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With 39.1 percent of domestic health insurance claims paid in Europe, the Netherlands has by far the highest share of claims paid. In the Netherlands, private health insurance is mandatory. Insurance companies in the Netherlands must offer a universal healthcare package at a fixed price for all ages and status of health. In 2019, health benefit claims paid on the insurance market in the Netherlands amounted to over 49.37 billion euros.

Germany

Germany, which has the oldest social health care system in the world, runs a statutory health insurance plan. Those employed pay 50 percent of their insurance directly from their wages, with the company picking up the rest of the bill. Those who are self-employed must pay for the complete cover.

Gross direct premiums

In terms of gross direct premiums in the health insurance market, the Netherlands and Germany also make up the highest share in Europe. In total, the value of health premiums written in the European health insurance market amounted to over 172 billion euros in 2020.

Market share of health benefit claims paid on the European domestic insurance market in 2020, by country

Characteristic	Market share
Netherlands	39.1%
Germany	23.1%
France	14.1%
Switzerland	6%
Spain	5.3%
United Kingdom	3%
Belgium	1.6%
Italy	1.4%
Austria	1.1%
Sweden	1.1%
Norway	0.6%
Finland	0.6%
Greece	0.5%
Turkey	0.5%
Portugal	0.5%
Denmark	0.4%
Slovenia	0.4%
Czechia	0.2%
Luxembourg	0.2%
Cyprus	0.1%
Poland	0.1%

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Release date

August 2022

More information

Region

Europe

Survey time period

2020

Supplementary notes

Domestic market.
Latvia, Slovakia, Romania, Hungary, Iceland, Estonia, Malta, Croatia, Bulgaria, Ireland and Lithuania claims paid equally to less than 0.1 percent of the market share, so were not included in this statistic.

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