{"id":128897,"date":"2021-05-31T14:51:44","date_gmt":"2021-05-31T12:51:44","guid":{"rendered":"https:\/\/www.horendgoed.nl\/your-health-insurance\/"},"modified":"2025-01-28T15:21:15","modified_gmt":"2025-01-28T14:21:15","slug":"your-health-insurance","status":"publish","type":"page","link":"https:\/\/www.horendgoed.nl\/en\/hearing-care\/your-health-insurance\/","title":{"rendered":"Your health insurance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A hearing aid can be an expensive purchase. However, it is covered in whole or in part by health insurance. But what exactly does this one cover, and when? We can imagine that this is difficult to understand properly. On this page, we explain it to you.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Reimbursement from basic insurance<\/h2>\n\n<p class=\"wp-block-paragraph\">The health insurer will reimburse 75% of the cost from the basic insurance when the conditions of the <a href=\"https:\/\/www.horendgoed.nl\/hoorzorg\/het-hoorprotocol\/\">hearing protocol<\/a> of Zorgverzekeraars Nederland are met. Those conditions are: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Your hearing can be rehabilitated, or improved, with a hearing solution;<\/li>\n\n\n\n<li>There is at least 35 dB <a href=\"https:\/\/www.horendgoed.nl\/het-gehoor\/gehoorverlies\/\">hearing loss<\/a>;<\/li>\n\n\n\n<li>Your chosen hearing aids fall within the legal <a href=\"https:\/\/www.horendgoed.nl\/hoortoestellen\/hoortoestel-categorieen\/\">category<\/a>;<\/li>\n\n\n\n<li>You have not purchased any hearing aids in the last five years.<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Excess on your health insurance<\/h2>\n\n<p class=\"wp-block-paragraph\">Everyone in the Netherlands has a deductible. The legally required deductible is \u20ac 385, and you can set it to a maximum of \u20ac 885. Your premium will then go down, but when you incur healthcare costs, these will first be at your own expense until the specified amount is reached. If you have not used up your deductible in the current calendar year, this amount will be deducted from the reimbursement you receive from your health insurance company under the basic insurance.   <\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Own contribution<\/h2>\n\n<p class=\"wp-block-paragraph\">Because the health insurance covers a maximum of 75% from the basic insurance, 25% remains. We call this the own contribution. In principle, you pay these costs yourself. If you have supplementary insurance, the health insurance company may pay all or part of the co-payment.   <\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Calculation examples<\/h2>\n\n<p class=\"wp-block-paragraph\">When the conditions of the <a href=\"https:\/\/www.horendgoed.nl\/hoorzorg\/het-hoorprotocol\/\">hearing protocol<\/a> are met.<\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Calculation example 1<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Cost of hearing aid<\/strong><\/td><td><strong>\u20ac 1.000<\/strong><\/td><\/tr><tr><td>Health insurance reimbursement (75%)<\/td><td>\u20ac 750<\/td><\/tr><tr><td>Outstanding deductible<\/td><td>\u20ac 250<\/td><\/tr><tr><td><em>Reimbursement from basic insurance<\/em><\/td><td><em>\u20ac 500<\/em><\/td><\/tr><tr><td>Own contribution (25%)<\/td><td>\u20ac 250<\/td><\/tr><tr><td><em>Supplementary insurance, 50% of co-payment<\/em><\/td><td><em>\u20ac 125<\/em><\/td><\/tr><tr><td><\/td><td><\/td><\/tr><tr><td><strong><em>The health insurance company reimburses<\/em><\/strong><\/td><td><strong><em>\u20ac 625<\/em><\/strong><\/td><\/tr><tr><td><strong><em>You pay<\/em><\/strong><\/td><td><em><strong>\u20ac 375<\/strong><\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Calculation example 2<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td><strong>Cost of hearing aid<\/strong><\/td><td><strong>\u20ac 1.000<\/strong><\/td><\/tr><tr><td>Health insurance reimbursement (75%)<\/td><td>\u20ac 750<\/td><\/tr><tr><td>Outstanding deductible<\/td><td>\u20ac 0<\/td><\/tr><tr><td><meta charset=\"utf-8\"\/><em>Reimbursement from basic insurance<\/em><\/td><td><em>\u20ac 750<\/em><\/td><\/tr><tr><td><meta charset=\"utf-8\"\/>Own contribution (25%)<\/td><td><meta charset=\"utf-8\"\/>\u20ac 250<\/td><\/tr><tr><td>Supplementary insurance, 100% of co-payment<\/td><td>\u20ac 250<\/td><\/tr><tr><td><\/td><td><\/td><\/tr><tr><td><meta charset=\"utf-8\"\/><strong><em>The health insurance company reimburses<\/em><\/strong><\/td><td><strong><em>\u20ac 1.000<\/em><\/strong><\/td><\/tr><tr><td><strong><em>You pay<\/em><\/strong><\/td><td><strong><em>\u20ac 0<\/em><\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<\/div>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<h2 class=\"wp-block-heading\">Frequently asked questions about health insurance reimbursement<\/h2>\n\n<h3 class=\"wp-block-heading\">What hearing care is covered by basic insurance?<\/h3>\n\n<p class=\"wp-block-paragraph\">Basic insurance covers up to 75% of the cost of your hearing aid. From this, any outstanding deductible will be deducted. <\/p>\n\n<h3 class=\"wp-block-heading\">How does the deductible work for hearing aid reimbursement?<\/h3>\n\n<p class=\"wp-block-paragraph\">The reimbursement you receive from health insurance is always subject to your deductible. Only when this is used up will you receive reimbursements. <\/p>\n\n<h3 class=\"wp-block-heading\">Can I purchase supplemental insurance for additional coverage<\/h3>\n\n<p class=\"wp-block-paragraph\">Yes, some insurers offer supplemental packages that provide additional coverage for hearing care. This allows you to cover your co-payment, for example. Consult your insurer or seek advice from our hearing specialists.  <\/p>\n\n<h3 class=\"wp-block-heading\">Will you help arrange reimbursement?<\/h3>\n\n<p class=\"wp-block-paragraph\">When we have a contract with your health insurance company, we submit your claim directly for you. You do not have to do anything yourself. If we do not have a contract with your health insurance company, we will send you an invoice which you can submit yourself. You only have to pay in that case when the health insurance has paid out.   <\/p>\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-7d812b4c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.horendgoed.nl\/maak-een-afspraak\/\" style=\"background-color:#a2cb58\">Make an appointment<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.horendgoed.nl\/shop\/\" style=\"background-color:#ff4400\">Shop Online<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A hearing aid can be an expensive purchase. However, it is covered in whole or in part by health insurance. But what exactly does this one cover?<\/p>\n","protected":false},"author":1,"featured_media":107862,"parent":128961,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-128897","page","type-page","status-publish","has-post-thumbnail","hentry","grid-sizer","latest_post"],"featured_image_src":"https:\/\/www.horendgoed.nl\/wp-content\/uploads\/2022\/07\/Horend-Goed-Zorgverzekering-Header.jpg","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Your health insurance | Horend Goed Audiciens<\/title>\n<meta name=\"description\" content=\"A hearing aid can be an expensive purchase. However, it is covered in whole or in part by health insurance. 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