What we don't do
- No advice on basic or supplementary Cover
- No brokerage or application
- No input or authorizations
Health Insurance Act · duty to Accept · switching
Health Insurance: how the system works
We assure; we do not act as intermediaries in health insurance. Here you can read how the system works, so that you can make a well-founded choice at your health insurer.
- several Insurers compared objectively
- 9.5 customer rating for a New policy
- AFM license 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands · Deutsch · Українська · 中文
The calculator and the quote form below are in Dutch. Prefer to do this in English? E-mail info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
- We compare the offerings of several Insurers
- An advisor 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.
In letter
Finass Insures has an AFM license for general insurance. Health insurance falls under a different license category: we do not advise on it and do not act as intermediaries for it. You arrange that directly with a health insurer.
Anyone living in the Netherlands or paying payroll tax here is required under the Healthcare Insurance Act (the Dutch Health Insurance Act) to have basic health Insurance. A duty to Acceptapplies to it: an insurer may not refuse you on grounds of age, health or medical history. That duty does not apply to supplementary Insurance.
The basic package is set by the government and is the same at every insurer. The differences lie in the premium, the type of policy, the Contracted care providers and the supplementary packages. You can switch at the turn of the year: you cancel with effect from the end of the calendar year and choose a new insurer in January, who assures you from 1 January.
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?
How the roles are divided between our office and your health insurer.
What to look out for
The points that make the difference when comparing.
- benefits in kind, reimbursement or a combination
- Contracted care providers
- Acceptance for supplementary Cover
What we do provide
The risks that need to be covered alongside healthcare.
- Personal liability
- Income in the event of disability
- Sickness absence and carrying the WGA risk
What is covered
| Situation | At Finass Insures | With your health insurer |
|---|---|---|
| Taking out, changing or canceling basic health insurance | No | Yes |
| Supplementary Cover and dental packages | No | Yes |
| Authorization, claiming and reimbursement of care | No | Yes |
| Personal liability Insurance (AVP) | Yes | No |
| disability insurance (AOV) for Self-employed people | Yes | No |
| Sickness absence Insurance and carrying the WGA risk | Yes | No |
What your health Insurance pays is set out in the policy conditions and the Insurance card (insurance card) or your health insurer.
Where things go wrong in practice
Four points that determine whether you pay a bill yourself or have it reimbursed.
The duty to accept applies only to basic health Insurance
A health insurer has to Accept you for basic health Insurance whatever your state of health. For supplementary Insurance there is No such duty: there an insurer may ask for a health declaration, apply a waiting period, exclude conditions or refuse you. Check those conditions before you cancel.
In-kind policy: not every care provider is contracted
With a benefits-in-kind policy your insurer pays for the care it has bought in from contracted providers. If you go to a clinic or therapist without a contract, you usually get only part of the bill and pay the rest yourself. With a reimbursement policy the choice is wider. Contracts are concluded again every year: check each year whether your practitioner is still on the list.
What the basic package does not Cover
Outside the basic package are, among other things, routine dentistry for adults, alternative medicine, must glasses and Contact lenses and cosmetic procedures without a medical indication. Physiotherapy for adults is only reimbursed for designated chronic conditions, and then only after a number of sessions at your own expense. On top of that there is a compulsory excess and sometimes a Personal contribution.
Health Insurance is no substitute for liability and income cover
Health insurance pays for treatment, not for the consequences. If you hurt someone else, that is recovered from you under Article 6:162 of the Dutch Civil Code; an liability Insuranceis there for that. If you are a Self-employed professional and are unable to work, health insurance pays no income; a Disability insurance.
What to look out for when comparing
- Type of policy: Benefits in kind, reimbursement or a combination
- Contracted care: is your practitioner on the list
- Additional packages: maximum reimbursements per item
- Acceptance for supplementary Cover: health questions or a waiting period
- Excess: the compulsory part plus a voluntary increase
- A group scheme or discount: work out what it saves net
This overview is general in nature and is not Personal advice.
How it works
- You compare yourself or through a comparison siteThe basic package is the same everywhere. The premium, type of policy and supplementary Cover are not.
- You take it out with the health insurerThe application, acceptance and administration run directly through that party.
- You check the documentsPolicy conditions, the schedule of reimbursements and the list of contracted providers.
- We look at the restLiability, income, absence of sickness and your other general insurance.
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.
Frequently asked questions
This is what people ask us most.
Can I take out my health Insurance through Finass Verzekert?
No. Our AFM license covers general insurance; health falls under a different category. We do not advise on it and do not act as intermediaries for it. You take out basic and supplementary cover directly with a health insurer. For liability, income, absence of sickness and your other general insurance you can come to us.
May a health insurer refuse me?
Not for basic health Insurance: there is a duty to accept, whatever your age, health or medical history. For supplementary Insurance an insurer may ask medical questions, impose a waiting period, limit cover or turn you down. Ask for those conditions before you cancel your current policy.
When can I switch?
Around the turn of the year. You cancel your policy with effect from the end of the calendar year and then have a short period in January to choose a new insurer, who assures you from 1 January. Outside that you can only switch if your insurer changes the premium or the conditions mid-term.
How do I check what is changing for me?
Read three documents: the policy conditions with the schedule of reimbursements, the Insurance card (insurance card) with the main points on one page, and the list of Contracted care providers. Changes to the basic package are set nationally and published by central government; changes to your supplementary cover appear only in your insurer's documents.
Read more
Within Financing
- Financingthe main page
- Health insurance and preventive care why coverage is important
- Assessing your health Insurance: what should you look at?
- How to find affordable health insurance that meets your needs
- Can a health insurer refuse you?
- How technology is revolutionizing health insurance claims
- Investing yourself: we refer you on
Similar pages
Do you need advice on your Non-life insurance?
Call or email us; for health Insurance we refer you to your health insurer.
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 license, Chamber of Commerce and Kifid details and our complaints procedure at the foot of every page.
This page was written and checked by an advisor at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not Personal advice.