Health insurance and preventive care

In part. The basic package contains a number of preventive forms of care, subject to conditions such as a referral or a recognised programme. Other prevention is arranged nationally and runs entirely outside your insurance. What you initiate yourself, such as a general check-up, usually falls under a supplementary package or at your own expense.

That depends on the type of care. GP care is exempt from the compulsory excess; much other care in the basic package is not. Nationally organised population screening costs you no excess because it is not paid for out of your insurance. For your own situation, check the schedule of reimbursements of your insurer.

You can apply, but there is no duty to accept on supplementary insurance. The insurer may ask health questions, impose a waiting period or turn you down. Extending is usually possible around the turn of the year. Compare the extra premium with the maximum reimbursement the package offers. That ratio is not always favourable.

No. Our AFM licence covers general insurance; health insurance falls under a different category. We do not advise on it and do not act as intermediaries for it. We do handle the insurance that matters alongside health cover: liability, home and home contents, motor, legal expenses, and for business owners disability and sickness absence.