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Insurance-based primary care

Huisarts (General Practitioner)

Consultation is free; the test goes through your annual deductible (€385 in 2026). A full STI panel costs the insurer €150–€400. If you’ve already used your deductible, you pay nothing more.

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Cost
Via insurance deductible
Anonymity
Low
Speed
Appointment usually within a few days
Who can access?
Anyone

Who can access?

Anyone with Dutch health insurance registered with a GP.

What is tested?

By request; usually chlamydia, gonorrhoea, syphilis, HIV. Extra tests added when symptoms warrant.

Locations

Everywhere in the Netherlands: at your own GP.

Pros

  • Familiar provider
  • Treatment and referral via the same route
  • No extra cost if your deductible is already used

Cons

  • Appears in your medical file
  • Insurer sees the claim
  • May feel uncomfortable to bring up