health insurance covering 2 countries

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Voorbijganger

I have just moved to Amsterdam as a transfered employee from Turkey, with my wife and 18 months old daughter. I have an indefinite contract and residence permit until 2019. I would like to ask if we can have a health insurance policy-which will be very basic but for the Netherlands-which will cover the doctor visits, treatments and even birth of a second child-which May Occur at private hospitals in Turkey. Is this a feature That can be added in policy, at what range does it effect the premium and there are limits to thesis claims? These questions are linked to our will to keep our medical treatments as much as possible in our home country Turkey. Your prompt response will be much appreciated. Thanks.

 

 

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health insurance covering 2 countries

11 ANTWOORDEN

Re: health insurance covering 2 countries

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Webcare

Hi @buketkalkanakdag

 

Welcome at our Community and welcome to the Netherlands!

 

If I understand your question correctly. You want to have a good package for your wife for healthcare in Turkey.

 

We have updated this answer because the information we provided was incorrect.

 

Unfortunately we do not offer packages that cover all healthcare in a foreign country. Not even the healthcare in Turkey. The Dutch healthcare system primarly covers healthcare in the Netherlands. Outside of the Dutch borders only emergency healthcare is covered up to the Dutch tarrif. Any emergency treatments and healthcare is covered under the basic health insurance. The additional health insurance packages cover the costs of emergency health care up to the foreign tarrifs.

 

From your question I assume you wish to receive coverage for non-emergency healthcare as well. Unfortunately there is not package which covers non-emergency healthcare in Turkey. However you can request the reimbursement of non-emergency treatments abroad. To do so, you will need to send us an application for every treatment you want to receive abroad. If you plan on doing this use this form: Application form for medical treatments abroad

 

Consequently, we cannot advise you in general on the health care package for Turkey since these costs are not covered under our insurances.  

 

Summary:

 

If you want coverage for emergency healthcare abroad you can choose the Basis Zeker and the additional health insurance with 1 star. We do not offer any insurance packages for non-emergency heathcare in Turkey.

 

If you have further questions, please ask us or call us at 071 3652080

 

Kind regards,

 

Aaron (update by Anton)

 

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Re: health insurance covering 2 countries

Voorbijganger

Hi Thank you very much for your answer.

Could you please advise how I can have Duch tariff to see if the amounts provided are enought to afford Turkish private hospitals?

Thanks and regards..

 

 

Re: health insurance covering 2 countries

Voormalig medewerker Zilveren Kruis

Hi Buketkalkanakdag,

 

I have updated the answer that was provided by Aaron. 

 

Unfortunately the previous information was incorrect.

 

We cannot give you Dutch tarrifs because they differ for more than 40.000 treatments covered in the Netherlands.

 

The coverage does not extent to Turkeys healthcare. Except emergency healthcare.

 

Please take a look at Aaron's answer once again.

 

Thank you for your patience,

 

Anton

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Re: health insurance covering 2 countries

Voorbijganger
To better understand the logic, can I ask you two possible cases? For example, lets say I take my daughter to a child specialist doctor in Turkey just for control and paid 100 eur to the hospital, which doesnt have a contract with your company. How much will I get reimbursed? Another example is, what if my wife prefers to give birth (ceasarian) at that same hospital lets say in 2017, and pay 5.000 eur, how much will I get reimbursed?

Would be grateful if you can explain with these two examples.

Re: health insurance covering 2 countries

Voormalig medewerker Zilveren Kruis

I understand you want to clear this up but unfortunately we can't put numbers on that. In general we do not cover non-emergency caretakers in Turkey so you can not expect to get any refund. However, you can send us a medical motivation, a cost overview and description of the treatment. We will review your application for healthcare and will inform you about the costs. 

 

If your wife needs emergency health care in the hospital for any reason you can call the emergency line Eurocross. Which is operated 24 hours a day and will make sure that your wife gets all the emergency care she needs. 

 

I am sorry we cannot do what you expect us to do. It is impossible for me to explain it anymore specific since we cannot determine the coverage or money you will receive beforehand on this information. Maybe it is more interesting in your case to opt for an international health insurance? That covers health care in Turkey as well? The Dutch health insurance is primarly focused on health care in the Netherlands.

 

Anton

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Re: health insurance covering 2 countries

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Fanatiekeling
Sorry, but I think that this insurance company gives the wrong answers. In essence they say that healthcare costs are not covered in another country than the Netherlands, unless it is an emergency! This is not true. Read this : see the screenshots. I think it is a disgrace that this big insurance company gives the wrong answers. I advise you to choose another company, for example " De Amersfoortse" or " ONVZ". Important to know is that you choose a health insurance of the type " restitution" . Than it is possible that you pay for the costs first and that afterwards ( a part of ) the costs are reimbursed. Remember: it is not a percentage of the cost that you get reimbursed, you get reimbursed the amount that the same illnes would have cost in the Netherlands. And then comes the difficult story: if you have a certain operation, then the hospital gets a certain amount. But in the case that there are complications, and you have to stay very long in the hospital, the hospital in the Netherlands gets the same amount of money. And that is the danger in the case you go to another country. I expect that healtcare in general is cheaper in Turkey, but there could be situations or operations that are more expensive. Furthermore, you must always tell/ask the insurance in advance that you go to a hospital in another country. And also you need to have from your familydoctor in NL a " verwijskaart". ( a letter that says that this doctor refers you to the hospital ) ps perhaps this changes in 2017: then the dutch insurance is only for the netherlands and in europe. ps in any case, you should NOT choose the type " ZEKER" of Zilveren Kruis but the type " EXCLUSIEF" ( although they advise you otherwise! ). The explanation is this: the hospital in Turkey is not contractee. Therefore you get with ZEKER only 80% of the dutch price. With EXCLUSIEF you get 100% of the mean dutch price.
Groet, Feina.

