You solely have a number of days to acquire a brand new medical insurance plan for 2023. What’s vital to you, the bottom doable worth, probably the most in depth protection or one of the best coverage situations?

Both method, earlier than you resolve, we want to share with you the six finest saved secrets and techniques of Dutch medical insurance.

Let’s dive proper in.

1. There’s a cheaper various throughout the similar firm

There’s a cheaper various inside each massive insurance coverage firm. So, when you at the moment have the essential insurance coverage package deal from Zilveren Kruis, CZ, VGZ or Menzis, there are a great deal of alternatives to avoid wasting cash in 2023.

4 examples:

• Change from Zilveren Kruis to ZieZo ⇒ Saves € 108
• Change from CZ to Simply ⇒ Saves € 47
• Change from VGZ to United Shoppers ⇒ Saves € 66
• Change from Menzis to VinkVink ⇒ Saves € 114

2. Some insurance policy are full of free extras

Insurance coverage corporations pull out all of the stops to tell apart themselves from the competitors. A low worth and good protection alone is now not sufficient. That’s why a number of insurance coverage corporations provide plenty of free extras with their fundamental plan.

Fashionable examples embody:

• A private well being test
• A free app that permits you to instantly textual content a medical skilled
• A way of life program with money incentives
• Free accident insurance coverage
• Reductions at gyms and well being golf equipment

However how have you learnt which plans have one of the best extras on your state of affairs?

Zorgwijzer’s English comparability instrument offers you a stable overview of all of the plusses and minuses per medical insurance plan.

Test it out for your self

3. Going for added insurance coverage doesn’t at all times make sense

In some instances, it’s less expensive to easily go together with a fundamental insurance coverage plan and ignore the supplemental insurance policy. Simply pay for sure therapies your self.

This may very well be the case for reimbursements like:

• Glasses and get in touch with lenses
• Yearly dentist check-ups and dental cleanings
• Braces and different orthodontics
• Different healthcare therapies, like acupuncture and chiropractic care

You may test for your self if sure supplemental insurances are worthwhile or not.

Simply observe these steps when selecting a supplemental plan:

1. Calculate the full worth of reimbursements that you just count on to obtain subsequent yr.
2. Subtract this quantity with the full premium that’s due for the extra plan.
3. Is the consequence detrimental? You then gained’t profit from an extra insurance coverage.

4. Most insurance coverage corporations will instantly settle for you

Medical health insurance corporations have an obligation of acceptance for his or her fundamental medical insurance plans. This implies the insurer just isn’t allowed to refuse your insurance coverage request, based mostly in your age, background, healthcare state of affairs or gender.

So if even when you want a substantial amount of healthcare or costly remedy, you’ll at all times be accepted, even when it’s the least expensive or most in depth fundamental plan.

For probably the most half, the identical state of affairs applies for supplemental insurance policy.

Some exceptions apply:

• Dental protection above 500 euro
• Limitless physiotherapy
• Orthodontics

For these coverages, a ready time of 1 yr or medical choice is perhaps demanded, which can result in non-acceptance.

5. You too can select a plan in January

Many individuals have no idea that it’s doable to decide on a brand new insurance coverage plan subsequent January.

So, in truth you could have an entire month further to match a medical insurance (in Dutch, that is known as: zorgverzekering vergelijken).

The one vital factor to utilize that is to make it possible for your present insurance coverage plan is cancelled earlier than the tip of the yr.

6. You get a 14 day reflection interval

Are you going to vary your medical insurance for 2023? You then at all times have a 14-day reflection interval in which you’ll cancel your determination without cost and for free of charge. Simply bear in mind that this solely applies for those that use the web or cellphone to shut their insurance coverage plan.

Nonetheless don’t know what to decide on? Right here’s a instrument that can assist you to discover the finest and least expensive medical insurance in 2023.