It is hardly surprising that you have some questions. You may be wondering whether your scheduled hospital appointment will still go ahead, or whether you can drop by one of our branches. We have collected the most important questions here.
Coronavirus and your health insurance
Some people have symptoms of COVID-19 long after their illness. Like fatigue, forgetfulness and worse performance of smell and taste. If those symptoms remain for weeks or moths, this is called long COVID.
No, the vaccination is free. You do not pay the deductible either.
Everyone with symptoms can go to the ‘GGD’ (regional health authority) for a free test. You do not need a referral from your general practitioner. You will not have to pay anything, the deductible will not be charged. To make an appointment, go to Coronatest.nl (log in using your DigiD) or call the national freephone number 0800-1202 between 8am and 8pm. Make sure you have your Dutch personal identification number (BSN) to hand. Further information is available here.
On the advice of ‘Zorginstituut Nederland’, Minister for Medical Care Tamara van Ark has decided to temporarily extend the reimbursements provided by the general insurance policy for recovery care for seriously ill COVID-19 patients. Both COVID-19 patients who have been admitted to an ICU and COVID-19 patients who were treated in nursing wards or were seriously ill at home will qualify for this extended reimbursement.
You will be reimbursed for emergency healthcare abroad. Is the travel advice negative (orange or red) due to the coronavirus before your departure? Then you will not receive any reimbursement from your additional insurance.Do you have to go to the hospital or do you have a question concerning your health? Contact our CZ Helpline on +31 13 468 04 02.Our nurses are available 24/7 for advice and assistance.
The year for which you are charged a deductible is determined by the start date of your treatment. If the first appointment for your treatment is in 2023, you will be charged the deductible for 2023.
Do you visit the hospital for treatment? The hospital groups together all your treatments in a sort of package, called the Diagnosis-Treatment-Combination, or DBC. The DBC will stop as soon as your treatment has finished, or it will stop after a certain number of days as stipulated by the NZa:
Most healthcare in hospital: 120 days
Surgery: 42 days
Mental healthcare: 365 days
If the treatment takes longer than that, a new (follow-up) DBC will start. If you had not yet paid all of your deductible or this new follow-up DBC is opened in a new year, you will be charged a deductible again. Your healthcare provider can tell you when a new DBC will be opened for you.
Many hospitals have not yet updated the consultation types in their system. This is why the invoice may sometimes still say that the consultation was at the hospital, even if it was a remote consultation. It does not make any difference for the amount charged on your invoice. Healthcare providers, health insurers and the ‘Nederlandse Zorgautoriteit’ (Dutch Healthcare Authority, NZa) have made arrangements in this respect.