Changes in your HollandZorg health insurance for 2025

This overview is an abbreviated version of the most important changes to the health insurance with effect from 1 January 2025. 

You cannot derive any rights from this overview. This is only possible under our policy conditions. 

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New: Supplementary package Compact

As of 1 January 2025, HollandZorg will offer a new supplementary package: Compact.

Compact reimburses:

  • Emergency dental care with a maximum of €200 per calendar year.
  • 3 physiotherapy or remedial therapy sessions per calendar year.
  • he personal contribution for medicines.
  • The costs of repatriation to the country of origin if medically necessary or in the event of death.

Changes to the public health insurance

Exploratory mental health consultation for psychological complaints

In the case of psychological complaints, you will be reimbursed for an exploratory mental health consultation under the public health insurance. During such a consultation, a mental health-care practitioner, a professional from the social domain and possibly a hands-on expert will discuss with you as a client what help is necessary and appropriate. At HollandZorg, an exploratory consultation is not covered by the compulsory excess.

Indexation of statutory personal contribution

The statutory personal contribution for maternity care, obstetric care, patient transport, overnight stays and aids is indexed. The statutory personal contribution is determined by the government. The reimbursement overview tells you the amount of this contribution per type of care.

Indication conditions for district nursing

A district nurse or a nursing specialist must determine the indication for district nursing. The condition is that this person must demonstrably be professionally competent in the indication process.

Adjustment of maximum rates for Zvw-pgb

The maximum rates for a personal budget (“pgb”) under the Zvw have been adjusted. The rates are set out in the Health Insurance Personal Budget Regulations. There is no right to reimbursement via the personal budget for costs of tasks as an employer or client.
 

Reimbursement for physiotherapy and remedial therapy for severe rheumatoid arthritis

Patients aged 18 years or older with severe rheumatoid arthritis (chronic rheumatoid arthritis) are entitled to remedial therapy from the first treatment. There is no maximum for the number of treatments.

Supervised physiotherapy or remedial therapy for COPD

We no longer apply a maximum for the number of supervised remedial therapy treatments for patients aged 18 years or older with COPD in stage II or higher of the GOLD Classification for spirometry.

No excess for domain and sector-specific collaboration in groups

You do not have to pay a mandatory or voluntary excess for the costs of domain and sector-specific collaboration, not specifically aimed at providing assistance to you as an individual insured person, but to groups of insured persons.
 

No referral required for care by a non-contracted dietician, occupational therapist or speech therapist

If you choose care from a non-contracted dietician, occupational therapist or speech therapist in 2025, you will no longer need a referral.

Allow referring dental hygienist

Are you, as the insured person, suspected of having an illness (pathology) in the mucous membranes in your mouth? From 2025, a dental hygienist may also refer you to a dental surgeon.

Dental surgeon may assist with orthodontics in special cases

From 1 January 2025, dental surgeons will also be allowed to diagnose and treat patients with very serious developmental or growth disorders of their teeth, jaw or mouth.

Counselling for prenatal screening under public health insurance

In 2025, counselling will no longer be included in prenatal screening. There is no difference for you as the insured person. Counselling is still available, but is no longer covered by public health insurance. The government has decided to pay for counselling from a different budget from now on.

Geriatric rehabilitation care

When vulnerable elderly people recover from an illness or medical procedure, they can make use of geriatric rehabilitation care. The conditions for this type of care are becoming less strict, making it easier for people who need it to access this care.

Preventive foot care by a registered podiatrist

As of 2025, a maximum rate will apply for non-contracted preventive foot care provided by a registered podiatrist. You will find the rates for non-contracted preventive foot care on our web page www.hollandzorg.com/rates under Preventative foot care.
 

Changes to supplementary and dental insurance policies

You can still change your supplementary package until the end of January

From 2025, insured persons can change their supplementary package until 31 January. Previously, you could only change this package until 31 December.

 

Carrying over physiotherapy treatment

If you do not use all the physiotherapy treatments from your supplementary package in 2025, you may carry over a maximum of 3 to 2026. This only applies if you remain insured with HollandZorg in 2026 under a health insurance policy with supplementary insurance Compact, Start, Extra, Plus or Top. The additional treatments remain valid for 1 year.
 

Pedicure treatment for rheumatoid arthritis no longer reimbursed

Pedicure treatment (foot care) for people with rheumatoid arthritis affecting the feet is no longer covered by supplementary insurance. This treatment is already covered by the public healthcare insurance.

 

Higher reimbursements for glasses and lenses

The reimbursement for glasses and contact lenses has been improved. From 2025, you will be reimbursed a maximum of €75 every 2 calendar years under our supplementary Extra package. Under a supplementary Plus package, the reimbursement is a maximum of €100 every 2 calendar years. With a supplementary Top package, this is €150 every 2 calendar years.

 

Reimbursement of a menopause consultant

We also reimburse care provided by a menopause consultant who is affiliated with the Dutch Association of Nursing Menopause Consultants (VVOC) if you are suffering from menopausal symptoms. This reimbursement falls under Care for Women and is included in our supplementary Plus and Top packages.

 

Exercise programme for children with obesity removed from supplementary packages

We have removed reimbursement for exercise programmes for children with obesity (BMI > 30) from our supplementary Plus and Top packages. If your child is obese, they can still participate in an exercise programme. This will run via the Chain Approach cover for overweight and obese children in the public health insurance.

 

Changes in general

Submitting expense claims in a foreign language

Expense claims for healthcare received from 1 January 2025 may be drawn up in a foreign language, as long as it is in the Latin alphabet (Western script).