[mrsuprawsm]

I would guess that you are also including "anvullende verzekeringen", additional cover for e.g. dental/glasses/physiotherapy etc in your premium, because if you check a price-comparison site [1], then the majority of insurance policies are in the €110 - €120 range.

The extra insurance (dental/glasses etc) is also a bit of a scam, because the amount covered is often less than or just equal to the premiums that you pay in a given year, and you'd need to also be buying a new pair of glasses every year, always visiting the dentist, and so on. It's probably more economical to simply pay these costs out of pocket.

[1] https://www.independer.nl/zorgverzekering/intro.aspx