A Dutch basic healthcare insurance includes the complete obstetric healthcare from a midwife and the standard ultrasounds. The NIPT test or combination test will not be reimbursed. Also a fun scan, like a gender determination scan or 3D/4D ultrasound, will not be reimbursed.
A homebirth will be completely reimbursed. If you want to deliver in the hospital without a medical indication, your healthcare insurance can charge a contribution. Check your policy what the contribution will be.