A supplementary health insurance covers costs for care that falls outside the basic package, such as dental treatments, glasses or extra physiotherapy. You decide for yourself whether you need such an insurance and which one suits you best.
What care is covered by a supplementary insurance?
The coverage depends on the chosen package. Common reimbursements include, among others:
- Dental care
- Glasses and contact lenses
- Physiotherapy (first 20 sessions)
- Alternative treatment methods
- Orthodontic care
- Extra support for medical aids
- Travel vaccinations
Overview of supplementary insurance packages
| Category | Reimbursement | Average premium |
|---|---|---|
| Standard supplementary | Limited reimbursement for dentist and glasses | € 5-15 per month |
| Extended package | Broader coverage, more physiotherapy | € 15-30 per month |
| All-inclusive | Full coverage for various care | € 30-50 per month |
| Dental package | Dental treatments only | € 10-40 per month |
Acceptance conditions and health check
In contrast to the basic insurance, insurers may refuse you for a supplementary package or request a health declaration. Some tips:
- Take out supplementary insurance with the same provider as your basic insurance
- When switching within the same group, acceptance is often automatic
- Avoid applying for coverage for existing health problems
Frequently asked questions about supplementary insurances in Utrecht
Am I required to take out a supplementary insurance?
No, it is not mandatory. You can choose to pay extra care costs yourself if they are not included in the basic package.
Can I take out only dental coverage?
Yes, various insurers offer specific dental insurances. Be aware of possible waiting periods before you can claim costs.
When can I adjust my supplementary insurance?
Usually, you can change or terminate your package at the end of the year, effective from the new year.
Legal support in Utrecht
For questions or disputes about your health insurance, in Utrecht you can go to:
- Rechtbank Midden-Nederland, Vrouwe Justitiaplein 1
- Juridisch Loket Utrecht, Catharijnesingel 55
Practical tips for choosing a package
First map out your care needs: do you go to the dentist often or do you need physiotherapy? Then compare the options from different providers. A standard package is often sufficient for occasional care, while an extended package is better for regular care costs. Use online tools to compare premiums and coverages.