Taking out your first health insurance can be exciting. Where do you start?, and what do you really need?? Here are some helpful tips to get you started, so that you can choose the right health insurance with a good feeling.
Are you a student and don't want to pay too much?? Many health insurers offer special discount health insurance for students. These insurance policies are often tailored to what you as a student really use.
Consider physiotherapy after a sporting accident or reimbursement for contraception.
A student discount like this can really save you something, so it's worth checking if you qualify. Compare the different options and see whether student health insurance suits you.
What should you pay attention to when taking out your first care package??Studentenkorting
Cheap insurance for young people
Young people often have few health care costs, and insurers are responding smartly to this. Are you younger than 30? Then there are special ones youth health insurance which are often cheaper than regular packages. These insurance policies often have a lower premium because they are tailored to what young people need.
For example, you get coverage for basic care without extensive extras that you probably won't use. Sometimes you even get extras such as discounts at the gym or an online consultation. If you don't need comprehensive coverage, Youth health insurance is therefore an excellent way to save money.
Own risk
The deductible is something you really have to look at carefully. In the Netherlands, for most healthcare costs, you first pay the first €385 yourself, before your health insurance covers the rest.
This is your standard deductible. But did you know that you can also increase the deductible to a maximum of €885? You do this, then you pay less premium per month.
This can be useful if you think you will incur few healthcare costs. But keep in mind that with a higher deductible, you also have to pay more yourself if you do have something. Do you expect to have few healthcare costs?, then this can be a smart way to reduce your monthly costs.
Additional insurance or not?
Basic insurance already covers a lot, maar niet alles. For things like dental care, physiotherapy and alternative care, you usually have to take out additional insurance. Such additional insurance is useful if you really need this care, but also costs extra money.
Do you hardly expect to use this care?? Then it may be cheaper to pay individual costs yourself. For example, additional insurance is useful for people who regularly visit the dentist or often need physiotherapy, but not everyone has that.
Look carefully at what you need and make a choice based on that.
With these tips you can specifically search for a health insurance policy that really suits you. Take your time to put the options side by side and compare them thoroughly.
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