What we do not do
- No advice on the basic package
- No intermediary services or switching
- No statements about your premium
Basic package · policy conditions · switching
We arrange insurance; we do not act as an intermediary for health insurance. Here you can read where the annual changes come from and how to check them yourself.
Deze pagina in het Nederlands: Wat verandert er voor zorgverzekeringen?.
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.
Changes to health insurance come from two sources. The content of the basic package, the compulsory excess and the way the healthcare allowance works are set nationally and are the same at every insurer. The premium, the type of policy, the contracted healthcare providers and the supplementary packages are set by your own insurer .
On this page we deliberately do not quote specific amounts or changes to the package. Those change each year, and an out-of-date figure on a website is worse than no figure. Below you can see where to find the current position and which documents govern.
Finass Verzekert holds an AFM licence for non-life insurance. Health insurance falls under a different licence category; we do not advise on it and do not act as an intermediary for it. For liability, home, motor, income and sickness absence cover you can come to us.
How the roles are divided between our office and your health insurer.
Healthcare falls outside our licence for non-life insurance.
The sources that set out the current position.
The risks that need cover alongside healthcare.
What is covered
| Situation | At Finass Verzekert | With your health insurer |
|---|---|---|
| An explanation of changes to your policy | No | Yes |
| Premium, excess and choice of package | No | Yes |
| Switching or cancelling | No | Yes |
| Personal liability insurance (AVP) | Yes | No |
| Home, contents and motoring | Yes | No |
| Disability and sickness absence | Yes | No |
The current content of your cover is set out solely in the documents your health insurer sends you.
Four steps that give you certainty about what is changing for you.
What is in the basic package , how high the compulsory excess is and how the healthcare allowance works are determined nationally through the Zorgverzekeringswet (the Dutch Health Insurance Act) and the regulations based on it. Your insurer can change nothing about that. The premium, the type of policy, the contracted providers and the supplementary packages it does set itself. If you know which type a change is, you also know where to look.
Your insurer sends an overview of the changes each year. That letter states the main points; the details are in the policy conditions and the schedule of reimbursements. Look out for changed maximum reimbursements in the supplementary cover, new personal contributions and changed conditions for referrals or authorisation. If it changes the conditions to your disadvantage, an opportunity to cancel arises.
Health insurers conclude contracts with hospitals, clinics and therapists each year. With an benefits-in-kind policy they pay for care from contracted providers; with others you usually receive only part of the bill. This list is often only finalised late in the year and is sometimes still adjusted in January. Look up your own practitioner in the insurer's provider search tool before you choose.
News reports summarise and comparison sites calculate with assumptions. Both are useful for orientation, but neither is your contract. What you actually get reimbursed is set out in the policy conditions and on the insurance card (verzekeringskaart), the standardised overview of the main points. If a report differs from your own documents, your documents govern.
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.
The questions we are asked most often about this.
Because premiums, the compulsory excess and the content of the basic package are set each year and an out-of-date figure on a website leads to poor decisions. We also do not act as an intermediary for health insurance. We would rather point you to the sources that are current: your policy conditions, your insurance card (verzekeringskaart) and the official information about the basic package.
The basic package is set nationally under the Health Insurance Act. The central government and the National Health Care Institute publish what is in it each year and what is changing. Your insurer may not add anything to it or take anything out of it; it only determines the premium, the type of policy and which healthcare providers it contracts.
If your insurer changes the conditions or the premium mid-term to your disadvantage, an opportunity to cancel arises. Changes taking effect on 1 January coincide with the ordinary switching period: you cancel with effect from the end of the calendar year and then choose a new insurer. Always check the time limit in your insurer's letter.
No. Our AFM licence covers general insurance; health insurance falls under a different licence category. We do not compare, advise on or act as an intermediary for it. For liability, home, contents, motor and legal expenses cover and their business equivalents we do compare the offers of several insurers.
Call or email us; for your health insurance, go to your own 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.
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.
Verzekeringen:
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Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
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Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
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Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
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Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
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Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
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Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
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Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
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