On top of the basic health insurance, many people choose to have extra care insurance(s). This is called in Dutch: ‘aanvullende zorgverzekering’. Or a dental package, in Dutch: ‘tandverzekering’.
The basic health insurance covers many care costs. Like all visits to the family doctors – huisarts. Care for kids, and many special care costs (above your own risk). But not everything. Contraceptives, like the pill, or for example physiotherapy and homeopathic treatments, and much more types of special care, you can insure with an extra health insurance.
Extra Health Insurance
These insurances cover care costs that are not insured within the basic insurance package which is the same for all people. For example: physiotherapy or homeopathic treatments. Different health insurances offer different packages. It is a free market, you can choose which insurance you like (and want to pay for). The costs covered by these packages are not within the own risk.
A dental health insurance covers dental care like the appointments with the dentist. All the dental insurances differ, there are basic ones, or ones that cover all dental care possible. Of course, the monthly costs differ according to the coverage. Most of the time there is an annual maximum of dental care that is covered, like 250,- or 500,-. Some insurances make you pay for 25% of all treatments yourself. Make sure to properly inform yourself about this!
Free to Choose
You can choose which additional insurances you want or need, and it can even be at a different health insurance companies.
Note: Check dekking
Always check at your doctor or dentists if the treatments they suggest you should have, are covered within your basic or additional package! In this way you will not have financial surprises. Try though to have the proposed treatments executed. Your health is most important.
Note: Collective insurance (CAZ)
The municipality of Nijmegen has a collective extra health insurance (CAZ) for people with a low income (total money from income, social benefits, retirement and study finances). They will pay for a small bit of the costs.
⇒ Download registration form
⇒ You can ask for more info or help to apply for this health insurance at the CZ-office in the city centre
⇒ If you need more help, ask VWN or your local STIP-information point