You should have received notification from your employer if they have concluded a contract with VPZ. If you have not received notification but believe that VPZ may enhance your employee benefits, then please feel free to draw your employer’s attention to our insurance options.

Once your employer has concluded a group health insurance policy with VPZ you will receive information leaflets containing all the options available to you. You can register simply by using the login code and password sent to you. You will receive an overview of the options available during the registration process.

The benefits consist of a discount on the premium.

You will receive a competitive discount on the premiums. You will benefit from an excellent level of cover which has been created especially for you in collaboration with your employer. Any children younger than 18 years old are included free of charge on the policy.

Yes. VPZ will make sure your existing insurance is cancelled seamlessly and in a timely fashion.

Yes. VPZ accepts everybody for the basic insurance policy and additional insurance. A declaration will need to be completed for some types of dental care. If you were insured for dental costs with your previous insurer then VPZ will offer you comparable cover as a minimum without you having to complete a declaration.

Yes. VPZ will take over the exiting authorisations. Therefore you will not have to request re-approval for treatments or medical aids already approved. VPZ will takeover authorisation as soon as we have received a copy of the authorisation.

You are free to choose a additional insurance from within these additional insurances. It is possible that your employer may have decided to agree an additional insurance for you, the employee. You will always be automatically insured as part of the additional insurance agreed by your employer.

Once your employer has concluded a group health insurance policy with VPZ you can simply consult the premium table and policy terms using the login code and password sent to you.

Changes can be brought to our attention in a number of ways including in writing or via the internet.

The premium will need to be paid on the first day of the month following their 18th birthday.

Yes, you can take out a VPZ insurance policy during your (temporary) stay abroad.

Yes. Depending on your situation VPZ will determine whether you will remain covered by the basic insurance policy. If that isn’t the case then VPZ will offer a suitable solution for the insurance. This means that you will continue to enjoy sufficient insurance benefits abroad. Refer also to the Expat insurance page for more information.

A European Health Insurance card (EHIC) is an identity card entitling you to medical care in Europe.
Note: The card does not cover costs if you are travelling abroad to receive medical treatment. Where is the card valid?
The new European health insurance card is valid in:

• the countries of the European Union
• Australia
• Iceland
• Liechtenstein
• Norway
• Switzerland

The card (officially referred to as the “'European Health Insurance Card” or “EHIC” is issued to individuals. You should therefore also request cards for any family members, as well as yourself, including children under 18.

As of the first of January 2011 it will be possible to apply for an European Health insurance Card (EHIC) via the internet (www.ehic.nl)

You can send this, including your policy number to:
VPZ Assuradeuren bv, Postbus 2868, 6401 DJ Heerlen.

You can cancel your current insurance policy annually up to the first of January. You are then able to register with VPZ till the first of February.

If, unfortunately, you are not satisfied with our service or the processing of your policy or declaration, then please write to the VPZ manager responsible for authorisations (volmachten) who will assess your complaint on behalf of the board and will reply to you.

VPZ is registered with the Insurance Complaints Institute (Klachteninstituut Verzekeringen) in The Hague under number 20025776.

Complaints regarding the basic Health insurance policy can be directed to the following body once VPZ has issued its definitive assessment:
Insurance Complaints and Disputes / Stichting Klachten en Geschillen Zorgverzekeringen
Postbus 291
3700 AG ZEIST

Yes, but there is a possibility that you may receive compensation. For instance, people residing in care homes or having to use certain medications long-term will receive a contribution towards the policy excess. This also applies to residents of AWBZ institutions treating people with long-term illnesses, who may not necessarily require medication. More information is available from the CAK website.

You will receive compensation automatically through the CAK/ Central Administration Bureau. CAK receives information from the insurers regarding those individuals who are entitled to compensation. Payments are made in the last quarter of the year following receipt of a letter regarding the level of compensation. If you do not agree with the level of compensation, you may submit a complaint using an appeal form which is downloadable from the CAK website.

The healthcare benefit is a form of compensation for those policyholders on low incomes who receive a contribution towards the premium to be paid for the Basic Insurance. Only policyholders with incomes below pre-set income thresholds will be considered for the healthcare benefit.

More information is available from Tax and Customs Administration / (Belastingdienst/Toeslagen). You can also call the Tax and Customs Administration on telephone number 0800 – 0543.

The level of your healthcare benefit depends on your taxable income. This includes both your and your partner’s incomes. Children's income is not included in this assessment.

The level of your healthcare benefit does not depend on the actual level of premium you have to pay for Basic Insurance. Payments of lower premiums due to the policy excess or group insurance will not affect your healthcare benefit.

More information is available from Tax and Customs Administration / (Belastingdienst/Toeslagen). You can also call the Tax and Customs Administration on telephone number 0800 – 0543.

The healthcare benefit can be requested from Tax and Customs Administration / (Belastingdienst/Toeslagen). You can also call the Tax and Customs Administration on telephone number 0800 – 0543.

Every insured person of eighteen years of age and older has an obligatory excess. In 2011 it is amounted to € 170,-. In 2012 the obligatory excess amounts to € 220,-. You can also choose to raise the voluntary excess with € 100,- to € 500,- per calendar year. If you choose for a voluntary excess you receive a discount on the basic insurance premium.

No, there is no connection between the obligatory excess and the health care allowance.

The obligatory excess does not apply to:

• costs of care by a general practitioner;
• the maternity care and obstetric care costs;
• costs related to dental care for insured persons up to the age of 22 with the exception of specialist dental surgery with corresponding x-ray examinations and removable full prosthetic devices;
• medical appliances on loan.

Yes, the contraceptive pill falls under the obligatory excess. From 2011 there is no reimbursement for the contracepticve pill for women aged 21 and above under the conditions of the basic health insurance.

No, you will not be reimbursed for the remaining amount of money.

It is decided that a personal contribution is due for some reimbursements (e.g. medical appliances and costs of transportation). Personal contribution and obligatory excess are two different terms. So even if you have paid a personal contribution, it is possible that we ask you to settle the obligatory excess.

No, these costs do not fall under the health insurance and therefore have no consequences for your obligatory excess.