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Key questions

What will change in my health insurance?

Frequently asked questions

  • 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.

  • On 7 November 2023, the Dutch Trade and Industry Appeals Tribunal (CBb) ruled in the case between health insurer ONVZ and the Dutch Healthcare Authority (NZa). This ruling has far-reaching consequences for ONVZ and forces us to switch to a preference policy for medicines.

    More information about this can be found on this page.

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 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.

  • After childbirth
    Congratulations on the birth of your son or daughter. Add your baby to the policy within four months of birth to ensure that he/she is also insured for health-care costs. Children do not have to pay a premium for their health insurance until they turn 18. You can apply for insurance for your son or daughter via 'My health-care plans’ in MijnONVZ.


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