Are there additional or supplementary insurance options?

Yes. Besides the basic health insurance, ONVZ offers supplementary insurance packages (e.g. dental, travel, etc.) depending on need.

What maternity care (kraamzorg) services are offered?

ONVZ offers a service to arrange maternity care; pregnant policyholders can request help via their Kraamzorg Service.

What is a ZorgConsulent and what do they do?

The ZorgConsulent is an advisor at ONVZ who helps insured people find care options, mediates waiting lists, provides health information and supports with healthcare choices.

What is “eigen risico” and how does it apply?

Eigen risico is the mandatory deductible in the Dutch basic health insurance; you must pay a certain amount of costs yourself before insurance starts covering.

How does switching insurance work with ONVZ?

You can switch health insurer at the end of the year; ONVZ offers a “Overstapservice” where they help cancel your old basic health insurance if you move to their plan.

What happens if I’m hospitalized abroad in an emergency?

ONVZ has a 24-hour emergency assistance service (Zorgassistance) you can call for urgent hospitalisation abroad; they facilitate the process and reimburse under policy terms.

How can I submit health care claims (declaraties)?

Claims can be submitted via the ONVZ app, via the “MijnONVZ” online portal, via their website’s claim form, or by post.

What does “vrije zorgkeuze” mean at ONVZ?

It means policyholders generally have freedom to choose their doctor, specialist, or hospital, subject to contractual or policy limits.

What is the legal status of ONVZ?

ONVZ is a mutual (onderlinge waarborgmaatschappij) health insurer without profit motive; insured members are part of the membership.

Can I purchase new life insurance or annuity products from HM Life in New York?

No — the New York entity has stopped issuing new life or annuity business and focuses on health, stop-loss, and related insurance lines.