Results Top 5 Health Insurance:

Top 5 Student Health Insurance 2018

In the student healthcare insurance top 5, healtcare insurances of different insurance companies have been compared on coverage, premium and terms & conditions.

1Anderzorg Basis

102,00 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 63% Physiotherapy & Clinic coverage

1Besured Ruime Keuze

107,25 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 70% Physiotherapy & Clinic coverage

1De Friesland Zelf Bewust (natura)

103,95 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 70% Physiotherapy & Clinic coverage

1De Friesland Alles Verzorgd (natura)

116,95 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 80% Physiotherapy & Clinic coverage

1De Friesland Vrije Keus (restitutie)

122,25 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1Ditzo Basiszorgverzekering

102,95 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1HEMA Basiszorgverzekering

108,00 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 65% Physiotherapy & Clinic coverage

1Pro Life Principe Polis

119,45 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 87% Physiotherapy & Clinic coverage

1Pro Life Restitutiepolis

123,75 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1Promovendum Naturapolis

107,95 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 75% Physiotherapy & Clinic coverage

1Univé Zorg Select

100,95 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 72% Physiotherapy & Clinic coverage

1Univé Zor Geregeld

116,50 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 82% Physiotherapy & Clinic coverage

1Univé Zorg Vrij

121,25 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1UnitedConsumers VGZ Eigen Keuze

109,98 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1UnitedConsumers VGZ Ruime Keuze

104,58 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 80% Physiotherapy & Clinic coverage

1ZieZo Selectief

96,95 p/m

tick Limited choice

  • 53% Hospital coverage
  • 73% Physiotherapy & Clinic coverage

1ZieZo Basis

102,50 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 85% Physiotherapy & Clinic coverage

1Zilveren Kruis Basis Budget

105,95 p/m

tick Limited choice

  • 62% Hospital coverage
  • 73% Physiotherapy & Clinic coverage

1Zilveren Kruis Basis Zeker

119,45 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 87% Physiotherapy & Clinic coverage

1Zilveren Kruis Exclusief

123,75 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1ZorgDirect Basispolis

113,50 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 78% Physiotherapy & Clinic coverage

1ONVZ Vrije Keuze Basis

118,34 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1OHRA Zorgverzekering

107,95 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1Delta Lloyd Restitutiepolis

114,80 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1CZ Zorgbewustpolis

112,15 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 61% Physiotherapy & Clinic coverage

1CZ Zorg-op-maatpolis

116,25 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 81% Physiotherapy & Clinic coverage

1CZ Zorgkeuzepolis

122,60 p/m

tick 100% Free choice policy

  • 100% Hospital coverage
  • 100% Physiotherapy & Clinic coverage

1Czdirect Czdirect

105,45 p/m

tick Free choice of hospital

  • 100% Hospital coverage
  • 82% Physiotherapy & Clinic coverage

Top 5 Student health insurance

 

Deductible excess

In the Netherlands, insurance companies handle obligatory excess for their basic insurance. The deductible excess determines the one-off sum of specific health care cost that have to be paid by yourself for that year. In 2017 the obligatory deductible excess is €385,-. Not all costs are submitted to the obligatory deductible excess: for example basic care like the family docter can be visited at all times receiving full coverage without paying deductible excess. Once the sum of deductible excess is paid, all health care is hence fully covered.

Voluntary deductible excess

The obligatory deductible excess changes almost every year. The insurance premium that you pay for a basic healthcare insurance depends on the voluntary excess you’ve chosen. The higher the voluntary excess, the lower the premium for a basic healthcare insurance. You are able to increase your deductible excess with a maximum of €500,-. This will result in a lower premium and a deductible excess of €385,- (obligatory) + €500,- (voluntary) €885,-. Be aware that this means that the healthcare insurance will cover less of your expenses if you do need (expensive) treatment. A basic healthcare insurance does not cover all medical treatments and medicines. On top of a basic healthcare insurance it is possible to take a supplementary insurance with more coverage specifically for students. Good luck choosing your healthcare insurance!

Freedom of choice

The health insurance companies in the Netherlands often offer a variety of basic health insurances. Although the coverage of all basic packages is exactly the same, the freedom of choice concerning caregivers, like hospitals, can differ. A distinction can be made between the following insurance policies:

  • Restitution policy: 100% freedom of choice. This policy requires that you pay the health care cost in advance. Afterwards you receive full coverage en refund of your health care insurance.
  • Natura policy: this policy offers more limited freedom of choice between caregivers. Only caregivers that have a contract with your health care insurance are fully covered: in some cases the freedom of choice can be high due to the extensive amount of contracts. Bills from caregivers are directly send to your health insurance company, no need to pay in advance.
  • Budget policy: the budget policy limits your freedom of choice. This results in a lower premium for your basic insurance, however less freedom of choice. The budget polis also doesn’t require payment of health care costs in advance.

Urgent medical care

In case of emergency, limited freedom of choice does not apply. You will be brought to the nearest hospital for immediate care. The freedom of choice concerns planned and non-urgent health care.



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