Importance of comparing your health insurance

In the Netherlands, everyone who is 18 years of age or older is mandatory to get health insurance. This is a basic insurance plan, which you can complement with various additional insurances. For example, the dentist, but also physiotherapy when the amount in the basic plan is not enough. Although everyone is required to have basic insurance. There are certainly some variations in this regard. So, it is important to compare different insurances. This way, you can be sure that you are properly insured and will not face unexpected costs. Especially for that reason, we have a few reasons for you, why this is essential.

Specific needs

Everyone is unique. So, that also means everyone needs different healthcare. Therefore, it is crucial that your health insurer can meet your needs. This means that you may suddenly have to make a claim for certain care that was not necessary in the past. When you want to claim this care from your insurer, it turns out that they do not cover it at all. Everyone is unique. So, that also means everyone requires different healthcare. So, it is very important that your health insurer is able to meet your needs. This means that you may suddenly have to make a claim for certain care that was not necessary in the past. When you want to claim this care from your insurer, it turns out that they do not cover it at all.

Compare the basic plan

Despite the fact that everyone is required to have a basic plan, There are also differences in this regard. An insurer must comply with a minimum number of treatments, for example for physiotherapy, but there is no maximum. So comparing your health insurance, zorgverzekeringen vergelijken, as we call it in Dutch, is much more than just comparing the monthly cost. You may pay less each month with one insurer, but if you require five extra physiotherapy sessions as a result, it could end up being even more expensive than you thought. So, it’s wise to look further than just the monthly cost.

Compare supplemental insurances

In addition to the basic plan, you can also take out various supplementary insurances. For example, dental insurance, which reimburses a certain amount each year, but also additional treatments for physiotherapy are included. It may therefore be wise to calculate for yourself what it will cost if you decide to insure it or if you choose to pay for it yourself. If you pay 15 euros extra every month, but eventually you only need 2 extra sessions of 50 euros, it is better to pay for them yourself than to decide to take out extra insurance for this. So take a good look at what healthcare you require and what your insurer covers in the basic plan. Based on this, you can decide whether it might be useful to switch to another insurer or whether your current insurance company is the best option for you.