Frequently asked questions excess

Question and answer excess statement
Do you use healthcare under the public healthcare insurance and does your care provider send the invoice straight to HollandZorg? Four times a year, we verify if you have an excess for the healthcare used. You will then receive an excess statement. We have listed a number of frequently asked questions about the excess statement.

Can't find your question about the excess statement? Send us your question by means of the online contact form.

A large number of care providers claim their invoices straight from HollandZorg. You do not receive those invoices yourself. If you do not recognise the invoice advanced by us, please call us our Customer Services on +31 (0)570 687 123. We will then check the invoice together with your care provider. Any corrections will show up on a next excess statement.


If your physiotherapist tells you that you suffer from a chronic disorder that appears on the List of Disorders - physiotherapy and remedial therapy (PDF), you will, in 2015, be entitled to a reimbursement under the public healthcare insurance from the 21st treatment onwards. That is when the excess also applies. There is no excess for treatments that are reimbursed under your supplementary insurance.


Certain dental costs are (partially) reimbursed under your public healthcare insurance. If you need dentures for instance, you are entitled to a reimbursement of (most of) the costs by virtue of the public healthcare insurance. This also applies to repairing and rebasing your dentures. The moment costs are reimbursed by virtue of the public healthcare insurance, the costs count towards the excess. There is no excess for treatments that are reimbursed under your supplementary insurance.

Various healthcare expenses are registered under 'hospital'. They include the costs for consults, treatments and examinations. 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.

Dutch 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.


In 2012, we made a nationwide switch to a new claim system for hospital care. This transition meant that healthcare insurers and hospitals needed more time to make contract agreements. As a result, they were late in sending the invoices to the healthcare insurers, and the excess will be charged later too.

The date on which the invoices are received determines if the insurers can still charge an excess. If the invoice is received in 2013, insurers can only charge excess for 2012, not for 2011 and previous years. This does not apply if you are late submitting the invoice to us.

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

We charge the policyholder for the excess. If multiple family members pay excess, the policyholder will receive a single invoice for all the co-insured.