You can apply via our website or via our Customer Services department by calling + 31 (0)570 687 123. Naturally, we will handle your call in English.

You can transfer with effect from 1 January. If you register with HollandZorg before 1 January, we will ensure that your insurance policy with your current insurance company is cancelled.

This is an extension (supplementary insurance) to your public healthcare insurance which covers costs for which you are otherwise not insured. This is because the public healthcare insurance does not reimburse all costs.

With the Long Stay Insurance, you will also be reimbursed for the costs of dental treatment, a health check, and will be insured if you need to be repatriated for medical reasons. The package also reimburses you in many other circumstances. See our reimbursement overview for more detailed information, or contact Customer Services on +31 (0)570 687 123. We will be happy to assist.

You can receive information in English, and we also handle your query in English.

HollandZorg has an agreement with a number of care providers which means that invoices may be submitted directly to Hollandzorg. You do not need to make any payment up front in such cases. If, however, you are required to settle an invoice in advance, we will ensure that you are reimbursed within 10 days.

Given that each set of circumstances influencing insurance issues is different, HollandZorg will review whether there is a requirement for compulsory insurance or not on a case-by-case basis. We will take into account, for example, how long you are (expected) to remain in the Netherlands, whether you are resident in the Netherlands and whether you intend to work in the Netherlands.

In principle, any stay of less than one year in the Netherlands is deemed to be temporary. A stay of longer than one year is deemed to be 'residency'. If an individual is expected to remain in the Netherlands for less than three years, the health insurance company will determine whether the person is resident in the Netherlands. The criteria applied here include the degree of legal ties with the Netherlands, the degree of economic ties with the Netherlands or the degree of social ties with the Netherlands.

 

Inception and termination of the (supplementary) health insurance

Each year, everybody has the opportunity to cancel his/her health insurance. However, a new health insurance contract must be taken out on 1 February, which will come into effect on 1 January with retrospective force. The following is important when you cancel your (supplementary) insurance:
- you have until 31 December each year to cancel your insurance for the next year
- notice of cancellation is given in writing or by e-mail, stating your policy number, termination date and bearing your signature
- in the event that the terms and conditions are amended at the disadvantage of the insured, you can also terminate your insurance contract
- a policyholder who has insured someone else can terminate the health insurance if the insured party has taken out other health insurance
- In the event of termination of a collectivity due to termination of an employment contract and the option to join another collectivity under the new employment contract, the policyholder may terminate the insurance within 30 days of termination of the collectivity

A new legal regulation came into force recently. It stipulates that insured parties with payment arrears with their current health insurer may not change to another company.

A preference policy means that the insurer has a preference for certain (often less expensive) medicines. When an insurer follows this policy, it may be possible that from a limited number of medicines only the cheapest medicine is reimbursed. However, the cheaper version does have the same quality and composition as the more expensive one.
In the case of a preference policy, a doctor may prescribe a certain medicine that is not reimbursed by the insurer. In that case, the dispensing chemist must give you the medicine preferred by the insurer, so that you are reimbursed for them.

No preference policy at HollandZorg
HollandZorg does not have a preference policy. HollandZorg allows chemists to dispense the medicine you have been prescribed.
HollandZorg prefers a constructive cooperation with partners in the field of healthcare: GPs, medical specialists and dispensing chemists. We feel this method is the best way of looking after the interests of our insured, giving you the best possible care and an excellent service at an affordable price.

The chronically ill can obtain compensation of the compulsory excess. This compensation is paid by the Central Administration Office for Exceptional Medical Expenses in the final quarter of the year.

HollandZorg health insurance card combined with EHIC!
HollandZorg is one of the few insurers to issue all of its insured parties with a Health Insurance Card with EHIC.
 
Why an EHIC/European health insurance card?
Everyone who has taken out public healthcare insurance and goes abroad for a certain period of time for a holiday or work for example, qualifies for a European Health Insurance Card (EHIC). The EHIC entitles you to urgent medical care during your temporary stay abroad. The EHIC makes it easier for Dutch insured persons to obtain medical care and it facilitates the settlement regarding the care provided by foreign care providers. Please be aware: the EHIC does not cover the costs for trips abroad with the intention of undergoing medical treatment.

Where and when can I use my European health insurance card?
The European Health Insurance Card:

• is valid only in countries that are a member of the EEA/EEC (i.e. the EU countries, Norway, Iceland and Lichtenstein), Switzerland and Australia
• is personal and free of charge
• is valid until February the next year
• gives the insured party the right to payment of his medical expenses when staying in another Member State, under the same conditions laid down in the legislation of that Member State for its own insured
• does not provide cover for insured parties who travel to another Member State with the intention of undergoing medical treatment in that Member State

 

A lot of care providers submit their invoices directly to Salland. You do not receive those invoices yourself. If you do not recognise an invoice that has been advanced by us, please contact our Customer Service department. We will then check the invoice together with your care provider. Any corrections will show up on a next statement.

Various healthcare costs are registered under 'hospital', such as the costs for consultations, treatment and examination. However, they are also registered under hospital expenses if a sample of blood has been taken or if your general practitioner has sent details to the laboratory. Making X-rays also falls under hospital expenses, as do mental healthcare treatments.

Hospitals claim so-called DBCs. DBC stands for Diagnostic Treatment Combination. A DBC comprises the entire procedure, from the diagnosis by the specialist to the hospital treatment (if any) that follows. A DBC can remain open for a maximum of 365 days. In that case, the hospital will send us an invoice after one year. It is only from then on that we can charge you excess.

Each hospital treatment comprises two elements: one amount for the specialist and one amount for the hospital. They will show up on your statement on separate lines.

On his invoice, your physiotherapist has indicated that it concerns a chronic indication. In the case of a chronic indication, the first 20 treatments are reimbursed under your supplementary insurance (if any). All subsequent treatments are reimbursed under the public healthcare insurance. These costs under the public healthcare insurance are subject to an excess.

A full upper or lower prosthesis (dentures) is largely reimbursed under the public healthcare insurance. This also applies to repairing and rebasing your dentures. These costs under the public healthcare insurance are subject to an excess.