What we do not do
- We do not arrange health insurance
- No premium comparison
- No advice on packages
Basic package · type of policy · supplementary cover
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.
Deze pagina in het Nederlands: Een betaalbare zorgverzekering die bij u past.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
Three cards showing where our role ends and where the health insurer's begins.
We leave everything to do with health insurance to the health insurer itself.
The points on which policies really differ from each other.
What you can come to us for.
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.
Four points that weigh more heavily than the difference in premium between providers.
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.
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.
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 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.
This overview is general in nature and is not personal advice.
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.
This is what people ask us most.
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.
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.
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.
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.
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.
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.
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 written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
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Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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