What we do not do
- We do not arrange health insurance
- No premium comparison
- No advice on packages
Affordable health insurance that suits you
Finass Verzekert does not act as an intermediary for health insurance. What we do here is explain where policies really differ, so that you can make an informed choice yourself.
- 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
- 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
The content of the basic health insurance is laid down by law and is therefore the same at every insurer. So anyone looking for an affordable policy compares not the content but the premium, the policy form, the contracted care providers, the excess chosen and the supplementary cover.
With an in-kind policy the insurer pays for care from providers it has a contract with. If you go to a non-contracted provider, you normally do not get the full amount back. With a reimbursement policy your freedom of choice is greater and the premium usually higher. So always check whether your own hospital or practitioner is contracted.
Finass Verzekert advises on and arranges non-life insurance. Health insurance falls outside that: we do not arrange it and we do not compare it. What is reimbursed is set out in the policy conditions, the insurance card (verzekeringskaart) and the Zorgverzekeringswet (the Dutch Health Insurance Act); those documents are decisive, not an advertisement or a comparison score.
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 with your health insurance?
Three cards showing where our role ends and where the health insurer's begins.
What to look out for
The points on which policies really differ from each other.
- Benefits in kind, reimbursement or a combination
- Contracted providers
- Supplementary cover and waiting period
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 |
|---|---|---|
| Taking out the basic insurance | No | Yes |
| Acceptance for a supplementary package | No | Yes |
| Contracting hospitals and practitioners | No | Yes |
| Decisions on reimbursement | 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
- Type of policy: in-kind, reimbursement or a combination determines your freedom of choice
- Contracted providers: is your hospital or practitioner on this year's list
- Excess: a voluntary excess lowers the premium and increases what you pay yourself
- Additional cover: maximum reimbursements, waiting periods and acceptance conditions
- Healthcare allowance: an income-related contribution that you apply for from the Belastingdienst (the Dutch tax authority)
- Payment term: paying a year in advance gives a discount with some insurers
This overview is general in nature and is not personal advice.
How it works
- You determine your use of careLook at your regular practitioners and the care you actually use.
- You check the list of contractsCheck for each insurer whether your hospital or practitioner is contracted.
- You read the conditionsThe policy conditions and the insurance card state the limits and the waiting periods.
- 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.
Where things go wrong in practice
Four points that weigh more heavily than the difference in premium between providers.
The cheapest policy is the narrowest
A lower premium almost always goes together with less freedom of choice: fewer contracted providers, a voluntary excess or a more limited supplementary package. That can be a sensible choice if you use little care, but not if you have a regular practitioner who falls outside the contract.
Non-contracted care is not reimbursed in full
With an in-kind policy, care from a non-contracted provider is normally reimbursed only in part. You pay the difference yourself, and with a course of treatment that can mount up considerably. Check for each insurer and each year whether your hospital, mental health institution or physiotherapist is on the list of contracts; that list changes.
The supplementary package has limits
Unlike the basic insurance, there is no obligation to accept you for supplementary cover. Health questions may be asked and there are often maximum reimbursements per year, a waiting period or an exclusion for existing complaints. Work out what you actually use; above the maximum you pay everything yourself.
The excess does not apply everywhere
The compulsory excess does not apply to all care: GP care, midwifery and maternity care fall outside it, among others, as do reimbursements from supplementary insurance. Anyone choosing a voluntary excess lowers the premium but pays more themselves when using care. Only do that with a reserve to fall back on.
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.
Does the basic package differ from insurer to insurer?
No. The content of the basic insurance is laid down by law and is therefore the same everywhere. What does differ is the premium, the type of policy, which care providers the insurer has a contract with and how the service is organised. So compare on those points and not on the basic package itself.
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. This page only explains the system. For an application or a question about reimbursement, contact the health insurer itself or a comparison service for healthcare.
What is the difference between in-kind and reimbursement?
With an in-kind policy the insurer pays for care from providers it has a contract with; outside that contract you normally receive partial reimbursement. With a reimbursement policy the choice is wider and the premium usually higher. There are also combination policies where this differs by type of care.
Is a voluntary excess worthwhile?
That depends on your expected use of care and on your reserves. The premium falls, but you pay more yourself when you use care. Anyone using chronic care or expecting treatment will almost certainly end up with the higher personal payment. Only choose this if you can absorb the amount without borrowing.
When can I switch?
In principle around the turn of the year: you cancel with effect from the end of the calendar year and then choose a new insurer, which has to accept you for the basic insurance. That obligation to accept does not apply to the supplementary package, so arrange that at the same time and not only after cancelling.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Can a health insurer refuse you?Duty to accept, basic insurance, supplementary
- 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.