A supplementary health insurance covers costs for care that falls outside the basic package, such as dental treatments, glasses, or additional physiotherapy. You decide for yourself whether you need such insurance and which package suits you best in Leiden.
What care is covered by a supplementary insurance?
Depending on the chosen package, you may receive reimbursements for:
- Dental care
- Glasses and contact lenses
- Physiotherapy (first 18-22 treatments)
- Alternative treatment methods
- Orthodontic treatments
- Additional support for medical aids
- Travel vaccinations
Overview of supplementary insurance packages
| Category | Reimbursements | Estimated premium |
|---|---|---|
| Standard supplementary | Limited dental and glasses coverage | €6-14/month |
| Comprehensive package | Broad coverage, additional physiotherapy | €16-32/month |
| All-in package | Full coverage for all types of care | €28-48/month |
| Dental package | Exclusively dental treatments | €9-38/month |
Acceptance conditions and health check
Unlike the basic insurance, insurers may reject your application for supplementary insurance or request a health declaration. Some advice:
- Opt for a supplementary insurance with the same provider as your basic insurance
- When switching within the same group, acceptance is often automatic
- Avoid coverage for pre-existing medical conditions to prevent rejection
Frequently asked questions about supplementary insurance in Leiden
Am I obliged to take out supplementary insurance?
No, taking out supplementary insurance is entirely voluntary. You can also choose to pay for additional healthcare costs yourself.
Is a separate dental insurance possible?
Yes, several insurers offer a specific dental insurance. Be aware of possible waiting periods before you can claim costs.
When can I adjust my supplementary package?
Usually, you can change or terminate your supplementary insurance at the end of the year, effective from the new year.
Additional questions and answers
How do I choose the best supplementary insurance in Leiden?
First, analyse your healthcare needs: do you visit the dentist often or do you regularly need new glasses? Then compare the packages offered by insurers in the region. A standard package is often sufficient for minor healthcare costs, while a comprehensive package is better for intensive care use. Use online tools to compare premiums and coverages.
What if I cancel my supplementary insurance and want to reinstate it later?
You can reapply for a cancelled insurance, but insurers may screen you again. This could mean you have to undergo a health check and may be rejected. Re-enrolment is often easier with the same insurer, usually within a year.
Can I change my package mid-term?
In principle, you can only adjust your supplementary insurance at the end of the year, effective from 1 January. Mid-term adjustments are rare, except in exceptional situations such as emigration. Consult your insurer’s policy terms and conditions.
Are all dental costs covered?
No, the reimbursement depends on your package and the treatment. Routine check-ups are often fully reimbursed, but for complex procedures such as implants or braces, an annual maximum often applies. Always check your policy.
What is the difference between a separate dental insurance and a package with dental coverage?
A separate dental insurance focuses exclusively on dental care, while a package with dental coverage also includes other forms of care such as physiotherapy. A standalone package is cheaper if you only want dental coverage, but a broader package offers more options for various healthcare needs.
How do I claim costs in Leiden?
Usually, you submit the invoice from your healthcare provider (e.g., dentist or physiotherapist) to your insurer via an app or online portal. Make sure to keep your receipts well.
Legal assistance in Leiden: For questions about insurance disputes, you can contact the Legal Aid Office Leiden, Stationsweg 46. Additionally, the District Court of The Hague, Leiden location, handles cases related to health insurance.