Results Top 5 Health Insurance:

Top 5 Student Health Insurance 2019

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

1Besured Ruime Keuze

107,25 p/m

tick Vrije keuze van ziekenhuis

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

1FBTO Restitutiepolis

117,50 p/m

tick 100% Vrije keuze

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

1FBTO Naturapolis

109,95 p/m

tick Beperkte eigen keuze

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

1Nationale Nederlandenden Restitutiepolis

119,60 p/m

tick 100% Vrije keuze

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

1OHRA Zorgverzekering

116,30 p/m

tick 100% Vrije keuze

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

1ONVZ Vrije Keuze Basis

129,98 p/m

tick 100% Vrije keuze

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

1ProLife Principe Polis Budget

114,95 p/m

tick Beperkte eigen keuze

  • 85% Hospital coverage
  • 75% Physiotherapy & Clinic coverage

1ProLife Principe Polis

126,95 p/m

tick Vrije keuze van ziekenhuis

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

1ProLife Principe Polis Restitutie

133,75 p/m

tick 100% Vrije keuze

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

1Promovendum Naturapolis

107,25 p/m

tick Vrije keuze van ziekenhuis

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

1UnitedConsumers VGZ Eigen Keuze

114,25 p/m

tick 100% Vrije keuze

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

1UnitedConsumers VGZ Ruime Keuze

108,85 p/m

tick Vrije keuze van ziekenhuis

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

1ZieZo Selectiefpolis

101,95 p/m

tick Beperkte eigen keuze

  • 85% Hospital coverage
  • 75% Physiotherapy & Clinic coverage

1Zilveren Kruis Basis Budget

114,95 p/m

tick Beperkte eigen keuze

  • 85% Hospital coverage
  • 75% Physiotherapy & Clinic coverage

1Zilveren Kruis Basis Zeker

126,95 p/m

tick Vrije keuze van ziekenhuis

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

1Zilveren Kruis Exclusief

133,75 p/m

tick 100% Vrije keuze

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

1Zilveren Kruis Studenten Collectief

103,46 p/m

tick Beperkt, maar wel tot 15% korting op de aanvullende verzekering

  • 85% Hospital coverage
  • 75% Physiotherapy & Clinic coverage

1Zilveren Kruis Studenten Collectief Zeker

114,26 p/m

tick Vrije keuze van ziekenhuis

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

1Zilveren Kruis Studenten Collectief Exclusief

120,38 p/m

tick 100% Vrije keuze

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

1ZorgDirect Basispolis

118,66 p/m

tick 100% Vrije keuze

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

1Just Basispolis

113,20 p/m

tick Vrije keuze van ziekenhuis

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

1Bewuzt Basispolis

105,95 p/m

tick Vrije keuze van ziekenhuis

  • 100% Hospital coverage
  • 70% 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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