The deductible is the amount that you must first pay for healthcare costs yourself, before you receive reimbursement from the health insurer. In 2023 the (mandatory) deductible is €385,-
The deductible only applies to care under the basic health insurance policy.
Good to know The higher the deductible, the lower the health insurance premium.
Obligatory excess €385,-
Max. voluntary excess €885,-
Many health insurers do not conclude a contract with all health care providers. Most insurance companies offer you a wide choice of hospitals, so you can go almost anywhere. With free choice of healthcare you can decide for yourself which hospital you go to.
Good to know You can always go to all hospitals for emergency care.
100% Free choice policy
In addition to your basic health insurance, you can also choose to take out a Supplemental package. Supplemental health insurance has no influence on the Deductible excess. The below mentioned additional packages are most often taken out?
What dental costs do you expect next year? Dental insurance often reimburses a percentage of the costs. Always check the conditions carefully.
Good to know Dental insurance policies generally do not reimburse orthodontics, the reimbursement is often included in Supplemental insurance policies.
Do you also want reimbursement for orthodontics? Insurers make a distinction based on age: there are different packages for adults and children.
Health insurers often offer a discount when you pay per year. Handy to include in the comparison.