You solely have just a few days to acquire a brand new medical insurance plan for 2023. What’s vital to you, the bottom attainable worth, probably the most in depth protection or the most effective coverage situations?
Both method, earlier than you determine, we wish 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 different throughout the similar firm
There’s a cheaper different inside each massive insurance coverage firm. So, should you at present have the fundamental 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:
- Swap from Zilveren Kruis to ZieZo ⇒ Saves € 108
- Swap from CZ to Simply ⇒ Saves € 47
- Swap from VGZ to United Customers ⇒ Saves € 66
- Swap from Menzis to VinkVink ⇒ Saves € 114
2. Some insurance coverage are crammed with 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 not sufficient. That’s why a number of insurance coverage corporations supply a lot of free extras with their primary plan.
In style examples embrace:
- A private well being test
- A free app that means that you can immediately textual content a medical skilled
- A life-style program with money incentives
- Free accident insurance coverage
- Reductions at gyms and well being golf equipment
However how have you learnt which plans have the most effective extras on your scenario?
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 circumstances, it’s less expensive to easily go together with a primary insurance coverage plan and ignore the supplemental insurance coverage. Simply pay for sure therapies your self.
This could possibly be the case for reimbursements like:
- Glasses and phone lenses
- Yearly dentist check-ups and dental cleanings
- Braces and different orthodontics
- Different healthcare therapies, like acupuncture and chiropractic care
You possibly can test for your self if sure supplemental insurances are worthwhile or not.
Simply comply with these steps when selecting a supplemental plan:
- Calculate the full worth of reimbursements that you just anticipate to obtain subsequent yr.
- Subtract this quantity with the full premium that’s due for the extra plan.
- Is the consequence detrimental? You then received’t profit from a further insurance coverage.
4. Most insurance coverage corporations will immediately settle for you
Medical insurance corporations have an obligation of acceptance for his or her primary medical insurance plans. This implies the insurer shouldn’t be allowed to refuse your insurance coverage request, primarily based in your age, background, healthcare scenario or gender.
So if even should you want a substantial amount of healthcare or costly treatment, you’ll at all times be accepted, even when it’s the least expensive or most in depth primary plan.
For probably the most half, the identical scenario applies for supplemental insurance coverage.
Some exceptions apply:
- Dental protection above 500 euro
- Limitless physiotherapy
- Orthodontics
For these coverages, a ready time of 1 yr or medical choice is likely to be demanded, which can result in non-acceptance.
5. You may also select a plan in January
Many individuals have no idea that it’s attainable to decide on a brand new insurance coverage plan subsequent January.
So, the truth is you’ve gotten a complete month additional to check a medical insurance (in Dutch, that is referred to as: zorgverzekering vergelijken).
The one vital factor to utilize that is to be sure that 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 be able to cancel your resolution at no cost and for free of charge. Simply remember that this solely applies for those that use the web or telephone to shut their insurance coverage plan.
Nonetheless don’t know what to decide on? Right here’s a instrument that may show you how to discover the finest and least expensive medical insurance in 2023.