Re: health insurance covering 2 countries

Community Manager

@Feina With respect to the reimbursement of non-emergency treatments, I think you missed out on part of the answer Anton gave. What Anton said is actually the same as you have sent in the screenshots of what IZA has on their website. Therefore I do not agree with  your statement that we provided a wrong answer. The way I see it, our answer is just another way to explain the same thing.  

 

For reimbursement of non-emergency treatments abroad, a request for permission is required

What Anton said is: “In general we do not cover non-emergency caretakers in Turkey so you can not expect to get any refund. However, you can send us a medical motivation, a cost overview and description of the treatment. We will review your application for healthcare and will inform you about the costs.”

This means that only emergency treatment abroad is covered without permission beforehand. For non-emergency treatments a request for permission is required.

 

If permission is given, the reimbursement from de Basis Zeker and de Basis Exclusief are calculated differently

A second issue you address, the difference between de Zeker and Exclusief policies. Zeker is a 'natura' (contracted care) insurance. Exclusief is a 'restitutie' (free of choice) insurance. What you are right about is that when getting non-emergency treatment abroad a Zeker insurance will reimburse 80% of the average contracted rate in the Netherlands. An Exclusief insurance will reimburse 100% of the tariff in line with the market in the Netherlands. So the reimbursement of the Exlcusief insurance will be greater than that of the Zeker insurance. In general we only explain the difference between the types of insurances we offer and don't advice on which one to take so Anton might have been a bit forward in this case. In his defence, most people insured with us choose the Zeker insurance but since this is a somewhat unique situation it clearly needs more explanation.

 

In a lot of cases requests for giving birth in a hospital abroad are honored

However you make it sound like a reimbursement of non-emergency costs abroad is done irrespectively of the request put before us. This isn't true. Some applications will be rejected, for instance when a type of treatment isn’t officially recognized as such in the Netherlands. In the specific case of giving birth in a hospital abroad these requests will most likely be approved. But as you say, keep in mind that this is only the delivery itself and highly likely not the days that she will be hospitalised after giving birth since this isn't normally reimbursed in the Netherlands either .

 

@Feina, There is one other issue I would like to address. And to put it in a question: Feina, why do you dislike us so much? You advertise De Amersfoortse and ONVZ, two insurance companies that I know you like better. And that is fine by me. But what I don't understand is that you only seem to see the negative sides of what we do. You only critique us and I cannot help but wonder why. Have we done something wrong in the past or is it just that you want to address cases of missinformation? I just want to understand what motivates you. And I've asked before and didn't get an answer then but that doesn't mean I won't stop asking. It is important to me, and to Zilveren Kruis as a whole, that we keep talking about issues that really matter to us and to our customers. That's one of the reasons we have a forum. So if you would like to share what motivates you that would really mean a lot to me.

Re: health insurance covering 2 countries

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Fanatiekeling
Although you think otherwise, I am sure that your answers were not correct. IT IS NOT CORRECT TO STATE THAT ONLY EMERGENCY HEALTHCARE IS GIVEN IN OTHER COUNTRIES. I will send this correspondence to the NZA/ ZINL to let them check this issue. For it is the LAW in the Netherlands, that the insurance is for all over the world.
Groet, Feina.

Re: health insurance covering 2 countries

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Fanatiekeling

@zk ( raooul): "In general we only explain the difference between the types of insurances we offer and don't advice on which one to take so Anton might have been a bit forward in this case. In his defence, most people insured with us choose the Zeker insurance but since this is a somewhat unique situation it clearly needs more explanation".

 

Anton being only " a bit forward"???? No..... That doesnot look like the correct description! He is in fact clearly wrong and that is very bad because this is just the only thing he has to know and has to advise in. I think that this is the policy of Zilveren Kruis: advise wrong and earn more.

Groet, Feina.

Re: health insurance covering 2 countries

Moderator

Before I answer another question I want to ask @buketkalkanakdag: Did you get an answer to your question in this topic, and if not, can you tell me what is still unclear to you?

 

@Feina, I asked my colleague to respond to your last posts. I think that my colleague Maaike can give a better explanation than I can. You will read her reaction below. 

 

Re: health insurance covering 2 countries

Expert

@Feina, you are right. Everyone has the right to use health care worldwide. This is a basic insurance guarantee we have in the Netherlands, it’s also broadly supported by the Schengen treaty for European countries.

The Dutch government determines the contents of our basic insurance policies. This is laid down in the Dutch Health Insurance Act (Zorgverzekeringswet (Zvw)) and the corresponding legislation. And the coverage is maximized to Dutch health care prices. Whether you have an arranged care policy or a reimbursement policy also affects the level of reimbursement if you use a non-contracted care provider, healthcare institution or supplier. You can use the Medical Provider Search Tool on www.zilverenkruis.nl/zorgzoeker to find out which providers we have contracted abroad.

 

Experimental health care (care that is not covered in the Dutch basic insurance) has no grounds on which we can cover this care, even though it might not be deemed experimental in the country you would be in. For instance:  there is a specific type of knee operation in Austria, and a hernia operation in a specialized clinic in Germany we don’t cover unfortunately.

 

Even though your treatment doesn’t need to be pre-approved, it is highly recommended that you notify us through a “machtigingenformulier”, so we can determine whether we cover the care you are undergoing or not. It would give you as a customer more insights in possible costs you would need to make yourself to get the treatment.

 

I would like to point out that Eurocross assistance can help you find a health care specialist. They have knowledge on quality of health care providers and can offer aid in selecting your health care specialist.