Annually, you have the opportunity to switch health insurers. Compare costs and policy conditions and arrange your switch before 1 January.
When can you switch?
Switching health insurers is possible annually:
- Cancelling your current insurance can be done up to and including 31 December
- Concluding a new policy can be done up to 31 January at the latest
- Your new insurance starts on 1 January
Step-by-step plan for switching
- Search and compare health insurance policies via platforms such as Independer or Zorgwijzer
- Select a new policy before 1 February
- Your new insurer handles the cancellation of your old policy
- From 1 January, you are insured with the new provider
Important considerations when switching
| Aspect | Explanation |
|---|---|
| Supplementary coverage | No guarantee of acceptance |
| Debts or arrears | Must first be settled before you can switch |
| Current treatments | An authorisation may lapse |
| Deductible | Starts anew with the new insurer |
Mandatory acceptance for basic coverage
For the basic insurance, there is an acceptance obligation: insurers must accept you, regardless of health or age. However, this does not apply to additional coverages.
Frequently asked questions about switching in Utrecht
Is switching midway through the year possible?
Only in case of a premium increase or changed conditions. You then have 30 days to cancel.
What happens to my current treatment?
Check with your new insurer whether the treatment is covered. Sometimes you need to apply for new permission.
Do I need to cancel my old insurer myself?
No, your new insurer handles this if you switch before 1 February.
Legal assistance in Utrecht
For questions or disputes about health insurance, you can go to the Juridisch Loket Utrecht at Catharijnesingel 55. In addition, the Rechtbank Midden-Nederland (Vrouwe Justitiaplein 1) handles legal matters regarding insurance issues.