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Humphrey Layton | HumphreyLayton

Is change your concern?

Nov 7th 2015 at 8:43 AM

Every year we have the opportunity to change our health insurance policy. It is very important to annually compare the contents of the basic health insurance and supplementary insurance. But why is it so important? And who determines included features of the health care packages?

Read everything you need to know about switching health insurance policy in 2016.

Basic health insurance – made by the government

In the Netherlands almost everyone obligated to have a health insurance policy. The basic insurance covers about 94% of the average cost of our health care. The most commonly used medicines, and also a visit to the family doctor are reimbursed within the basic health insurance. The health insurance companies cannot refuse a person.

Every year, the government decides the covered basic insurance treatments. On the third Tuesday of September, called “Prinsjesdag” in the Netherlands, the plans are announced. For many citizen an exciting moment. Will the costs in- or decrease? Which treatments will be covered next year?

Changes will affect your wallet

A few of the compensation changes made in the basic health insurance 2016.

• The mandatory excess will rise with 10 Euros. The total amount is 385 Euros.
• No own contribution has to be paid in case buying a hear aid for children.
• Visiting a sports physician is reimbursed.
• Treatment for chronic hepatitis C is included.

Additional insurance – made by the insurer

The basic insurance can be expanded with additional insurance. The covered cost in the chosen package is more expand. But your monthly premium increases. The contents of the packages vary by insurer.

Every 19th of November the new policy fees and policy conditions will be announced by all health insurance companies. From that point, you can compare properly.

Decision time – made by you

Due to the annual changing costs, it is important check your insurance once a year. Select a date on the calendar between 19 November and 31 December. So you can never forget this budget tip.

Every 1st of January 1st new insurance year starts. Do you want to switch policy of company? Until December 31 at midnight changing is easily arranged online.
Until 31 January 2016 a new insurance can be arranged in writing. Please take in mind that this can only be done in case you have cancelled your old insurance before 31 December 2015.

Compare, save and change

Compare means often saving money. But what is the best way to compare?

1. Consider your expected health care posts.
2. How high is the rate of a single, uninsured treatment?
3. How high is my monthly premium if the treatment is insured?
4. Check the packages of all insurance companies easily through a price compare website.
5. Compare the best policy with your current package. Investing little time can save you big money.

Article by Humphrey Layton, Humphrey Layton is a freelance writer who writes on Health Insurance and other Health topics, for more related article topics visit

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