ZEKUR offers two basic insurance options: Gewoon ZEKUR and Gewoon ZEKUR Vrij.
€ 122,95 per month with a mandatory excess of € 385,-
Gewoon ZEKUR is an in-kind policy or naturapolis. We make agreements with healthcare providers on the quality, cost and service of the healthcare to be delivered.
If you select a contracted healthcare provider or hospital, you receive 100% reimbursement. We arrange the payment directly with the healthcare provider or the hospital.
If you select a non-contracted healthcare provider, part of the costs may be charged to you. The costs will be reimbursed up to 80% of the average contracted rate.
Of course, in case of an emergency or childbirth, you can visit any hospital and will be 100% reimbursed. You also choose your own general practitioner.
Gewoon ZEKUR Vrij
€ 155,15 per month with a mandatory excess of € 385,-
Gewoon ZEKUR Vrij is a combination policy, or combinatiepolis. You can select any healthcare provider, regardless of whether they have a contract with us. You receive reimbursements of the costs up to a maximum of 100% of the reasonable market rate in the Netherlands. There are two exceptions. For mental health care and district nursing we make agreements with healthcare providers. If you select a contracted healthcare provider, we reimburse all costs. If you choose a healthcare provider without a contract for these two exceptions, we reimburse up to 90% of the average contracted rate.
For both Gewoon ZEKUR and Gewoon ZEKUR Vrij a standard mandatory excess, or eigen risico, of €385,- per calendar year applies. When you access healthcare which is covered under the basic insurance, you will need to pay the first € 385,- of your costs as a mandatory excess. Sometimes you don’t have to pay this excess. For example, when you visit your general practitioner (excluding lab costs), use the preferred medication or use maternity care. You can choose a higher excess in return for a lower monthly premium.
Read more about the mandatory excess
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