Health Insurer Switching Procedure Den Haag
The health insurer switching procedure offers residents of Den Haag a straightforward way to switch health insurers. This legally mandated process ensures a smooth transition, with the new insurer handling the cancellation with the previous one. The process typically runs automatically and takes a few weeks, especially if you act promptly during the switching period.
What does the switching procedure entail?
This procedure involves a standardized chain of steps that guarantees uninterrupted health coverage when changing insurers. For residents of Den Haag, it is essential during the period from November 1 to December 31 for a start date of January 1. Outside this period, switching is possible under certain conditions, such as collective contracts or special circumstances. It prevents double payments or gaps in your insurance. The Netherlands Health Care Institute requires insurers to support this process. This article builds on our overview of switching health insurers, with tips specific to Den Haag.
Legal basis
The health insurer switching procedure is enshrined in the Health Insurance Act (Zvw), particularly Article 11 on compulsory insurance, and the Health Insurance Decree (Article 3.1.1 et seq.). The 2010 amendment (Bulletin of Acts and Decrees 2010, 533) standardized the process nationwide, including Den Haag.
Key provisions:
- Insurers confirm the switch within 30 days of your application (Health Insurance Decree, Art. 3.1.3).
- The new insurer notifies the previous insurer of the cancellation and coordinates the date.
- In case of outstanding debts, the previous insurer keeps the policy active until payment (Zvw, Art. 11(3)).
Step-by-step guide to switching in Den Haag
- Select a new insurer: Compare options on comparison sites or via the Netherlands Health Care Institute. Assess basic, supplementary, and dental coverage separately. In Den Haag, you can seek advice from the Juridisch Loket Den Haag.
- Take out the new policy: Submit your application online with your BSN and current policy number.
- Confirmation and processing: The new insurer confirms and initiates cancellation within 7 working days. You receive confirmation from the previous insurer.
- Settling debts: Pay any outstanding premiums within one month after cancellation with the previous insurer.
- Start of new coverage: From January 1 (or agreed date). Your health data is transferred via Vecozo.
| Aspect | Basic insurance | Supplementary insurance |
|---|---|---|
| Cancellation period | Automatic via new insurer | Handle yourself with previous |
| Switching period | Nov 1 - Dec 31 | Year-round (with assessment) |
| Medical review | Not required | Sometimes mandatory |
Real-life examples from Den Haag
Example 1: Smooth switch
Ms. De Haagse from Schilderswijk has basic and supplementary policies with VGZ. On November 20, she chooses CZ. CZ handles the cancellation with VGZ. From January 1, she enjoys CZ coverage, with automatic transfer of her GP records.
Example 2: Outstanding debt issue
Mr. Van Scheveningen has €250 outstanding with De Friesland. When switching to Menzis, De Friesland blocks the switch. After payment via the Gemeente Den Haag (assistance possible), everything proceeds smoothly. Otherwise, double premiums loom.
Example 3: Student collective
A student from Den Haag via Leiden University switches to a cost-effective collective until February 1. The procedure remains the same.
Rights and obligations
Your rights as a resident of Den Haag
- Free switch without medical review for basic insurance.
- Retention of your health consent declaration.
- Access to clear information on premiums and conditions.
- In case of issues: File a complaint with SKGZ, dispute with the Disputes Committee for Health Insurance, or seek help via Rechtbank Den Haag and Juridisch Loket Den Haag.
Your obligations
- Timely payment of premiums and debts.
- Provide accurate BSN and policy details.
- Cancel supplementary coverage yourself with the previous insurer.
- Check confirmations within 10 days.
Frequently asked questions for Den Haag
Can I switch outside November 1 - December 31?
Limited yes: for collectives until February 1/September, or upon moving. Basic insurance primarily follows the main period, but always take out new coverage if the old one ends. Seek advice from Juridisch Loket Den Haag.
Problems with outstanding debt?
The previous insurer refuses cancellation until payment. Resolve within one month, or face double premiums. The Gemeente Den Haag can assist with payment arrangements.
Transfer of health records?
Yes, automatically via Vecozo. Check with your Den Haag healthcare provider (e.g., HagaZiekenhuis) if it is complete.
Rejection of new application?
Not possible for basic insurance (Zvw Art. 11). Possible for supplementary due to medical reasons. Try another insurer or consult Juridisch Loket Den Haag.