Can an insurance company refuse to provide extra dental insurance?

Last activity 23 December 2020 by Ramses K.

390 Views

5 replies

Post new topic

JSnetherlandsNew member22 November 2020 09:53:20

I have fractured my tooth and will have it removed soon. I am thinking about getting a dental implant, but the year is coming to a close so I will probably do that next year. Because of the extra costs invovled I am thinking that I should get the optional extra dental cover with my health insurance company. I would like to confirm with them that this will cover the type of implant I would like to get, however I am worried that if I ring them to check then they might refuse to cover me. Does anyone know if they are allowed to refuse? Is it wise for me to ring them and check if I am covered for something I am likely to need in the immediate future before switching the insurance package?

CynicUK / Netherlands Expert22 November 2020 10:41:33

7633

Hi and welcome to the Forum.

Dutch law does not allow pre-existing conditions to be excluded from Medical Insurance policies; that said, many Insurance companies will apply an excess or a ceiling to special cover or treatment. No harm in asking; if you don't like the answer, you can go elsewhere, there are plenty of Insurers.

Hope this helps.

Cynic
Expat Team

Ramses K.Serial expat23 November 2020 11:16:04

358

Hi,

It's all about choosing the right package, in your case it will be an full dental package. No they can't refuse you. Just call them and ask for the full dental package and what the coverage will be for that.
You don't have to say that you will need dental care soon, just say you are thinking of a better coverage of your package.

I must inform you that a dental package will make your insurance more expensive, but without it it will cost you a lot more. Probably it will cost you your "eigen risico", so you would have to pay the 385 euro.

AmitS01Active member21 December 2020 19:22:56

Hi Cynic and Ramses
Regarding similar query above .. I will be soon moving to Netherlands and will be subscribing for dutch health insurance for me and my family.
My wife is currently pregnant and wish to know if similar to above can pregnancy expenses be rejected by insurance with this excuse

CynicUK / Netherlands Expert21 December 2020 19:30:42

7633

Hi again.

Pregnancy is included in your Health Insurance. Dutch law does not allow the insurance companies to deny any application or block existing conditions, so it shouldn't be a concern.

Hope this helps.

Cynic
Expat Team

Ramses K.Serial expat23 December 2020 08:28:57

358

You are in luck we have the best maternity care in the world and it will not cost you extra. I found a good English explanation on youtube about it. Link to video

Articles to help you in your expat project in the Netherlands

Healthcare in the Netherlands
The rest of Europe has public healthcare, but the Netherlands goes against the tide; the Dutch healthcare system ...
Accidents and emergencies in the Netherlands
It's unfortunate, but accidents and emergencies may happen during your stay in the Netherlands. While you hope ...
Pregnancy and giving birth in the Netherlands
Perhaps you've settled down in the Netherlands, and you're ready to start your family. Or maybe you're ...
How to meet new people in the Netherlands
In 2023, there were around 1.66 million single women and 1.6 million single men living on their own. This means ...
Lifestyle in the Netherlands
In the Netherlands, the Dutch have a “work hard, play hard” mentality. For them, there's a time ...
Developing your social circle in Amsterdam
In your move to Amsterdam, you may already have some friends or acquaintances in the country. However, it may not ...
Phones and Internet in the Netherlands
In June 2024, the Netherlands ranked ninth in the world for mobile internet speeds and 18th for fixed ...
Things to do on weekdays in Amsterdam
Perhaps you're a student, a freelancer, or someone who works minimal hours. Whatever it is, you've got ...