Switching health insurance
Switching Health Insurance
The end of the year is approaching and that means you have the opportunity to switch to another health insurance company. As a pharmacy, we would like to inform you how it works and what to look out for when switching.
Receiving the new policy
Last month you received the policy for the coming year from your health insurer. It is important to review it carefully, because your health care needs may change. So too your need for medicines and medical devices. Insurers adjust the policy conditions every year. The image shows which health insurers do and do not reimburse medications and medical devices.
Reductible and additional insurance
The mandatory deductible for basic insurance in 2025 is €385. You can increase this voluntarily in exchange for a lower premium. In addition, you can choose supplementary insurance for care not included in the basic package.
Switching: how and when
Want to switch? Then cancel your current health insurance before January 1. You then have until February 1 to take out new insurance, which will take effect retroactively from January 1. Many new health insurers offer a switching service and will cancel your old insurance for you if you take out a new policy by December 31.
Check the policy conditions
Health insurers can change the policy conditions every year. So it is important to check if the terms of your current policy still fit your needs and situation.
Compare health insurance
Now that the premiums have been announced, now is the time to compare different health insurance policies on premium, coverage and which health care providers (including pharmacies) the insurer has a contract with.
