What does an STI test cost? Short answer: between 0 and around 200 euros, depending on where you test and whether you fall into a risk group. At the Dutch sexual-health clinic (GGD) an STI test is sometimes free, at the GP you often pay lab costs from your deductible, and a home test starts around 35 euros for a single test. Below you'll see what you actually pay per route.
The biggest confusion sits at the GP. The consultation is free, but the laboratory costs of the test fall under your deductible. Many people are caught out afterwards by a bill they didn't expect.
What does an STI test cost on average?
An STI test costs on average between 0 and 200 euros. The price depends on three things: where you test, how many STIs you test for, and whether you pay through your insurer or anonymously. A single chlamydia test is the cheapest, a full panel with blood work the most expensive.
Below we break it down per provider so you don't hit surprises.
Is an STI test free at the clinic (GGD)?
At the GGD an STI test is free if you fall into a risk group. That includes people under 25, people with symptoms, men who have sex with men, and anyone warned by a partner. If you fall outside those groups, the GGD usually refers you to your GP.
So the GGD is meant as a safety net for higher-risk situations, not a free route for everyone. Soa Aids Nederland describes the current conditions per situation (soaaids.nl). Note too that since 2025 the GGD no longer routinely tests chlamydia in people without symptoms.
Is an STI test reimbursed by health insurance?
An STI test through the GP is reimbursed from the basic insurance, but the lab costs come out of your deductible first. In 2026 that mandatory deductible is 385 euros (Rijksoverheid). If you haven't used your deductible yet this year, you effectively pay for most of the test yourself.
The GP consultation itself costs nothing, because GP care sits outside the deductible. It's the blood or urine tests the lab runs that count. Expect roughly 30 to 150 euros in lab costs, depending on how many STIs are tested.
An anonymous home test or a test at a private clinic you always pay yourself. It doesn't run through your insurer, so nothing comes off your deductible and nothing appears in your insurance overview.
STI test costs per route compared
Here are the four routes side by side. The amounts are 2026 guide prices and can vary per provider, but the proportions hold.
- GGD clinic - free if you fall into a risk group, otherwise a referral to the GP
- GP - consultation free, lab costs roughly 30 to 150 euros from your deductible (385 euros in 2026)
- Home test - from around 35 euros for a single test, a full panel around 100 to 160 euros, self-paid and anonymous
- Private clinic - often 100 to 200 euros for a complete screen, self-paid
If you want a targeted, cheap test, a single chlamydia test is often enough. If you want broader certainty, a full STD screen gives you everything in one go.
When is each route best value?
The cheapest isn't always the smartest. It depends on your risk, your need for privacy, and whether you've already used your deductible. A few rules of thumb help.
- If you fall into a risk group, the GGD is almost always best value
- If you've already used up your deductible this year, the GP route costs you little extra
- If you want nobody to know, an anonymous home test is worth paying for yourself
Our experience: people often pick the GP because it seems free, and overlook the deductible. Anyone who values privacy is sometimes cheaper off with a home test than they expect.
In short: how to decide your cost
What an STI test costs is largely down to the route you choose. Free at the GGD if you fall into a risk group, lab costs from your deductible at the GP, or a fixed self-paid amount at a home test or clinic. Still unsure whether testing without symptoms is worth it, read whether an STI test without symptoms is worthwhile. Prefer to test at your own pace, see how an at-home STI test works.
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