1. What is the maximum risk I can take?
The mandatory own risk in a basic health insurance hear, will remain in 2017 €385. Insurers will give a rebate on premiums if the mandatory own risk is increased with a voluntary excess amount. This can be in steps from €100 up to €500. The total of own risk €885 amounts.
please Note that with the increase of the own risk on the terms that insurers use.
2. What do I get for an increased own risk?
Discount. Insurers give €250 to €300 discount per year on the premium if you for a maximum own risk choose. In the last ten years, picked up the choice for a maximum increase of own risk €500 fine for 80% of the insured persons, reported to the CPB. For this insured was the discount higher than the cost, the excess has caused.
3. Can I try to save?
That can make you wonder. If you the year unblemished passes and no claim need to make on your own risk, then the premium savings. However, if you do need care that is under the sole risk, then you can be more expensive. As soon as that care costs above the compulsory own risk of €385 hatch, you will pay more than if you do not for an increase of the own risk.
4. What costs fall under the own risk?
- Visits to the family doctor or general practitioner. (medications and blood tests fall under the own risk)
- Delivery, obstetric care and maternity care (Medicines, laponderzoek, chorionic villus sampling, non-invasive prenatal test (SIP) and the ambulance to the hospital for the birth is covered under your own risk)
- the Tools in the loan vakthuiszorg,
- transportation and follow-up of kidney or leverdonoren
- chain care. Care involving different worshippers to work together
- Wijkverpleging
This is the row of costs, that in any case not under the own risk. It depends on the insurer whether there are still other costs to be added.
All the care that is reimbursed from any additional insurance or dental insurance, is also not subject to the deductible. This also applies to care for children under the age of 18 years.
5. What influence does the own contribution the own risk?
No. Certain costs are only partially reimbursed. The part that is not reimbursed, the own contribution. This can apply to both care from the basic health insurance is forever if make from the additional insurance will be reimbursed. The contribution is not deducted from the own risk.
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