Dutch Insurance Cover
If you are insured with a Dutch insurance, and wish to see a specialist, we strongly advise that you speak to your GP and request a referral. Without a GP referral, your insurance will likely not cover the costs of the specialist consultation fees.
If you do not have a referral letter, you may still make an appointment with a specialist at our polyclinic but it is likely that your insurance company will not reimburse you.
Insurance coverage and billing
In 2022 the IHCH will (temporarily) cover the non-reimbursed part of your invoice for you! (provided you have a referral letter from your GP family doctor). Please note that the IHCH is offering this in the context of catch-up care after COVID and it is temporary.
Depending on your insurance policy (whether restitutie or natura), only a certain percentage of the cost of a medical specialist appointment will be paid by your insurance (providing you have a referral from your GP Family doctor). Therefore you would normally have to pay your own contribution in addition to what the insurance covers. In 2022, the IHCH will cover your personal contribution! Note that this is different to your deductible excess or eigen risico. You will still need to pay your deductible.
Direct billing agreements
We have a direct billing agreement with ONVZ insurance, meaning that we will send the invoice for your treatment directly to them if you are insured with them. If you are insured with any other insurance company, they still have the obligation to reimburse you for the Polyclinic invoices, but they can limit the amount they reimburse to a maximum that they set themselves. The reimbursement will be higher for Restitutie policies (free choice of your doctor) than for Natura policies (where the insurance can direct you to selected doctors). On the websites of the insurance companies you can find the maximum amounts that they reimburse for non-contracted parties.
For this reason we advise all of our patients to choose for a Restitutie Policy rather than a Natura Policy with their insurance provider.
Upon completion of treatment, all of our patients (with the exception of patients insured by ONVZ) will receive their invoice from us via email through the secure KPN Zorg Messenger. Please note, that it can take up to four months after your initial visit for you to receive your invoice. See above specialist consultation fees for more details.
Eigen risico – your yearly deductible
Be aware that Dutch insurance companies impose a mandatory eigen risico or ‘own risk’. This excess amount is regulated by the Dutch Government and it applies every year to all persons with Dutch Insurance. Your eigen risico is usually deducted from any reimbursements you may receive from your insurance company. Items such as prescription medication and laboratory investigations also form part of the eigen risico.