You are pregnant
We reimburse all medically necessary care related to your pregnancy from your general insurance. Like healthcare provided by a general practitioner, midwife or obstetrician/gynaecologist. You will not pay the This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2022, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy.
We cover pregnancy examinations, such as counseling, the 12-week ultrasound, the 20-week ultrasound and laboratory tests from your general insurance. You will only pay the deductible for laboratory tests.
With a medical indication you will also be reimbursed for the combination test. This is used to determine whether there is an increased chance that your child has a chromosome abnormality. If so, you can have the NIPT, villus test or amniocentesis performed. You will pay the deductible for these costs.
In 2022 you will be reimbursed for the costs of antenatal counselling, the 12-week ultrasound (to confirm the due date) and the 20-week ultrasound (as a part of your general insurance policy). The costs of a non-invasive prenatal test (NIPT), chorionic villus sampling (CVS) or amniocentesis will also be reimbursed if there are medical grounds for the procedure (because you have previously had a baby with a chromosome abnormality or because the combined test has shown an increased risk of a chromosome abnormality). From 2022, we no longer reimburse the costs of the combined test.
You are giving birth
Delivery at the hospital on medical grounds
Do you have medical grounds to give birth at the hospital? For example, when you have high blood pressure or if your baby is in breech. This is covered by your general insurance. You do not pay the deductible for this.
When you can choose where to deliver
When you may choose where you would like to give birth, you have 3 options:
1. Delivery at home
A birth at home is fully reimbursed under the general insurance. You do not pay a deductible or personal contribution.
2. Outpatient delivery at the hospital (without medical grounds)
An outpatient delivery in hospital is reimbursed under your general insurance. In 2022 you will receive €230 per day (for mother and child together). You do not pay a deductible, but a personal contribution. This amount differs per hospital. Our maternity care advisers can inform you about this.
3. Outpatient delivery in the birth center
In 2022, you get €230 per day (for mother and child together) reimbursed from your general insurance. You do not pay a deductible, but a personal contribution of € 440.45 .
Some of our additional insurance policies reimburse the personal contribution for an outpatient delivery.
Your child is born
You will receive a reimbursement from the general insurance. You do not have to pay the deductible for this. You will receive maternity care for a minimum of 24 hours and a maximum of 80. The maternity center determines the number of hours using the national indication protocol for maternity care.
In the following situations, you will pay a personal contribution. This can be covered from some of our additional insurances.
1. Maternity care at home
In 2022, the personal contribution is €4.70 per hour.
2. Maternity care at a maternity hotel
In 2022 the personal contribution is €38 per day (for mother and child together).
3. Maternity care at birth center or hospital
Are there no medical ground for you to deliver at the birth center or hospital? In that case, the personal contribution for maternity in 2022 is €38 per day (for mother and child together). The maximum reimbursement in 2022 is €230 per day (for mother and child together). Does the healthcare provider charge a higher amount? Then you pay the difference yourself.
Extra reimbursements are included in our additional insurance policies Basis, Plus, Top and Gezinnen:
- The personal contribution for childbirth in hospital without medical grounds
- Four days of extra maternity care if medically indicated
- Incubator aftercare
- A maximum of € 200 per calendar year for lactation-related care when breastfeeding
- A pregnancy course
- Coverage for the personal contribution for maternity care