Key questions

Frequently asked questions

• Until when can I change my health insurance?

  When you want to cancel your health insurance with ONVZ, you can do this until January 1st. When you want to change your additional health insurance, or your dental insurance, you can do this before February 1st.

• Do I get a discount when I choose quarterly, half-yearly or yearly payment?

  We offer 0,5%, 1% and 2% discount when you pay your premium respectively every quarter, six months or year.

• I have chosen yearly payment of my premium. Recently I received a request to pay the premium for my son or daughter, even though he or she will only turn 18 later next year. Is this correct?

  Yes, this is correct. When you choose yearly payment of your premium, you receive a discount. If you do not want to pay the premium for your son or daughter in advance, we can adjust your term of payment. This will affect the discount on your premium however.

• Do you use waiting periods before I can use the coverage of your insurances?

  No, you can use the coverage of our insurances from their starting date. So, if your insurance starts on January 1st, the coverage also starts on that date.

• You have several insurances that require answering health questions. Which are they?

  Everyone can have our basic health insurance. Also the additional health insurance schemes Startfit, Extrafit and Benfit, our dental insurance Tandfit A and our international insurance Wereldfit are without medical selection. We only ask health questions when people apply for the three premium insurance schemes (Optifit, Topfit and Superfit), our three most elaborate dental insurances (Tandfit B, C and D) and for Health Basic and Health Premium. Both new clients and existing clients who apply for these insurances have to answer those questions.

• Why do we ask health questions when people apply for our premium insurances and for Health Basic and Health Premium?

  Our premium insurances and Health Basic and Health Premium offer very extensive coverage. To make sure that we can keep offering our customers this coverage in the future, we must be certain that there are no foreseen costs. Because we offer these insurances to cover for unforeseen costs, not foreseen costs.

• When I switch to ONVZ next January, will you automatically terminate my old health insurance?

  Yes, we will. And if you indicate on the application form that you authorise us to terminate your present additional health insurance, we will do that too for you.

• When I switch to ONVZ and I subsequently change my mind, can I still cancel my health insurance with you?

  When you apply for health insurance, you have a reflection period of 14 days. The policyholder can cancel the insurance by writing us within 14 days after we sent the policy papers or, if later, within 14 days after he or she received the proof of insurance. If you cancel the insurance within this period, the insurance will be cancelled from the starting date. Therefore, there will be no entitlement to coverage.