Zorgverzekeraar Zorg en Zekerheid

Changes health insurance 2024

The Dutch government decides each year which care is reimbursed under the basic health insurance. 2024 introcudes changes to your basic and supplemental insurance. Read about all the changes.

Changes to your basic healthcare insurance

These changes apply to the Zorg Zeker Policy and Zorg Vrij Policy

  • Reimbursement for exercise interventions to prevent falls
    With effect from 2024, exercise interventions to prevent the risk of falling will be reimbursed under your basic insurance. The reimbursement covers a 12-month period and is available if you run a high risk of experiencing a falling incident and have underlying or additional physical or psychological issues.
  • Chain approach for overweight or obese children
    In 2024, care for overweight or obese children will be reimbursed under your basic insurance. This care comprises guidance and coordination by a central care provider, with an action plan based on a Combined Lifestyle Intervention. This is known as a chain approach. Reimbursement under the basic health insurance is only possible if your local authorities meet certain conditions. The chain approach is only expected to be available in a few municipalities in 2024.
  • Maternity care now available over a longer period
    Up until now, maternity care was always provided within the first 10 days after delivery. From 2024, you will have more flexibility in using your entitlement to maternity care. In consultation with the maternity care organisation, you can obtain maternity care over a period of 6 weeks after delivery.
  • Applying for care directly from the maternity care organisation
    From 2024, all you need to do is call the maternity care organisation to apply for maternity care. If the organisation is unable to find a maternity care provider for you, you can call Zorg en Zekerheid.
  • Reimbursement for 20-week ultrasound covered by population screening
    The 20-week ultrasound will no longer be funded by basic health insurance, but via the government programme for population screening. This means that the 20-week ultrasound will continue to be available to you.
  • Maternity care information and instructions in digital form
    From 2024, you will be able to schedule more video call appointments with your maternity care provider. In those cases, the video call will replace a home visit by the care provider. The reimbursement applies to a maximum of 6 hours. In 2023, the maximum was 1 hour.
  • No excess for IUD implantation by midwife
    You will no longer have to pay your excess if your IUD is implanted by a midwife.
  • Change to non-contracted Mental Healthcare
    If you receive an invoice for non-contracted Mental Healthcare in 2024, and if we granted advance permission for that treatment, we will reimburse 80% of our average contracted rate instead of 80% of the maximum rate set by the Dutch Healthcare Authority (NZa). In most cases, this means that you will be required to pay more yourself when you use non-contracted Mental Healthcare services. If you go to a contracted care provider, you qualify for 100% reimbursement of the costs. For a list of contracted care providers, consult the Zorgzoeker.
  • Improved application process for patient transport

    From 2024, you can apply for patient transport using

    . In the case of an emergency or if you are unable to fill in the web form, you can call Zorg en Zekerheid. This change will help us process your application more quickly and give you a quicker answer whether you are eligible for patient transport.

  • Permission from Zorg en Zekerheid required for Geriatric Rehabiliation (GRZ)
    If you receive Geriatric Rehabilitation care and, due to a change in your indication, a new Diagnosis-Treatment Package (DTP) is opened, you will need permission from Zorg en Zekerheid.

Do you have a Zorg Gemak Policy?

Read more about the changes in the Zorg Gemak Policy

Changes to your supplementary insurance

These changes apply to all supplementary insurance policies

  • Reimbursement for physiotherapy in the case of hip or knee joint arthrosis under supplementary insurance
    If you do not qualify for reimbursement for care to relieve hip or knee joint arthrosis under basic insurance, from 2024 you will receive this reimbursement under your supplementary insurance.
  • Clarification of policy conditions on accident cover
    The conditions on accident cover now clearly exclude reimbursement of oral care required as a consequence of eating food.

This change applies to AV-Basis, AV-Sure, AV-Standaard, AV-GeZZin Compact, AV-Top, AV-GeZZin, AV-Plus and AV-Totaal

  • Internet discount cancelled
    From 2024, the 2% Internet discount on the supplementary insurance premium will be cancelled. Up to and including 2023, insured persons are granted discounts on some supplementary insurance policies if they pay their premiums by direct debit and agree to receive information about their insurance in digital form.

This change applies to AV-Basis, AV-Sure, AV-Standaard, AV-Top, AV-GeZZin, AV-Plus and AV-Totaal

  • Reimbursement for skin therapy only for care by SKIN-registered providers
    In 2024, the costs of skin therapy will only qualify for reimbursement if the care is provided by a skin therapist or beautician listed in the SKIN register, to safeguard the quality of the care.

This change applies to AV-Basis,AV-Standaard, AV-Top, AV-GeZZin, AV-Plus and AV-Totaal

  • Broader reimbursement for aids that support self-reliance
    We will increase the number of aids in support of self-reliance in 2024. This change is intended to make it easier for people to keep living at home for longer. Starting in 2024, you are entitled to an annual reimbursement for the costs of aids that promote self-reliance. Previously this reimburse ment was granted only once. In addition, we will raise the reimbursement under AV-Plus and AV-Totaal from € 40 to € 75.

This change applies to AV-Top, AV-GeZZin, AV-Plus and AV-Totaal

  • Clarification of policy conditions on substitute informal care
    Our policy conditions now clearly state that only informal carers who are insured with Zorg en Zekerheid are entitled to reimbursement for substitute informal care. Previously this was also the case, but our policy conditions did not clearly reflect that.

Read more