Annually, you have the opportunity to switch health insurers. Compare the costs and policy conditions and make your choice before 1 January.
When can you switch?
Switching health insurers is possible at the end of each year:
- Cancelling your current insurance can be done up to and including 31 December
- Signing a new insurance policy can be done up to 31 January at the latest
- The start date of your new policy is always 1 January
Step-by-step plan for switching
- Search and compare health insurance policies via platforms such as Independer or Zorgwijzer
- Select a new policy before 1 February
- Your new insurer handles the cancellation of your old policy
- From 1 January, you are insured with the new provider
Important considerations when switching
| Aspect | Explanation |
|---|---|
| Supplementary coverage | No automatic acceptance |
| Outstanding payments | Debts must first be settled |
| Current treatments | An authorisation may lapse |
| Deductible | Is reset with the new insurer |
Obligation to accept basic coverage
Insurers are obliged to accept you for a basic insurance policy, regardless of your health or age. This rule does not apply to supplementary packages.
Frequently asked questions about switching in Zoetermeer
Is switching mid-year possible?
Only in case of changes in premium or conditions by the insurer. You then have 30 days to cancel.
What happens to my current treatment?
Check with your new insurer whether the treatment is covered. Sometimes you need to apply for new authorisation.
Do I need to cancel my old insurance myself?
No, your new insurer handles this if you switch before 1 February.
Extra questions and answers
Until when can I change insurers?
You can cancel your current policy up to 31 December. You must sign a new insurance policy by 31 January at the latest, but preferably before 1 February. Coverage starts on 1 January. Switching too late may mean you have to stay with your current insurer for a year.
Is my supplementary package automatically accepted?
There is no obligation to accept supplementary insurances. An insurer may reject you based on age or medical history. Check the conditions and inquire in advance whether you will be accepted.
What happens to my deductible when switching?
With a new insurer, your deductible starts anew from €0 on 1 January, regardless of previous payments with your old insurer. Plan your healthcare costs accordingly.
Can I cancel mid-year if I am dissatisfied?
Normally, switching is only possible per 1 January. Exceptions are premium increases, changed conditions, moving abroad, or reaching state pension age. You then have one month to cancel.
Do I need to inform my doctor about the switch?
No, this is not necessary. The administration is handled by your new insurer. Do check whether your healthcare provider has a contract with the new insurer to avoid extra costs.
What if I have payment arrears?
Switching is only possible after settling debts. Contact your current insurer for an arrangement and settle this in time to prevent delays.
How can I effectively compare health insurances?
Use reliable comparison sites such as Independer or the Consumentenbond. Look not only at the premium, but also at coverage, deductible, and whether your healthcare providers are contracted. This way you avoid unexpected costs.
In short
Annually, you can switch health insurers before 1 January. Sign your new policy by 31 January at the latest, with coverage from 1 January. You are always accepted for the basic insurance, but this may differ for supplementary insurances. For legal questions, you can go to the Juridisch Loket Zoetermeer or the Rechtbank Den Haag.