|
Can I myself stipulate at which health insurance fund I
do insure myself? Jazeker, you are entirely free in the choice of your
health insurance fund. That does not need be therefore the
health insurance fund from your region. Because there are is
large differences between the health insurance funds (in premium and
quality of the additional insurance) it certainly worth it make an
comparison on this site. You can request then directly the
Health Insurance desired by you.

What is the advantage by means of Independer of
concluding a health insurance? At Independer weet you absolutely certain that you get an
objective and independent recommendation. From ALL
(approximately 150) insurance gangbare in the Netherlands and on the
basis of your personal details and criteria the database of Independer selects the health insurance in the Netherlands, suitable
most for you. Moreover you get by handling an entirely tailored
cut tender with all data of the associated insurer in your own
personal and well screened offertemap on the site. We show you
thus all cover information of the product selected by you. Thus
you can assess optimally the price/quality proportion. And you
entirely yourself ascertain whether you want this insurance or not.

How does the recommendation of Independer come about? Independer use of the most complete database
of the Netherlands. By means of granting ASTRE can indicate you
by cover component how important you find compensation for the costs.
On the basis of we examine these preferences and your family
composition which (combinations of) additional insurance satisfies to
your wishes. This insurance presents we you, where the policy
with the lowest premium (nominally + additional) on top of state.
That is in principle therefore the products which best
connecting on your need. You have however also a triad other
selection possibilities: you can the five best proposers or the
five cheapest proposers select (independently of your requirements)
and you can also proposers still those select who (classified on
quality) satisfy maximum premium level to by you to stipulate.

How can I conclude a Health Insurance by means of
Independer? That goes very simple. After you have stipulated
your choice, you print the application form (that it has been already
mainly filled in with the data on the site, introduced by you).
You fill in still a number of questions, sign the form and it
sends you to Independer, department Independer in a
post-paid envelope. We look then all that at the health
insurance fund rightly come and keep you always on the altitude of all
developments. You can leave it with a rested heart to the
specialists of the Independer Verzekeringsdesk.

I work as a recall strength. Do I have submit an
application then? No, except if you are obliged give interview to your
recall, and every week at least one day works.

What costs a Health Insurance? A Health Insurance exists from a flat-rate and in terms of
percentage contribution. The flat-rate contribution collects the
health insurance fund and the contribution on a percentage basis is
implied by your employer or benefit agency.

What is the health insurance fund border/amount up to
which only tax on wages is deducted and not income tax?
The amount up to which only tax on wages is deducted and
not income tax for 2004 is as follows:
- Persons of 65 years and older: EUR 20,750.00
- Persons younger than 65 years: EUR
32,600.00
- Small self-employed persons: EUR 20,800.00
Qualifying date for entering employees is in principle 1
November. At change of employer it is sounded there by the date of entry into office.
Right to health insurance fund for small self-employed
persons is determined by the Tax and Customs Administration.

My woman has been insured individual, myself sit in the
health insurance fund. Can the children can at me in the health
insurance fund co-insured become? Your children can co-insured become if you are the
breadwinner. Of this talk is as entering on which health fund
insurance contribution is implied at least half amounts to of the
total family income. In that case your woman can also co-insured
becomes, if she does not oblige at least insured is in a civil servant
insurance (IZA, IZR or DGVP). If your woman breadwinner is, the
children individual must remain insured.

My zoon has been insured individual. How can I
avoid that he always as he vakantiebaantje has health insurance fund
be insured must? If he yielded longer than three months (aanééngesloten)
each works, he must insure himself health insurance fund. This
period is shorter, then he can individual remain insured. Over
the worked period he can request premium refund by means of a special
form at the health insurance fund.

Have I been insured entirely as a health insurance fund
patient against medical expenses if I am on holiday abroad?
The Health Insurance offers exclusively shelter in
countries with which the Netherlands has concluded an agreement
(countries of the EC, Morocco, Turkey, Tunisia, kaapverdische islands,
Australia and the countries of the former Yugoslavia). By
treaty country a compensation percentage has been stipulated.
The compensation can disappoint considerably. An
additional insurance compensates for generally, however, spoedeisende
medical aid and repatriation of patients and wound. A travel
insurance is recommend generally, however.

If I am entitled to the health insurance fund, am I then
oblige present me? Yes, beside your employer or paying agency,
you also yourself have the duty present you at a health insurance
fund.

When does the right to compensation enter? The right to compensation enters per layout date of the
ziekenfondspolis. You are contribution flat-rate chargeable as
from the date that you are entitled to the health insurance fund.
By swift application you can recover twice paid premium at the
health insurance fund.

How long am I stuck to a Health Insurance? A Health Insurance can cancel you at the end of a complete calender year (two months notice) or at
beeindiging of the juridical foundation. To additional insurance
a longer contract duration can apply.

|