The end of the year is coming again. This means that you can switch to a different health insurance if necessary. But which health insurance should you choose for the upcoming year? Don't worry, in this blog, I'll take you through the key considerations for selecting your ideal health insurance.
Assess your current health condition
It's important to first assess your health condition. Do you require regular medical care, such as medications or physiotherapy? Or are you generally healthy and rarely use medical services? By carefully examining your health needs, you can more easily determine which coverage suits you best.
For example: Suppose you're a sports enthusiast and experience sports injuries every year. Additional insurance coverage for physiotherapy may be essential in this case.
Consider your lifestyle and family situation
If you enjoy traveling abroad, ensure that you're covered for healthcare. Anyone with Dutch health insurance has worldwide coverage. However, there may be cases where your health insurance doesn't cover all expenses. You might need additional insurance or travel insurance for this purpose.
Also, think carefully about your family situation. If you have a family or are expecting a child, you may require comprehensive coverage for children or maternity care.
For example: A young family may benefit from health insurance with extensive coverage for pediatric care and vaccinations.
Consider supplementary insurance
In addition to basic insurance, it's wise to look into supplementary insurance options that cover specific needs. This could include dental care or physiotherapy. If you wear glasses, supplementary insurance for eyeglasses could also be a smart choice. Determine which additional coverages are relevant to you.
Pay attention to the deductible
Consider which deductible suits you. The deductible is the amount you must pay out of pocket before your insurance starts covering costs. A higher deductible can lead to lower premiums, but make sure you can afford this amount if necessary.
If you opt for a higher deductible to keep your premiums low, it's advisable to have some money set aside for unexpected medical expenses.
