Two-thirds of Dutch citizens support retaining own risk excess

Remarkably, Generation Z (43%) - and especially the youngest age group aged 18 to 24 (52%) - believe that mental healthcare should never be subject to budget cuts. Thomas Oremus, director of a.s.r. health: ‘The pressure on mental healthcare services is significant, and insured individuals often face long waits for appropriate care. We also see a sharp rise in psychological complaints particularly among this youngest group. Lowering the excess would likely increase demand, further extending waiting times. This has a major impact on personal lives and on society, as people are often less able or unable to participate fully in daily life.’

a.s.r. is taking various steps to bridge and reduce waiting lists in mental healthcare. For example, the ‘Care for Yourself app’ enables insured individuals to easily connect with healthcare professionals, such as mental coaches. From 2026, a.s.r. will also proactively reach out to insured individuals on waiting lists. By mediating in mental healthcare waiting lists, insured individuals can be helped on average four months sooner by an alternative care provider. This contributes to reducing waiting times and ensuring access to appropriate care.

The majority of respondents view lowering the excess as a false economy, expecting that the costs will ultimately be passed on through higher premiums. A large majority indicate that they prioritise societal benefit over personal gain. Thomas Oremus, director of a.s.r. health: ‘The research confirms what we have long observed: Dutch citizens want affordable healthcare and understand that the excess plays a role in achieving this. Lowering the excess may seem appealing, but vulnerable groups - such as those on low incomes - are better supported through, for example, a targeted increase in healthcare allowance. This keeps healthcare affordable for those who truly need it, without raising premiums for everyone. A reduction without additional measures would significantly increase premiums and place further strain on the healthcare system.’

Research methodology
The research was commissioned by a.s.r. and carried out by Motivaction among a representative sample of the Dutch population aged 18 to 80. A total of 1,250 individuals were surveyed, including 109 from Generation Z (1996–2010), 285 Millennials (1981–1995), 355 from Generation X (1966–1980), and 478 Baby Boomers (1946–1965). The survey was conducted between 21 and 31 August 2025.