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Health insurance with optimal freedom of choice

You like to make your own decisions when it comes to your health and that of your family members. Freedom of choice is paramount at ONVZ.

Your free choice is our guiding principle. You choose which doctor, specialist or other care provider you go to. It is your life and your health, after all.

Does my health-care provider have a contract?  

If you are insured with ONVZ, you usually do not have to worry about contracts. For almost all types of care, you can go to your preferred health-care provider without having to worry whether they have a contract with ONVZ. Contract or not, you are entitled to the coverage your health-care plan offers.

Exceptions to this are mental health care (ggz) and district nursing (home care). We have seen that a small group of health-care providers in mental health care and district nursing makes unnecessary use of our extensive cover. That is why we decided that from 1 January 2021, we will instate maximum reimbursement limits for mental health care and home care organisations that do not have a contract with ONVZ. If you are using a contracted health-care provider, you are entitled to full reimbursement.

Choosing a health-care provider 

Our Zorgzoeker helps you find the nearest health-care provider that specialises in your complaint(s). Found a suitable healthcare provider? The Zorgzoeker shows their contact details, whether they have a contract with ONVZ and lets you know if any special conditions apply.

We can imagine that you may find it difficult to choose a healthcare provider. If that is the case, our ZorgConsulent advisers are there to help. They would be happy to find suitable health-care providers for you to contact. The ZorgConsulent advisers can be reached on telephone number 0800 020 00 04 (choose option 2).

Our coverage summary lists all our benefits.

Good to know

  • After you have incurred health-care costs, you will not always receive the invoice yourself

    Sometimes your health-care provider will send the invoice directly to ONVZ.

  • Sometimes you first have to pay the invoice for the healthcare costs yourself

    You can then easily submit your claim for these costs via MijnONVZ or our app. Your claim will be processed within 5 working days.

  • The government has set maximum prices for some types of care

    All health insurers in the Netherlands reimburse no more than the maximum price.

  • You may have to pay part of an unreasonably high invoice yourself

    If your health-care provider charges rates that are much higher than the market average, you may have to pay part of the resulting unreasonably high invoice yourself. This is not common.

  • Maximum reimbursement limits apply for mental health care and district nursing

    We have not contracted all health-care providers in mental health care or district nursing and for those types of care, maximum reimbursement limits apply per 1 January 2021.

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