The 2011 premium for the public healthcare insurance has been set at 1,257 Euros. That equals 104.75 Euros per month. Children up to the age of 18 years do not pay premiums.
Changes to the public healthcare insurance
On the State Opening of Parliament, the government announced what will change in the public healthcare insurance in 2012. Some benefits will be removed from the public healthcare insurance, others will be reduced. An overview of the main changes is listed for you below.
Compulsory excess
For the year 2012, the government has set the compulsory excess at € 220.
Dietary advice
Dietary advice is no longer reimbursed under the public healthcare insurance (in 2011 benefits included four treatment hours per calendar year). If the dietary advice forms part of integrated care within the framework of Diabetes, COPD or Cardiovascular risk management, the benefit still applies under the public healthcare insurance.
Giving up smoking
In 2012, programmes designed to help people giving up smoking are no longer reimbursed under the public healthcare insurance.
Physiotherapy
In 2012, adults will not be reimbursed for the first 20 physiotherapy and remedial therapy treatments under the public health insurance. In 2011, this figure was 12. This concerns the first 20 treatments per chronic disorder (not per calendar year) on the ‘list of Borst'.
Some chronic disorders for which long-term physiotherapy and remedial therapy were reimbursed no longer qualify for reimbursement under the public healthcare insurance. We continue to apply an extensive list of disorders under our supplementary insurances, including those disorders which the government removed from the public healthcare insurance.
First-line psychological care
Whereas in 2011 eight sessions of first-line psychological care were reimbursed, five are reimbursed in 2012. In addition, the personal contribution per session is increased from EUR 10 to EUR 20 per session. In 2012, the personal contribution for an Internet treatment process will be 50 Euros.
Specialist mental healthcare
In 2012, you will pay a personal contribution of EUR 100 for a Diagnostic Treatment Combination (DTC) of up to 100 minutes within the framework of specialist mental care. For a Diagnostic Treatment Combination (DTC) of more than 100 minutes, you must pay a personal contribution of EUR 200. The personal contribution is subject to a maximum of EUR 200 per calendar year. Children up to the age of 18 do not pay a personal contribution. In the event of ‘indirect time' for DTCs (e.g. reporting, contact with referrers and administration) and in the event of a ‘crisis' (direct intervention in the event of e.g. a life-threatening or unsafe situation), no personal contribution is payable. In the event of an involuntary admission under the Psychiatric Hospitals (Compulsory Admissions) Act too, no personal contribution is payable.
In 2012, in the event of specialist mental care including admission, adults, in addition to the personal contribution for treatment, pay a personal contribution for accommodation. No personal contribution is payable for the first 31 days. After 31 days, you must pay a personal contribution of EUR 145 per month (in 2011, personal contribution did not apply).
Treatment of adoption disorders
In 2012, the treatment of ‘adoption disorders' is no longer reimbursed under the public healthcare insurance. The diagnosis for adoption disorders is a general indication of a psychological complaint manifesting itself in a behavioural disturbance in response to a stressful event such as dismissal or divorce. This includes burn-out and stress, among other disorders.
Insurance card
Your current insurance card expires on February 2012. A new card will be sent to you in January.