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The most important changes in your basic health insurance in 2021

This overview below shows the most important changes in our basic health-care plan as of January 1, 2021. We have only listed the changes that change the terms and conditions of your insurance. We do not mention instances in which we have improved texts are made them more clear. For each change we have indicated why the change has been made and what this might mean for you.

What will change for you?

  • Excess

    Change per 1 January 2021

    The government has determined the excess stays the same.

    What this means for you

    The compulsory excess in 2021 is € 385, just like in 2020.

  • Excess for organ donation

    Change per 1 January 2021

    If you were an organ or tissue donor, the excess does not apply to the costs of any check-ups necessary after the initial care period of 13 weeks (26 weeks in the case of liver transplants) has come to an end. As of January 1, 2021, all care after that period related to the donation will remain exempt from the excess.

    What this means for you

    If you donate an organ or tissue, the recipient's basic insurance will reimburse your medical expenses for the first 13 weeks after the donation, or the first 26 weeks after a liver donation. After that, your own basic health-care plan will cover the costs. In 2020, the excess did not apply to check-ups. As of 2021, this also applies to other medical costs related to the donation.

  • ONVZ instates maximum reimbursement limits for district nursing and mental health care

    Change per 1 January 2021

    As a not-for-profit organisation, we want the best for all our members, including you. Aa you may have noticed, the premium for your health-care plan has increased in recent years. This was partly caused by an increase of health-care costs, as well as a small group of health-care providers who unnecessarily use our extensive benefits.

    Virtually all health-care providers are committed to providing good care on a daily basis. In order to sustain this quality care in the future, we make daily efforts to prevent improper and unnecessary use of health-care funds. Unfortunately, this approach turned out to be not effective enough for mental health care and district nursing (home care). This is why, after consulting the ONVZ member council, we have decided to instate maximum reimbursements for mental health care and home care organisations that do not have a contract with ONVZ. This change will take effect on 1 January 2021.

    What does this mean for you?

    If you are not using mental health care or district nursing, nothing will change for now. You are still free to choose your own doctor and hospital as you are used to from us. Remember this change for any district nursing or mental health care you may use in the future.

    If you are using district nursing and/or mental health care, please read more about what this change means for you.

  • Medical appliances for diabetes

    Change per 1 January 2021

    As of January 1, 2021, all medical appliances for diabetes will be reimbursed as medical appliances. In 2020, some aids fell under specialist medical care. These aids will be added to the medical appliances benefit:

    • continuous glucose monitoring and flash glucose monitoring (freestyle libre) 
    • insulin pumps
    • ketone test strips 

    What this means for you

    Do you have diabetes mellitus and do you use continuous glucose monitoring, flash glucose monitoring or an insulin pump? Funding of these aids is no longer channelled through the hospital. All costs of these medical appliances, plus the costs of ketone test strips, fall under the medical appliances benefit as of January 1, 2021.

  • Medical care for specific patient groups (GZSP)

    Change per 1 January 2021

    Until 2020, GZSP was subsidised. This care will be transferred to the basic insurance in 2 steps. In 2020 care provided by an elderly medical care specialist and doctor for the mentally disabled has been included in the basic insurance. From 1 January 2021, the basic insurance also covers the same care by a behavioral scientist, paramedical care and day treatment in a group.

    What this means for you

    For vulnerable people with multiple health problems and for people with a mental disability, the general practitioner was already able to call in a elderly medical care specialist (SO) or a doctor for the mentally handicapped (AVG) as of 2020. From 1 January 2021 they can also call in other care providers. Day treatment in a group can be part of the care provided. This is all covered by the basic health-care plan. However, the costs are subject to the excess and you sometimes have to seek our permission beforehand.

  • Medical transportation for GZSP

    Change per 1 January 2021

    As GZSP is fully included in the basic health-care plan in 2021 (see above), the basic insurance also reimburses transportation to and from day treatment for some specific groups.

    What this means for you

    If you receive outpatient treatment in a group as part of GZSP, the basic insurance sometimes also covers medical transportation to the day treatment. Please be aware that you must seek our permission first. You will pay a statutory personal contribution for the transportation costs, which are also subject to your excess.

  • Medicines (Gaucher disease)

    Change per 1 January 2021

    In 2021, medicines for Gaucher disease are no longer part of the medicines benefit, but fall under specialist medical care from 2021 onwards. 

    What this means for you

    If you will use medicines for Gaucher disease in 2021, not the pharmacy but the hospital will charge you for them. They will claim the costs directly from us as medical-specialist care (via the dbc system).

  • Personal contributions

    Change per 1 January 2021

    Statutory personal contributions have been changed for 2021. 

    What this means for you

    Medicines, medical appliances, dental health care, antenatal/post-natal care and other medical transportation are subject to a personal contribution. The personal contribution amounts for 2021 will follow on a later date.

  • Physiotherapy and remedial therapy for COPD patients

    Change per 1 January 2021

    The basic insurance reimburses physiotherapy and remedial therapy for COPD (Chronic Obstructive Pulmonary Disease) from the first treatment. There is a maximum number of treatments, depending on the severity of the disease. As of January 1, 2021, this number will be increased for some patients with symptoms in class B.

    What this means for you

    If you have COPD GOLD stage II or higher, the basic health-care plan will reimburse physiotherapy and remedial therapy from the first treatment. If your symptoms, disease burden and risk of lung attacks are of a certain severity, the basic insurance will reimburse more treatments in 2021.

  • Total parenteral nutrition

    Change per 1 January 2021

    From 2021 onwards, pumps for parenteral nutrition (infusion feeding) will no longer fall under the medical appliances benefit, but under specialist medical care. The food itself will also become part of this benefit.

    What this means for you

    Patients with a disorder of the gastrointestinal tract sometimes need drip feeding, which can often be administered at home. Until this year, it was unclear exactly who was allowed to charge what costs. As of January 1, 2021, all costs for the pump and the food will be managed by the hospital. You will no longer receive bills from the supplier of the appliances or your pharmacy.

Changes in our supplementary plans

All changes in our supplementary plans can be viewed on our website as of 12 November.

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