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Care insurance deadline postponed
| 22 February 2006 | 09:13:59
The deadline of 1 March to make a overstap yes or no to another care insurer has been postponed with a week, this reported the news vanmorgen on the radio.
This concerning still the large number of people which does not know what to choose, and them this way still to what extra time for reflection to give.
Source: DUTCH PRESS AGENCY news
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You make point!

Collective offer invites to changes
| 10 February 2006 | 16:02:10

More than half of the Dutch does not say will change of care insurer: 46.1% the offer of its or its care insurer for the new policy accepts; 6.9% remain but want another then offered policy because cover is of it too vast and/or the premium too high.  


8.6% says have decided change already to another insurer. Largely half of the overstappers does this because they have got an attractive offer for a collective insurance.  

Middle and high trained consumers say significantly less frequently that they already decided have, then low opgeleiden; 38.3% of the consumers doubts still.
This becomes clear from research of the consumer panel health care of the NIVEL (Dutch institute for research of the health care), subsidised by the Ministry of Health, Welfare and Sport.

The percentage that to consumers indicates change will lie clearly higher than the percentage health insurance fund patients that changed annually under the old scheme of insurer. That fluctuated for years around the 3%.
The consumers who say change at this moment at to another insurer give for that if most important reasons on that they have got an attractive offer for a collective insurance (57.6% of the overstappers). Moreover much are called reason that they the premium too high find (42.4%). Then by 17.8% a too restricted cover being called, 11.8% dissatisfaction concerning the service of its own insurer called as a reason to want step concerning. The link between to change of care insurer and collective is not insured what now strong present seems, existed in the past.
Also under people who doubt still, an offer for a collective insurance plays a role at more than one third. Of the doubt arse approximately half (49.6%) says that they indeed well finds the offer of their own insurer, but that another care insurer possibly has still more better an offer. Other reasons to doubt that one has also an attractive offer have been received for a collective insurance (36.6% of the doubt arse), which one the premium too high finds (27.3%) that one cover too vast (13.5%) or correctly too limit (6,4%) find.
NIVEL programme LEADER Diana Delnoij conclude concerning the reasons for people who really intend change or with this idea play the following: Motivation to change seems especially motivated by financial considerations and not by quality differences. Consumers doubt especially when they have got a cheaper collective offer.

What will do the doubt arse?
It is not simple in what to value actually will decide the doubt arse (38.3% of the respondenten) in the coming one and a half month. If we descend on the experiences with changing insurer under the old Health Insurance Act, we are able expect that the major majority of the doubt arse eventually nevertheless at its or its old insurer will remain. More rather research showed, as it happens, that of the health insurance fund patients who in a preceding period of 6 months sometimes had predominated of insurer change only 15% did this also really. Couple who this would apply also to the current doubt arse then the percentage consumers will change that to another insurer, eventually end up on something more than 14%. the question is however if such an extrapolation at his place is. The previous months have put care insurers much time and money in making publicity. People will penetrate at this moment more than ever be of the fact that they can change. That in consideration taken means that the percentage changers of care insurer will burst out thus possibly higher.
 
Source: NIVEL

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VGZ cancel unilateral zorgpolis
| 10 February 2006 | 16:00:34

Care insurer VGZ beginning this year the zorgpolis contact of approximately five hundred employees of Kpn-dochters SNT the Netherlands have concluded and KPN. The employees have of it not been put, but came then they at the apothecary suddenly cash had pay for medecines and them claims got returned, told policy employee M. Patijn van SNT the Netherlands Tuesday. He who VGZ rang, got that to hear he or they had been no longer insured.


VGZ IZA recognise that all individual policies by 1 January have been cancelled. Employer SNT to this end task had given, because he with a collective contract wants another insurer conclude, said a spokesman of the care insurer.

Patijn are furious. "that is possible an employer not even." The employer has, however, terminated the collective contract and the employees informed concerning there. But individual contracts do not conclude on behalf of the employees are possible an employer, he puts.

Patijn and are colleagues did what minister Hoogervorst (public health) recommended: the time to take because they could 2006 cancel up to 1 March their current insurance. He who undertakes nothing remains insured up to that time and gets an appropriate offer of its or its present insurer, the message of the ministry has always been.

But that last offer has not done VGZ never, also after several requests of SNT the Netherlands that still to do. According to Patijn the insurer says that this is not possible. Efforts have one letter have been now only produced in which appears that ex-verzekerden can communicate themselves at VGZ if they want remain at the insurer. He who the antwoordstrookje fill in at the letter accepts a new insurance at VGZ, but this year can no longer change then.

Minister Hoogervorst is not glad with the defined pace of matter. He does not find this the way on which must be handled insured people, thus he lets know by means of for in response. "it deserves certainly no schoonheidsprijs." For the has been emphasised, however, that people who communicate themselves for 1 March at an insurer anyhow with retroactive effect up to 1 January are insured. Itself-paid apothecary accounts can be declared then still.

CDA has meanwhile asked the minister for clarification. The party wants know of Hoogervorst or VGZ can withdraw themselves to the appointment that which does nothing nevertheless insured remains. Cda-Kamerlid Omtzigt also wonders itself if the policies of individual employees can an insurer and an employer conclude.

