Choose a higher deductible in ten insured – NU.nl

This is contained in a report published Friday Vektis care information.

Each insured person has this year a compulsory excess of 375 euros. But it is also possible to increase that amount voluntarily.

The monthly premium of health insurance will be lower. So is the annual premium in many cases about 50 euros less for every 100 euro extra own risk.

Of all the people who choose not just for a raise, makes slightly more than half the deductible 375 euros full.

Maximum increase

Of the insured with a voluntary excess choose almost 70 percent of the maximum deductible. That equates to a total deductible of 875 euros.

In 2010, over 300,000 insured had the maximum deductible, then 665 euros. This was equivalent to 42 percent of the people who had voluntarily increased their own risk. This year, nearly 1.1 million people a maximum deductible. A percentage of 69 percent.

A voluntary excess of 400 euros on top of the mandatory part is least often chosen (2 percent). An additional excess of 100 is chosen by 12 percent of the group with a voluntary excess.

Benefits

“It is likely that insured only choose a voluntary excess when thereby removing them financial benefit thinking. This is the case when the cost of the insured are lower than the discount on the premium, “writes Vektis.

” In practice, insured with a voluntary excess nevertheless often faced with unexpected costs and make their mandatory or even their full deductible full “

Vektis suggests that the choice of a voluntary excess is not always advantageous,”. 10 percent of the insured a maximum deductible allows the full excess. “

” What is striking is that an increase in the compulsory excess entails a similar increase in the percentage of insured persons with a voluntary excess. “

The voluntary excess increased this year from 360 euros to 375 euros. The percentage of insured persons with a voluntary excess increased from nearly 11 percent last year to nearly 12 percent in 2015.

Additional insurance

Of all the insured has 16 percent additional insurance on top of the basic . Almost always it is a insurance for the dentist.

Earlier this year it was announced that more than 1.1 million customers this year switched to another insurer. That is more than last year. It is about 6.8 percent of all insured.

The four major groups Achmea, CZ, Menzis and VGZ have a total of 89 percent of the market.

More switchers just take a basic

By: Reuters / NU.nl