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DUTCH HEALTH INSURANCE INFO 2017

The Dutch medical insurance system is complicated, we have tried to simplify. A good health insurance should include the following:
1.Free choice to visit any specialist in Holland once you have a referral from your house doctor. In 2017 you will need a RESTITUTION (free choice) insurance policy to be sure of getting the maximum costs covered for seeing medical specialists who may not have a contract with your health insurance. 
2.Good extra insurance (aanvullend verzekering in Dutch) that covers a large proportion of complementary and alternative medical treatments costs as well as covering extras like prolonged physiotherapy, oefentherapie and dietician costs.
3.A large, well known health insurer with many years of experience.

In 2017 there are only a few choices that fit the above criteria:
ONVZ - www.onvz.nl  www.onvz.nl
This is a reliable restitution / free choice insurance
Extra insurance / aanvullend verzekering choices are as follows:
- Optifit - covers 85 per alternative medicine consult (by a doctor) - upto 750 per year
- Topfit - covers 85 per alternative medicine consult (by a doctor)  - upto 1000 per year

UMC Zorgverzekering - www.umczorgverzekering.nl (affiliated to VGZ)
This is a reliable restitution/free choice insurance
Extra insurance / aanvullend verzekering choices are as follows:
- UMC Extra Zorg 1 and 2 gives 100% cover upto 300 per year
- UMC Extra Zorg 3 gives 100% cover upto 500 per year
- UMC Extra Zorg 4 gives 100% cover upto 750 per year

PNO ZORG - www.pnozorg.nl  (affiliated to ONVZ)
This is a restitution/free choice insurance that falls under ONVZ
Extra insurance / aanvullend verzekering choices:
- PNO Keuze - covers 100% of alternative consult costs (by doctor) - upto 250 per year
- PNO Extra - covers 100% of alternative consult costs (by doctor) - upto 350 per year 
- PNO Compleet - covers 100% of alternative consult costs (by doctor) - upto 600 per year


Tips
Children are insured at the level of the best insured adult - this means only one parent needs to take the extra aanvullend insurance and all the children get it too.
There is no own risk (eigen risico) payment for conventional treatments in children or for extra / aanvullend insurance claims.
You have until 31-12-16 to stop your current insurance.
You have until 31-1-2017 to apply for a health insurance at a new company. 
Only ONVZ and PNO Zorg have acceptance procedures for their extra packages - with the other companies acceptance is automatic.

NOTE: It remains your responsibility to check the details of your new insurance before finalizing a contract. This is a guideline in helping patients make the best choice for 2017.
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Click hier voor de Nederlands versie van verzekering informatie