What means the new basis insurance for me?
What means that for me? Your current care insurance
disappears, or you by means of the health insurance fund or individual
are now insured. Also the Medical Insurances for civil servants
(IZA, DGVP) expire. In place of it there come
standaardverzekering for everyone come. Every Dutchman has the
duty for this insure itself. It is not therefore this way that
you are presented automatically by an employer or benefit agency or
that you can choose there for uninsured to remain. You must
submit an application therefore yourself at an insurer acceptance duty
the new care insurance know an acceptance duty: insurers must
everyone who submits an application for the standaardverzekering
accepts, under the same conditions and against the same premium.
For health insurance fund patients the new care insurance law,
which choice there more comes:, means own risk and several
polisvormen. For private insured people the acceptance duty is
new. Much private insured people, certainly with a standard
parcel policy those, walk towards in the current scheme against
acceptance problems if they want change to another insurer the
standard package for which you are insured, is at every insurer the
same. But differ am there, however, degelijk!Moet I
kiezen?Iedere Dutchman have been obliged insure itself for the
standaardverzekering. That is not done by an employer or benefit
agency. Aren't you insured? Then you can count on a high
fine. In the passage situation of old to the new scheme your own
insurer probably does you an offer for the standaardverzekering.
The expectation is that if you do not react you sit permanently
to that offer. You are insured or, but you weet or this for you,
however, the best choice is not careful choice although the cover of
the standaardverzekering is at every insurer equal, is there really
differences. There are differences in premium, in polisvormen
and in service and quality of insurers. If you orients himself
well, you can make a careful choice for the care insurer and insurance
which is appropriate the bests at your situation Polisvorm insurers
will compete with with each other, among other things by buying care.
They negotiate with behandelaars and hospitals concerning prices
and quality of the care which they grant. Do you go to a another
hospital? Then it lies to the polisvorm which you have chosen
which amount compensates for you gets. It can therefore be that
you yourself must pay extra a considerable amount. Think for
this reason well after which care insurance do choose you when can I
choose? Your care insurer sends you at the latest 15 December
2005 an offer with a parcel which is similar with that for which you
are now insured. Up to 1 March 2006 you can decide if you that
offer wants enter. From what can I choose? You can choose
for a certain insurer. Insurers distinguish themselves of each
other in several areas, such as price, quality of care purchase and
service. Also you can choose voluntarily for his own risk.
Moreover every insurer has at least a policy without own risk,
but can policies offer with his own risk varying of 100 up to 500
euro. Beside the standaardverzekering for an additional
insurance moreover every insurer can choose you several polisvormen go
aanbieden:NaturapolisAls you chooses for naturapolis, then you get
help for care attribution at behandelaars which has been in advance
contracted by the care insurer. The costs of the treatment are
settled up directly with the insurer. You want still to another
behandelaar, then you get the account probably only compensated for
partially. It is therefore well look at if the hospital or the
care provider of your choice is contracted RestitutiepolisBij
restitutiepolis is possible you to the care provider of your own
choice. The account of the treatment submits you at the care
insurer, who reimburses the expenses. The insurer cannot put
himself a limit to the compensation, but must no longer compensate for
than those of a reasonable price on the Dutch market beside the natura
- and refund policies the care insurers also mengvormen of this offer
how much will cost that new care insurance me? Everyone above
the 18 years will pay a flat-rate contribution of probably between
1000 and the 1100 euro per year. Moreover a contribution which
is dependent on entering, is levied. It concerns income from
present labour (box 1). this contribution is compensated for by the
employer or benefit agency. Concerning this amount you, however,
tax are chargeable. Insured people above the 65 years,
gepensioneerden younger than 65 years and self-employed persons pay
the income-related contribution however generally himself. Also
now a health insurance fund patient pays both a flat-rate contribution
and a contribution on a percentage basis (in 2005 1.45%) that
dependent is on the income. This way you pay as a health
insurance fund patient 600 up to 800 euro themselves. Moreover
your employer pays or benefit agency also a part and that is also a
percentage of entering (6.75% in 2005). Private insured people
pay mooz in the old situation beside the premium the legal
contributions and wtz. these legal contributions come expire in the
new scheme for most of the people mean this that the flat-rate
contribution in the new scheme will lie higher than now the case is.
You can compensate those extra costs by means of the care
allowance and by means of a number of tax measures. These
measures must be developed for 2006 still further. The care
allowance depends on entering and the domestic situation.
Source "what means the new basis insurance for me?" :
General
Head index page of "what means the new basis insurance for
me?"
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