Mandatory deductible excess

The government determined that the excess for 2012 amounts to € 220.00. This is due to the fact that the healthcare costs increase substantially in the Netherlands. It is obviously unpleasant to have to pay the excess above the payment of hundreds of Euro’s in premium. But without it the premium would increase considerably.

Voluntary deductible excess

Each calendar year you could opt for a voluntary deductible excess in addition to the mandatory deductible excess. These are the various amounts to choose from:
€ 0,-  € 100,- € 200,- , € 300,- € 400,- or € 500,-

An increase in the deductible excess means a decrease in premium. Do you not expect high healthcare costs, then it maybe worth considering choosing a voluntary deductible excess. The amount can be adjusted yearly. The alteration has to be passed on to us before 1 January.

How does it work?

Your claims are first of all set off against the eventual statutory contribution, then set off against the mandatory deductible excess and finally against the voluntary deductible excess (if chosen).

Should your care provider send the invoice directly to us, then the costs will be reimbursed to them in full. We will charge you for the deductible excess and the amount will be debited from your account, should you have a direct debit for premium payments. When you send us the invoice the excess will be deducted from the total invoice amount. The remaining amount will be reimbursed to you.

Exceptions

The mandatory (and voluntary) deductible excess are not applicable for:

• Care provided by your General Practitioner with the exception of laboratory costs
• Care that is covert under your additional insurance or your additional dental insurance
• Care for children up to 18 years of age
• Loaned (medical) assistive divices (with the exception to maintenance costs and user costs)
• Maternity care and obstetric care (with the exception of medication, blood tests, amniocentesis (CVS) or patient transport)
• Care received abroad that has been claimed directly at the CVZ (College voor Zorgverzekeringen) based on the treaty applicable for claiming costs in the visited country. This is only applicable in case you have not directly received an invoice.
• Follow-up for the donor for at least 13 weeks after the period of care to the donor has expired, or of at least 6 months for a liver transplantation.
• Integrated care, funded by the Market Organisation Act Health Policy.