Choosing the right health insurance
Having a suitable health insurance is important for everyone in the Netherlands. One that meets your specific needs. Also when you’re young. But how do you find the right health insurance for you and what does it involve?
Which health insurance suits you?
As a young person or young adult, you probably have different healthcare needs compared to older individuals. Therefore, it's important to choose a health insurance plan that caters to your specific situation. Some health insurances are specifically designed for young people.
When selecting a health insurance, it's crucial to consider the premium, deductible, and coverage. Compare different health insurance plans to determine the one that best suits you. This includes assessing the coverage of basic healthcare, as well as any additional insurances such as physiotherapy or dental care. By comparing effectively, you can make the best choice.
When should you switch?
Annually, you have the opportunity to switch to a different health insurer. The switching period runs from mid-November until December 31st. This is the time of year when you can decide whether you want to switch to a different health insurance plan. Your current health insurance might no longer meet your requirements or you may have found a cheaper alternative elsewhere.
Keep in mind that you need to cancel your old health insurance before December 31st. Afterward, you have until January 31st to take out a new health insurance. Ensure you take action in a timely manner to avoid being uninsured. Having health insurance is mandatory in the Netherlands.
How much does health insurance cost?
The costs of health insurance can vary depending on various factors. The premium is a significant component of the costs, which is deducted from your account on a monthly basis. It's advisable to consider the premium amount and the coverage you receive in return.
In addition to the premium, there's also the deductible. This is the amount you have to pay out of pocket before your health insurance starts covering costs. The deductible can impact the amount of your premium. Carefully consider which deductible suits you and how it affects the costs of your health insurance.
Comparing health insurance plans is essential to find the best and most affordable option. By comparing diligently, you can save on your premium while ensuring adequate coverage.
Have you recently taken out a new health insurance or have you been a loyal customer to the same insurer for years? In any case, it's important to check whether the healthcare provider you visit is covered by your health insurance. Otherwise, this can result in unexpectedly high costs and you may need to pay substantial amounts. You can easily check this using the tool below.