Annually, you have the opportunity to switch health insurers. Compare the costs and policy conditions and make your switch before 1 January.
When can you switch?
Switching health insurers is possible every year:
- Cancelling your current insurance can be done up to and including 31 December
- Taking out a new insurance can be done up to and including 31 January
- The start date of your new insurance is always 1 January
Step-by-step plan for switching
- Search and compare health insurances 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 your new provider
Important considerations when switching
| Aspect | Explanation |
|---|---|
| Supplementary coverage | Acceptance is not always guaranteed |
| Debts or arrears | These must first be settled before switching |
| Current treatments | An existing authorisation may lapse |
| Deductible | Starts anew with the new insurer |
Acceptance obligation for basic coverage
For the basic insurance, there is an acceptance obligation: insurers may not refuse you, regardless of your health or age. This obligation does not apply to supplementary packages.
Frequently asked questions about switching
Is switching mid-term possible?
Only in case of a premium increase or changed conditions. You then have 30 days to cancel.
What happens to an ongoing treatment?
Check with your new insurer whether the treatment is covered. Sometimes a new approval is required.
Do I have to cancel my old insurance myself?
No, your new insurer arranges this if you switch before 1 February.
Extra information for Rijswijk
Do you have questions about switching health insurers or need legal assistance in Rijswijk? Contact the Juridisch Loket Rijswijk for free advice. For legal disputes, you can go to the Rechtbank Den Haag, the district court under which Rijswijk falls.
Practical tips for comparing
Use comparison sites such as Independer or the Consumentenbond to compare not only premiums, but also coverages and service. Check whether your healthcare provider has a contract with the new insurer to avoid unexpected costs.