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Switching to another health insurer or policy: how does it work?

Choosing a new health insurance policy does not have to be difficult. If you know what to look out for, it's not too bad. Moreover, you can sometimes save many euros. We explain how switching works.

How does it work?

Many people look up to changing health insurance or health insurance provider. Often, however, this is unjustified. What is important before comparing is to know what care you want to insure. What coverage and supplementary insurance you need for the coming year.

Reflection period switching

The moment you decide to switch health insurance companies, you can purchase your new insurance online. This is subject to a statutory cooling-off period of 14 days. If you change your mind during this period, you can cancel the new health insurance at no cost.

Switching health insurance

If you choose to switch health insurance, in many cases it will be switching health insurers. However, if you are satisfied with your health insurer, but you want to change the content of your insurance then we also call this switching. For example, you can adjust your supplementary insurance policies, cancel them or take out a new one. You can also change the amount of your deductible each year. Until when you can make these changes varies between insurers. Often this will be until December 31 of that year.

Switching in the meantime

Switching is normally possible from mid-November until the end of December. However, there are a number of exceptions where you can switch in the interim. In this case, 'interim' means from 1 January to mid-November. These are the exceptions:

  • If the insured has just turned 18. In the first month after you turn 18, you must have taken out health insurance.
  • You have just come to live in the Netherlands
  • You are switching to a new employer collective bargaining unit.
  • After divorce: In this case, the policyholder is entitled to cancel the health insurance of his/her partner and children.

Tips for switching

Every year more than 1 million Dutch people switch health insurance. Did you know that by properly comparing your health insurance, you can quickly save many euros per year? Just make sure you have the right coverage. It is ultimately important that you have health insurance that suits your situation. A possible discount on one of the additional packages is a nice bonus, but by no means the most important thing. Read our tips for choosing the right health insurance here .

Our healthcare experts are here for you

Do you have questions about the above tips or would you prefer personal advice? No problem, we are happy to help! Our healthcare experts can be reached from Monday to Friday from 08.30 -17.00 on telephone number: 088 - 12 10 251.



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