A supplementary health insurance provides coverage for costs that fall outside the basic package, such as dental care, glasses or extra physiotherapy treatments. You decide for yourself whether you need such an insurance and which one best suits you in Zoetermeer.
What care does a supplementary insurance cover?
The coverage of a supplementary insurance depends on the chosen package. Common reimbursements include, among others:
- Treatments at the dentist
- Costs for glasses and contact lenses
- Physiotherapy (for example, the first 20 sessions)
- Alternative treatment methods
- Orthodontic care
- Extra support for medical aids
- Travel vaccinations
Overview of supplementary insurance packages
| Category | What is covered? | Estimated premium |
|---|---|---|
| Standard supplementary | Limited reimbursement for dentist and glasses | € 5-15 per month |
| Extended package | Broad coverage, including extra physiotherapy | € 15-30 per month |
| All-in package | Full coverage for various types of care | € 30-50 per month |
| Dentist package | Dental treatments only | € 10-40 per month |
Acceptance conditions and health check
In contrast to the basic insurance, insurers can reject you for a supplementary insurance or request a health declaration. Some tips:
- Choose a supplementary insurance from the same provider as your basic insurance
- When switching within the same insurance group, acceptance is often guaranteed
- Avoid applying for coverage for existing medical conditions
Frequently asked questions about supplementary insurances in Zoetermeer
Am I required to take out a supplementary insurance?
No, it is entirely voluntary. You can choose to pay for care costs outside the basic insurance yourself.
Can I take out only dentist coverage?
Yes, many insurers offer a standalone dentist insurance. Be aware of possible waiting periods for submitting claims.
When can I adjust my supplementary insurance?
Usually, you can do this at the end of the year, effective from 1 January. Check the rules with your insurer.
Extra questions and answers
How do I choose the right supplementary insurance in Zoetermeer?
First map out your care needs: do you go to the dentist often or do you regularly need a physiotherapist? Then compare the available packages and premiums from insurers. A standard package is often sufficient for occasional care, while an extended package is better for intensive care use. Use online tools to compare coverages and costs.
What if I cancel my supplementary insurance and want to take it out again later?
After cancellation, you can take out a new insurance, but insurers may screen you again. This may mean you have to undergo a health check and possibly be rejected. Re-enrollment with the same insurer is often easier, provided it is within a certain period (usually 1 year).
Can I change my supplementary insurance mid-term?
Normally, this can only be done per 1 January. Mid-term changes are rare, except in exceptional situations such as moving abroad. Consult your insurer's conditions.
Are all dentist costs reimbursed?
No, the reimbursement varies per treatment and package. Standard check-ups are often fully covered, but for complex procedures such as crowns or braces, there is often an annual maximum. Always check the policy details.
What is the difference between a standalone dentist insurance and a supplementary package with dentist coverage?
A standalone dentist insurance focuses exclusively on dental care, while a supplementary package offers broader coverage, such as physiotherapy or glasses. A standalone insurance can be cheaper if you only need dentist coverage.
How do I claim costs under a supplementary insurance?
Usually, you submit the bill from the care provider (e.g., dentist) via your insurer's app or website. Make sure to keep the invoice properly and check if the treatment falls under your coverage.
For legal questions about health insurances in Zoetermeer, you can contact the Juridisch Loket Zoetermeer. In case of disputes, the Rechtbank Den Haag may play a role.
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