A supplementary health insurance provides coverage for costs that fall outside the basic package, such as dental care, glasses or extra physiotherapy treatments. You decide for yourself whether to take out such an insurance and which package best suits you.
What care is covered by a supplementary insurance?
The coverage of a supplementary insurance varies per package, but may include, among other things:
- Treatments at the dentist
- Costs for glasses or contact lenses
- Physiotherapy (often the first 20 sessions)
- Alternative treatment methods
- Orthodontic care
- Extra reimbursements for medical aids
- Travel vaccinations
Overview of supplementary insurance types
| Category | What is covered? | Average 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 | Full coverage in all areas | € 30-50 per month |
| Dental insurance | Dentist costs only | € 10-40 per month |
Acceptance conditions and health check
In contrast to the basic insurance, insurers can reject you for a supplementary insurance or require a medical statement. Some tips:
- Choose a supplementary insurance from the same provider as your basic insurance
- When switching within the same group, acceptance is often automatic
- Avoid applying for coverage for existing health problems
Frequently asked questions about supplementary insurances in Westland
Do I have to take out a supplementary insurance?
No, this is not mandatory. You can choose to pay extra healthcare costs yourself if that is more advantageous.
Is a standalone dental insurance possible?
Yes, various insurers offer a separate dental insurance. Take into account possible waiting periods before you can submit costs.
Can I adjust my supplementary insurance during the year?
Usually, you can only make adjustments or cancellations at the end of the year, effective from 1 January.
Extra questions and answers
How do I choose the right supplementary insurance in Westland?
First map out your healthcare needs: do you go to the dentist often or do you need glasses? Then compare the options from insurers in the region. A standard package suffices for occasional care, while a comprehensive package is better for intensive healthcare use. Use comparison sites for a clear overview of costs and coverage.
What if I cancel my supplementary insurance and want it again later?
After cancellation, you can take out a new insurance, but insurers may screen you again. This may mean you have to fill in a health declaration and possibly be rejected. Re-enrollment with the same provider is often easier, provided it is within a certain period (usually 1 year).
Can I change my insurance midway?
In general, mid-term adjustments are not possible, except in exceptional situations such as emigration. Check the specific rules with your insurer.
Are all dental costs 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, there is often an annual maximum. Consult your policy for details.
What is the difference between a standalone dental insurance and a package with dental coverage?
A standalone dental insurance covers only dental care, while a package with dental coverage often also includes other care such as physiotherapy. A standalone insurance is cheaper if you only need dental care, but a broader package is convenient for diverse healthcare needs.
How do I claim costs in Westland?
With most insurers, you submit bills from healthcare providers via their online portal or app. Make sure to keep the invoices properly and check if the treatment falls under your coverage.