What we do not do
- We do not arrange health insurance
- No comparison of packages
- No mediation in a refusal
Can a health insurer refuse you?
Finass Verzekert does not act as an intermediary for health insurance. What we do here is explain when a health insurer may and may not refuse you, so that you know where you stand.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
For the basic health insurance there is a duty to accept. A health insurer has to accept everyone who is obliged to insure, whatever their age, health, use of care or claims history. There may be no medical selection and, within the same policy variant, no different premium may be charged because you are ill.
For the supplementary insurance that duty does not exist. There an insurer may ask health questions, refuse you, include an exclusion or apply a waiting period. That happens above all with more extensive dental and physiotherapy packages. A refusal for the supplementary part does not affect your right to the basic insurance.
Finass Verzekert advises on and arranges non-life insurance. Health insurance falls outside that: we do not arrange it, do not compare it and give no advice on it. Exactly what is reimbursed is set out in the policy conditions, the insurance card (verzekeringskaart) and the Zorgverzekeringswet (the Dutch Health Insurance Act).
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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Who does what on acceptance?
Three cards showing where our role ends and where the health insurer's begins.
What to look out for
The distinction that determines whether refusing is allowed.
- Basic: duty to accept
- Supplementary: no duty
- Waiting period and health declaration
What we do provide
What you can come to us for.
- Liability and accidents
- Disability and sickness absence
- Home, motoring and business
What is covered
| Situation | At Finass Verzekert | With your health insurer |
|---|---|---|
| Acceptance for the basic insurance | No | Yes |
| Assessment of a supplementary insurance | No | Yes |
| Decisions on reimbursement | No | Yes |
| Handling a complaint about that decision | No | Yes |
| Advice on your non-life insurance | Yes | No |
| Disability and sickness absence cover | Yes | No |
This overview is general in nature and is not personal advice. The exact conditions are set out in the policy of your health insurer.
What to look out for when comparing
- Basic or supplementary: only on the supplementary part may an insurer select
- Health declaration: usual with more extensive dental and physiotherapy packages
- Waiting period: a period during which nothing is yet reimbursed, particularly for dental care
- Exclusion of existing complaints: a condition can be kept outside the supplementary package
- Moment for switching: you can change around the turn of the year, not simply mid-year
- Complaints route: the insurer first, then the disputes body for health insurance
This overview is general in nature and is not personal advice.
How it works
- You read how the system worksThis page distinguishes the basic insurance from the supplementary package.
- You approach the health insurerApplication, acceptance and reimbursement run directly through the insurer.
- You check the conditionsThe policy conditions and the insurance card state waiting periods and exclusions.
- We handle your non-life insuranceFor liability, accidents, disability insurance (AOV) and sickness absence you can come to us.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
When refusal is allowed
Four situations in which the answer is not simply no.
The supplementary insurance carries no duty to accept
Here the insurer may select. A health declaration is permitted, as are refusal, an exclusion for existing complaints or a waiting period during which nothing is yet reimbursed. There are also often maximum reimbursements per year. So compare not only the premium but also the acceptance conditions of the supplementary package.
You are not obliged to insure
The basic insurance is compulsory for anyone living in the Netherlands or paying wage tax here. Anyone who does not fall under that cannot take out the insurance. That is not a refusal but the absence of insurance obligation. For a few groups, such as people with an exemption on grounds of conscientious objection, a separate arrangement applies.
Where fraud has been established
If an insurer establishes fraud, it may end the insurance and can refuse to accept the person again. Registration in a warning system operated by insurers can also follow, which has consequences with other insurers. This is the most important exception to the duty to accept for the basic insurance.
With arrears something else applies
A health insurer may not simply cancel the basic insurance for non-payment. If the arrears mount up, the person is reported to the CAK and an administrative premium applies, collected by withholding. The insurance then remains in force. The problem moves to collection, not to the cover.
Reviewed by the advisory team of Finass Verzekert · LinkedIn
Finass Advies B.V. · AFM licence 12016589 · Chamber of Commerce 37131781
AFM licence for: Adviseren en bemiddelen in schadeverzekeringen particulier, Adviseren en bemiddelen in schadeverzekeringen zakelijk
Last reviewed on
This page was written and reviewed by advisers of a firm licensed by the AFM (Wft). Advice and policies are always handled by an adviser, never automatically.
Frequently asked questions
This is what people ask us most.
May a health insurer refuse me for the basic insurance?
No, apart from a few exceptions. For the basic insurance there is a duty to accept: age, health, use of care or claims history may play no part and medical selection is not permitted. Only where you are not obliged to insure, or where the insurer has established fraud, can acceptance be withheld. A high need for care is therefore never a valid ground for refusal.
And for the supplementary insurance?
There is no duty to accept there. The insurer may ask health questions and on that basis refuse you, include an exclusion or apply a waiting period. That mainly occurs with more extensive dental and physiotherapy packages. A refusal for the supplementary part changes nothing about your right to the basic insurance.
Does Finass Verzekert arrange health insurance?
No. We advise and act as an intermediary in non-life insurance only. We do not arrange health insurance and we do not compare it. On this page we only explain how the system works. For an application, a refusal or a question about reimbursement, contact the health insurer itself.
What if I disagree with a decision?
First make a complaint to your health insurer and ask for written reasons. If you cannot resolve it, you can put the matter to the disputes body for health insurance. For non-life insurance that route runs through Kifid (the financial services complaints institute). That is a different body with a different remit.
Can I switch part-way through the term?
In principle you change around the turn of the year: you cancel with effect from the end of the calendar year and then choose a new insurer. Only in special situations, for example where the conditions change during the year or a group scheme ends, does an earlier opportunity to cancel arise.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Affordable health insurance that suits youBasic package, type of policy, supplementary cover
- Health insurance: how the system worksHealth Insurance Act, duty to accept, switching
- Health insurance and preventive carePrevention, basic package, supplementary
- Saving: what to look out forNo savings intermediation, guarantee scheme, buffer
Read more
Something to arrange in non-life insurance?
We compare what several insurers offer for liability, accidents, incapacity for work and sickness absence.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.