Health Insurance Plan What

Health Insurance Plan § § § § What is covered under a health insurance plan ? What is mandatory and what is additional ? How to claim ? What is special for me ? What are the cost involved ? Is there any financial support by the government ? When do I start this insurance ?

What is covered under the health insurance plan The contents of a health insurance plan is basically set by the government and is valid for all people insured under the basic scheme. A full description of the cover is being given to you, so that you may be fully aware of which medical treatment is being paid for. All cost concerned are directly paid by the insurance company. The only thing you have to do is to show your insurance identification card, which you will receive automatically when applying for a health insurance plan with one of the insurance companies working in the Netherlands.

What is mandatory and what is additional Mandatory is the cover that is related to the basic insurance. Additional is optional and can have different implications on the choices you can make, offered by the various insurance company. We show you one additional cover, offered by us through our LIC Health Plan. The conditions will be hand over to you during this seminar.

How to claim Medical treatments, made under the basic or standard insurance cover are being paid directly by the insurance company. When having treatment you have to show your insurance identification card to the medical provider. All treatments, made under the additional cover, are to be paid by yourself, after which you can declare the cost with your insurance company, who than will reimburse you on the basis of the conditions of the additional insurance. Insurance companies are obliged to charge you the own risk of € 170 per adult per year; this will done by an additional invoice. In some cases treatments under the additional cover will be paid directly by the insurance company to the medical provider, such as dental treatment.

What is special for me ? The special cover for Korean clients on the additional cover on the LIC Health Plan are e. g. an extensive cover for dental treatment up to € 2, 269, 00 person per year. Glasses and lenses up to € 227, 00 person per year, and repatriation to your home country up to € 9. 076. 00. Furthermore an extensive list of supplementary cover (see overview).

What are the cost involved ? The premium for the standard health insurance plan per January 1, 2011 is: € 98, 35 per month or € 1, 144. 76 per year The premium for the supplementary health insurance plan is: € 84, 46 per month or € 983, 11 per year No premium payment for children up to 18 years of age. A goverment set own risk of € 170, 00 per adult per year is applicable.

Is there any financial support by the government ? When you are over 18 years of age you may apply for a government allowance to be calculated on your annual income. If your individual income is over € 33, 743. 00 you will not be eligible to such allowance. For couples this income is over € 50, 000. You can apply for this allowance with the Tax Authority (Belastingdienst) at your place of residence.

When to start the health insurance plan ? The annual renewal date of all Dutch health plans is January 1. Should you arrive into the Netherlands and receive a residence permit you must apply immediately. See also information on sheet supplied regarding “kennisimmigrant”. You trespass the law if you do not apply for this insurance, and will be fined accordingly.

Car insurance All motorvehicles in Europe (and so in the Netherlands) must have an insurance at least for Third Party Liability, for damages done to others (third party). The insurance covers the main driver and the second driver. Any other is covered if the car owner has given permission to drive the car (or motorbike). A full comprehensive cover (for all damages to your own car) is advisable if your car is new or not older than 4 years. An additional cover to the Third Party Liability cover is a restricted cover, including fire, theft, storm, joy-riding and car glass.

Car insurance premiums Premiums for car insurance differ much. The premiums are based on the car details, personal details of driver, no-claims history. For Koreans we honour the government supplied certificate for claims free driving.

Household insurance package In the Netherlands it is very common to apply for household contents insurance, to safeguard the personal belongings against perils like fire, waterdamage, storm, leakage of pipes and aquariums, burglary, vandalism. The premium is calculated on the value of your personal belongings. Jewellery and prescious articles are also to be covered; we advise to do so on the basis of an appraisal by a jeweller. If you have your own house (property) be sure to insurance such against the perils as described.

Public Liability Insurance This type of insurance is very common in the Netherlands and about 90 % of the Dutch population has such an insurance. It covers against the risk that you are held liable for physical and material damage to a third party caused by you, your family members of your pets. No cover for liability for driving a motorcar/bike since that is covered under the motorcar insurance. The premium for this type of insurance is around € 50, 00 per year