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Select the cheapest international health insurance in the Netherlands without a deductible - The Netherlands - Expat Guide to The Netherlands
Netherlands health insurers are known for their high "own risk" expenses - in other words, the excesses - which have to be covered in addition to the regular premium. The LoonZorg is a new and better choice especially for expatriates who want a consistently high level of nursing in the Netherlands without the additional compulsory expense of EUR 385.
LoonZorg, the Netherlands International Health Insurance Company, is discussing the advantages of this uniquely affordable health insurance. Almost everyone who is enrolled as a citizen of the Netherlands is obliged to take out health insurance with a health insurance company in the Netherlands. Contents of this mandatory insurance or the base insurance cover are defined by the Netherlands authorities.
It contains, for example, (partial) insurance for family doctor treatment, motherhood treatment and hospitals. In addition to the obligatory basic health insurance plan, you are free to buy an additional health insurance plan (aanvullende verzekering) to pay for health insurance that is not included in the basic health insurance plan. For example, you can pay for physical therapy or eyecare by registering in a complementary health-pack.
Though the contents or cover of the baseverzekering is exactly the same, the premiums charged by various health insurance funds vary. However, please note that the lower premiums may have greater monetary implications. By 2017, everyone will have to cover the first 385 euros of their health care costs out of their own pockets, as this amount will not be paid for by the Netherlands health insurance fund or the health insurance fund.
In addition to this obligatory benefit, you can also reduce your basic consumption bonus by opting for a basic consumption with an additional deductible. The deductible can be up to 885 euros, which the policyholder must make available before claiming or reimbursing nursing costs. If you are an exhibit, however, you can take out LoonZorg's new No Risk insurance plan, which frees you from having to make the EUR 385 net profit for the year.
LoonZorg provides as an agent the health insurance companies of HollandZorg and CZ. By informing them about the healthcare system and helping them select the right packages, such as No Risk Insurance - the most preferred health insurance we have. The new no-risk insurance applies only to expatriates and has a EUR 97.03 per month bonus.
However, the only two conditions for this specific insurance are that you or your expatriate spouse are employed (self-employed) in the Netherlands. Expatriates who have just entered the Netherlands or are currently established in the Netherlands are considered for the insurance there. LoonZorg's No-Risk insurance provides the following services in supplement to what is already included in the LoonZorg Grundversicherung:
LoonZorg's preferential tariffs are calculated on the fact that the mean health expenditure of expatriates is lower than that of Netherlands expatriates. For this reason, LoonZorg was able to enter into an arrangement with a large health service company in order to be able to provide them with specialist insurance experts. The health insurance can be terminated every day and has a monthly insurance of 97,03 Euro.
Please note that HollandZorg does not provide additional insurance to this insurance plan. These guidelines are intended for expatriates and/or their partner who work in the Netherlands and do not hold a Netherlands citizenship. It is not permitted to have a Netherlands identity card if you are registered in this parcel.
Register for LoonZorg's No Risk health insurance by completing the online registrationaire. It is also possible for expatriates who wish to take out supplementary health insurance to take out LoonZorg health insurance at a significant rebate. This offer is also valid for expatriates.
Even though these health insurance companies are granted a considerable rebate, it should be noted that these insurance companies are associated with a compulsory deductible. Premiums depend on the amount of the deductible and the supplemental insurance. Reductions amount to seven per cent on the premiums of the base insurance and seven per cent on the premiums of the complementary insurance.