A supplementary health insurance provides coverage 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 best suits you in Rijswijk.
What care is covered by a supplementary insurance?
The coverage of a supplementary insurance varies per package and may include, among other things:
- Dental care
- Glasses and contact lenses
- Physiotherapy (first 20 sessions)
- Alternative treatment methods
- Orthodontic treatments
- Extra reimbursement for medical aids
- Travel vaccinations
Overview of supplementary insurance types
| Category | What is covered? | Estimated premium |
|---|---|---|
| Standard supplementary | Limited reimbursement for dentist and glasses | € 5-15 per month |
| Extended package | More physiotherapy and broader coverage | € 15-30 per month |
| Comprehensive package | Maximum coverage in all areas | € 30-50 per month |
| Dentist coverage | Dental care only | € 10-40 per month |
Acceptance criteria and health check
In contrast to the basic insurance, insurers may reject you for a supplementary insurance or require a medical statement. Some tips:
- Take your supplementary package with the same provider as your basic insurance
- When switching within the same insurance group, often guaranteed acceptance
- Avoid applying for coverage for existing health problems
Frequently asked questions about supplementary insurances in Rijswijk
Do I have to take out a supplementary insurance?
No, this is entirely optional. You can also choose to pay extra healthcare costs yourself if that is more advantageous.
Can I take out only a dentist insurance?
Yes, various insurers offer a standalone dentist insurance. Be aware of possible waiting periods before you can submit costs.
When can I adjust my supplementary package?
Usually, you can only do this at the end of the year, effective from 1 January. Check the rules with your insurer.
Extra questions and answers
How do I choose the right supplementary insurance in Rijswijk?
First inventory your care needs: do you go to the dentist often or do you regularly need physiotherapy? Then compare the options from different providers. A standard package is often sufficient for occasional care, while a comprehensive package is better for intensive care use. Use online tools to compare premiums and coverages.
What if I cancel my supplementary insurance and want to take it out again later?
After cancellation, you can take out a new insurance, but you may be reassessed. This may mean you have to undergo a health check and can be refused. With the same insurer, acceptance is often easier, especially within a year after cancellation.
Can I change my package midway in Rijswijk?
Normally, you can only make changes at the end of the year. Mid-term adjustments are rare, except in exceptional situations such as emigration. Consult your insurer for specific conditions.
Is all dental care reimbursed?
No, the reimbursement depends on your package and the treatment. Basic treatments are often fully covered, but for more complex care such as implants or braces, there is often an annual maximum. Always check the policy details.
What is the difference between a standalone dentist insurance and a package with dentist coverage?
A standalone dentist insurance covers only dental care, while a supplementary package with dentist coverage also includes other care such as physiotherapy. A standalone package is cheaper if you only need dentist care, a broader package is more convenient if you have multiple care needs.
How do I claim costs in Rijswijk?
Usually, you submit the invoice from the care provider to your insurer, for example via an app or online portal. Ensure you submit the invoice in time to avoid delays.