Anyone can take out a basic health-care plan with ONVZ. You can also freely take out the 3 supplementary health-care plans Startfit, Extrafit and Benfit.
If you would like to take out one of our excellent health-care plans: Optifit, Topfit or Superfit, comprehensive Tandfit insurance or Health Basic and Health Premium, we will first ask you a number of medical history questions. We will explain why we do this below.
Startfit, Extrafit, Benfit or more extensive coverage?
The benefits included in Startfit, Extrafit and Benfit are comparable to most supplementary health-care plans offered by other health insurers, which is why you can take out these insurance policies freely, without answering any medical history questions.
If you prefer more certainty, opt for one of our 3 most comprehensive health-care plans:
These excellent plans offer extensive coverage for, for example, physiotherapy, alternative medicine or dietetics. If you would like to take out Optifit, Topfit or Superfit, you must answer some medical history questions.
Why do we ask medical history questions?
The price-quality ratio of our excellent health-care plans is not comparable to supplementary plans offered by other health insurers, which is why you have to answer medical history questions for Optifit, Topfit or Superfit. This is the only way we can keep our excellent health-care plans affordable for all our insureds. We also ask medical history questions if you apply for comprehensive Tandfit insurance or Health Basic and Health Premium. We would not be able to offer these insurance policies if we did not ask applicants medical history questions.
Please note: based on your answers, we may offer you a different supplementary health-care plan than the one you applied for.
Costs and benefits should be in balance
Supplementary insurance is not (legally) required. Each health insurer determines which benefits they include in their supplementary health-care plans. We are therefore entitled to ask any applicant for our supplementary health-care plans medical history questions. The principle of ‘risk equalisation’ does not apply to supplementary plans as it does to the basic health-care plan. What risk equalisation entails can be found under 'Risk equalisation'.
ONVZ is a non-profit health insurer. If we want to keep our premiums affordable for all our insureds, costs and benefits should be in balance. If health-care costs become too high, we will be forced to increase our premiums. Naturally, we want to prevent this from happening. Without asking medical history questions, we cannot, for example, offer excellent insurance with this coverage at this price. This would not be fair to our existing insureds. This is why we ask medical history questions for Optifit, Topfit, Superfit, Health Basic and Health Premium and for Tandfit C.
Foreseen and unforeseen costs
Health insurance offers security in the event of unforeseen healthcare costs. This is what we call the principle of insurance. Unforeseen costs are costs that you did not expect when you applied for your health-care plan. If you need to go to the hospital for a broken leg, for example.
Foreseen costs are costs that you already expect to make when applying for your insurance. For example: when you apply for the health-care plan of your choice, you already know that you will have to undergo surgery soon and afterwards you will have to regularly visit a physiotherapist. Or you have a chronic condition and you have been going to a specific healthcare provider for years. In vitro fertilization (IVF), physiotherapy, oral care, orthodontics or, for example, glasses and lenses, are usually foreseen types of care.
All health insurers calculate the total of healthcare costs they expect to reimburse from the basic health-care plan. This total amount is shared evenly between all health insurers, the so-called 'risk equalisation'.
The basic health-care plan is statutory. We therefore accept anyone who is obligated to have a basic health-care plan. It does not matter whether you are old, young, sick or healthy. It does not matter if you expect any costs. All health insurers add up all the health-care costs covered by the basic insurance and share the costs evenly between each other.