Insurance package for private individuals

Not automatically. The package discount applies across the sections together, but an insurer that is keen on a single section may still be better value on its own. So work out the total, including policy charges and insurance premium tax, and only then compare the conditions. A discount on cover that is too limited is not a saving.

Usually yes, but it affects the rest. Each section has its own contract term and the package discount depends on the number of active sections. If you drop below the threshold, the discount on the remaining policies falls. So ask in advance what cancelling a section does to the total premium.

No. Health insurance is a separate, statutorily regulated insurance under the Dutch Health Insurance Act and runs through a health insurer with its own policy and its own statutory excess. It does not fall under a private general insurance package and does not count towards the package discount either.

The insurer assesses that claim solely on the conditions and the excess of the section concerned. The other sections simply continue unchanged. A claim can, however, be taken into account at the annual review of the whole package, for example in the pricing or in the conditions at renewal.