Health insurance with no copayments: pay your premium and forget the rest
Get the whole network of private hospitals, specialists and diagnostic tests with no extra costs. Complete peace of mind.
What does "no copayments" actually mean?
Health insurance with no copayments means that once you've paid your monthly premium, you can use everything included without paying a penny more. Nothing extra for seeing a specialist, having an MRI, going to A&E or being admitted to hospital.
It's the preferred option for anyone who wants maximum peace of mind and predictable healthcare spending.
Why choose cover with no copayments?
Spending you can predict exactly
You pay the same amount every month, no matter how often you see a doctor. Ideal for household and personal budgeting.
Nothing standing between you and care
You'll never think twice about booking an appointment. Copayments, even small ones, can put people off going to the doctor and delay important diagnoses.
Savings if you use it often
If you or your family see doctors regularly, a plan with no copayments works out cheaper than racking up copayments through the year.
Everything included
Appointments, tests, hospital stays, surgery, A&E — all covered with no extra cost. An all-inclusive approach to your health.
What do plans with no copayments cover?
Complete category (no copayments)
- Unlimited primary care
- Every medical speciality
- Full diagnostic tests (blood work, MRI, CT)
- Hospital stays in private hospitals
- Day surgery and inpatient surgery
- 24-hour A&E
- Maternity
- Rehabilitation and physiotherapy
- Mental health
- Telemedicine
Premium category (no copayments + extras)
Everything above, plus:
- Cost reimbursement (freedom to choose your doctor)
- Full dental cover
- International healthcare
- Second medical opinion
Who is this right for?
- Families with children: Children mean a lot of appointments. With no copayments, the cost doesn't climb.
- People with chronic conditions: Regular monitoring with no variable costs.
- People over 50: More frequent use of medical services.
- Anyone who values peace of mind: No surprises and no mental arithmetic every time you see a doctor.
- Frequent users of health services: If you see a doctor more than 6 times a year.
Guide prices for plans with no copayments
| Age | Guide monthly price |
|---|---|
| 25-35 | €60 - €95 |
| 35-45 | €75 - €120 |
| 45-55 | €95 - €160 |
| 55-65 | €130 - €230 |
Prices for complete plans with no copayments. They vary by cover and province.
Is the extra cost worth it?
It depends how much you use it. Do this sum:
(Premium without copayments − premium with copayments) × 12 = the annual difference
If your estimated annual copayments come to more than that difference, the no-copayment plan is cheaper. If they don't, ask yourself whether the peace of mind justifies the gap.
For most families and anyone who sees a doctor with any regularity, the answer is yes.
Compare the best no-copayment plans on the market
Find the plan that gives you full cover with no extra costs, at the best price available for your situation.
[Compare plans with no copayments →]
Not sure whether copayments suit you? Read our comparison guide.