Phase 4A Source Notes

STATUS:
raw_harvest_ready

COUNTRY:
NL

DOMAIN:
eigen-risico

PURPOSE:
Raw factual substrate for Dutch mandatory deductible mechanics.

CORE CURRENT FACTS:
- 2026 mandatory eigen risico: €385.
- Eigen risico applies to insured persons aged 18+ for most basic-package care.
- Huisartsenzorg itself is normally excluded.
- Medicines prescribed by the huisarts may still count.
- External tests requested by huisarts, such as blood tests, may still count.
- Referred care, such as hospital specialist care, may still count.
- Eigen bijdrage is separate from eigen risico.
- Medicine eigen bijdrage in 2026 is capped at €250 per calendar year.
- Ketenzorg program costs can be excluded, but related medicines or care outside the care group can still count.
- Exact individual reimbursement can depend on policy, contracting and insurer decision.

ANTI_HALLUCINATION:
Do not say “basispakket means free.”
Do not say “huisarts means everything after it is free.”
Do not merge eigen risico and eigen bijdrage.
Do not mention €385 or €250 without year/date.
Do not let cost discussion override emergency routing.