What we do not do
- We do not handle healthcare claims
- We have no access to your medical file
- We do not mediate in a rejection
Technology and healthcare invoicing
Finass Verzekert does not act as an intermediary for health insurance. What we do here is explain factually how the claims process works and why automation changes nothing about what is reimbursed.
- 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 · Deutsch
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.
- 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
You never see most healthcare bills. If your health insurer has a contract with the provider, that provider claims directly through the national electronic claims system. Only for non-contracted care or treatment abroad do you receive the bill yourself and submit it, these days usually through an app or a portal.
Automation speeds up processing and makes your excess and your claims visible in the portal. What it does not do is widen the cover. What is reimbursed follows from the Zorgverzekeringswet (the Dutch Health Insurance Act), your policy conditions and the insurance card (verzekeringskaart). Faster handling of a treatment that is not insured still produces no reimbursement.
Finass Verzekert advises on and arranges non-life insurance. Health insurance falls outside that. We describe here only how the process works. For questions about a rejected claim, contact your health insurer.
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 a claim?
Three cards showing where our role ends and where the health insurer's begins.
What to look out for
What you can check and where you can go.
- Your bills in the portal
- Reasons given for a rejection
- Asking for human intervention
What we do provide
What you can come to us for.
- Reporting a claim and guidance
- Liability and accidents
- Disability and sickness absence
What is covered
| Situation | At Finass Verzekert | With your health insurer |
|---|---|---|
| Processing a healthcare bill | No | Yes |
| Formal and substantive checks on claims | No | Yes |
| Granting authorisation in advance | No | Yes |
| Handling a complaint about a rejection | No | Yes |
| Guidance with a claim on a non-life policy | Yes | No |
| Advice on liability, AOV and sickness absence | Yes | No |
This overview is general in nature and is not personal advice. What is reimbursed is set out in the policy of your health insurer.
What to look out for when comparing
- Contracted care: determines whether the bill is claimed directly or through you
- Authorisation in advance: required for certain care. Without authorisation a rejection follows
- Referral: check whether a referral is needed and whether it is valid
- Insight through the portal: check your bills and the state of your excess
- Processing of medical data: access takes place under the responsibility of a medical adviser
- Objection and dispute: ask for reasons and a reassessment before you start a dispute
This overview is general in nature and is not personal advice.
How it works
- You read how the process worksThis page describes the claims system and the checks on it.
- You check your billsYour claims are shown in the portal or the app of your health insurer.
- You ask for reasonsIf a claim is rejected you ask for an explanation and for a human reassessment.
- 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 determine whether digitisation really brings you anything.
Speed is not cover
A claim processed within a few days is still subject to the same conditions. Treatments that are not in the basic package, care above a maximum payment from the supplementary package and care without the required referral or authorisation are rejected, however smoothly the process may otherwise run.
Checking means access to sensitive data
Insurers check whether claims are justified. Strict rules apply to that: data about your health are special category personal data under the GDPR, and access to files takes place under the responsibility of a medical adviser. So an insurer may not simply look in; ask for an explanation if that nevertheless appears to be happening.
You are entitled to a human assessment
If a claim is rejected entirely automatically, the GDPR gives you the right to human intervention in decisions based solely on automated processing. Ask for written reasons and for a reassessment. Keep the bill, the referral and the correspondence. Without documents an objection becomes difficult.
The complaints route differs by type of insurance
With health insurance you first make a complaint to the insurer and can then go to the disputes body for health insurance. For non-life insurance that route runs through Kifid (the financial services complaints institute). Do not confuse the two: they are separate systems with their own time limits, and a complaint submitted to the wrong body costs time.
Frequently asked questions
This is what people ask us most.
Why do I not see most healthcare bills?
Because contracted care providers claim directly from your health insurer through the national electronic claims system. You see the bill again in your insurer's portal or app and only notice it through your excess. With non-contracted care you do receive the bill yourself.
May an insurer see my medical data?
Only within strict limits. Data about health are special category personal data under the GDPR. Separate rules apply to checks on claims, and access to files takes place under the responsibility of a medical adviser. You can ask the insurer on what basis data have been requested and what has been done with them.
My claim has been rejected automatically. What now?
Ask for written reasons and for a reassessment by a member of staff. The GDPR gives you the right to human intervention in decisions reached solely by automated means. Supply the bill, the referral and any authorisation. If the rejection stands, the insurer's complaints procedure follows.
Does digitisation change what is reimbursed?
No. The cover follows from the Zorgverzekeringswet (the Dutch Health Insurance Act), your policy conditions and the insurance card. Automation makes the process faster and clearer, but it does not extend your entitlements. A treatment that falls outside the package is not reimbursed just because the bill is submitted digitally.
Does Finass Verzekert do anything with healthcare claims?
No. We advise and act as an intermediary in non-life insurance only and have no role at all in health insurance or healthcare claims. We do guide claims on the policies we handle ourselves, such as liability, accidents, disability and sickness absence. For those insurances the disputes route runs through Kifid and not through the disputes body for health insurance.
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
- Affordable health insurance that suits youBasic package, type of policy, supplementary cover
- Health insurance and preventive carePrevention, basic package, supplementary
- Assessing your health insurance: what should you look at?No health insurance intermediation, basic and supplementary, explanation
- Health insurance: how the system worksHealth Insurance Act, duty to accept, switching
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
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. Last updated on .
The information on this page is general in nature and is not personal advice.