Source: Telegraph
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' care insurers dive in red figures '
Personal | 07 December 2005 | 16:53:02
ERIC BASSANT

THE HAGUE - the care insurers dive next year in the red figures. That predicts general bontje of cupola organisation care insurers the Netherlands to director Martin. The reason is the price battle for the consumer. ' if I see what now happens, I donot can present that the next year black figures become myself ', thus bontje Thursday on a meeting in The Hague.

After the other care insurer comes as many draw customers as possible with premium offers for the basis insurance, which is introduced by 1 January 2006. Frequently the care insurance under the cost is offered to large groups (collectiviteiten) conquer market share. On an already sharp premium of for example euro1050 discount is still given. ' the consequence is that the reserves evaporate ', says bontje.

Especially the private care insurers use the weapon. Interpolis offer euro1056 still 7.5% discounts to all members of the Rabobank on a premium of. Achmea Zilveren cross offer a premium under euro 1000 to people who have been dovetailed a sport club which is member of the federation NOC-NSF.

Menzis, which have many health insurance fund patients in its file, ask to Fnv-leden also less than euro 1000.

Source: The financial daily
http://zorgverzekering.rekenmodules.nl  
 
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When do I qualify for care allowance?
Personal | 27 November 2005 | 12:18:54
You qualify as an adult for care allowance as:

* You single is with a test income up to 25,000 gross. You have maximum right to approximately 400 euro care allowance per year.

* Form you with an others household and your test income amounts to maximum 40,000 euro (wound up) per year. You have maximum right to approximately 1,150 euro care allowance per year.

For the concrete altitude of your care allowance we refer to the allowance meter on www.toeslagen.nl.
 
And for further information look on of the following sites:
 
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' many people do messages with care allowance '
Personal | 23 November 2005 | 16:24:10
THE HAGUE - almost do not use half of the Dutch which receives a care allowance, these complete for payment of the care costs. They do the messages, pay being open accounts or spend it on the fixed charges. That becomes clear published from Wednesday research of TNS nipo for incassobureau Intrum Justitia.

Among others elderly associations and social services make themselves look concerning people who do not use the care allowance for which is meant that. The consequence can be that people do not pay their premium and uninsured to touch.
 

 
According to the last figures 5.3 million Dutch has meanwhile requested a care allowance at the Tax and Customs Administration. With the allowance people can pay the higher premium which they are lost to the new health insurance which enters next year.
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updatje
Personal | 23 November 2005 | 16:21:16
Vanmorgen in the RTL news:
 
One can stop their current care insurance up to March 2006,
and up to May 2006 choose which new care insurance chooses them.
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Proposition
Personal | 17 November 2005 | 16:06:31
There much chattering concerning the new care insurance for everyone becomes. Generally the responses are negative: the insurance would will float especially much costs and people on costs. But there are also positive sounds: according to the NPCF the verzkering correct voordeling would be for people with a chronic sickness. How do you stand there compared with?
 
Your response to this proposition leaves behind
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What means the new care insurance for me personally?
| 15 November 2005 | 12:51:52
The new care insurance overstap.
Everyone has heard, but many have insipid idea still no what it implies nou exactly.
Furthermore it also a subject is where in fact a nobody can give exact answer on.
 
Here a summary of me follows from Article of the Brabantine daily.
 
You can wait best to which care insurer with the best offer comes, what the bests are appropriate at the user.
That on you inzinken let go through, well and with another insurer verglijken.
That is still easy, simply choose what most beautiful seems.
But the financiele square is more difficult.
There are, as it happens, appalling many possibilities,
According to the Sociale Verzekeringsbank, which regulates the AOW, there are 400,000 different situations at example only already at 2.5 the million old age pensioners.
Also might will there just be looked at at the first salary payment in January what is the impact.
 
Each Dutchman has been obliged to have insured.
The meesten this for itself regulate, for children possibly regulates the parents this, and can an employer this for its staff do.
For the rest are there legal representatives, curators and counsellors.
 
Which choices offer a new care insurance?
1: everyone can choose its own insurer
2. everyone can itself molars or he yes or no takes its own risk.
3. can choose everyone between naturapolis (all accounts directly to the insurer) or restitutiepolis (compensation of made costs)
4. everyone can itself its general practitioner choose and the specialist or other care provider where he is referred to.
 
VGZ are an insurer who only offers naturapolis.
This loves 100 per cent in that them the care offer in the Netherlands has contracted and therefore their insured people so who so have all freedom in the choice of their own care provider where thus.
There is no administrative gedoe between insurer and insured this way.
 
Furthermore there is a misfiring or all members of a family at the same insurer must be connected.
This is not the case. The care insurance is an individual insurance. As from 18jaar the verpplicht are their own have insurance, you get then his own policy.
 
The government has also said that the care insurers of basis insurance have an acceptance duty, and each aanmelder must adopt therefore.
Because of this it remains particularly for the elderly, chronically patients and people with health risks easier of care insurer change. 96% of the care sit in the basis insurance.
 
This was my summary,
Responses are most welcome
 
Jan
 
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Care insurance unwieldly
| 15 November 2005 | 12:36:15
Welcome on my care insurance-unwieldly
Because there rather what is obscurities around the project mass concerning step to care insurers will I try in these unwieldly by means of nieuwsberichten, and propositions clarity to create.
 
Responses to each Article, each mail, and proposition are certainly most welcome, this stimulated to post more
 
mvg,
 
Jan - fish-waggon
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Home developed point.Netherlands | since: 2005-11-15

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