Health Insurer Switching Procedure for Rotterdam Residents
The health insurer switching procedure provides Rotterdam residents with a straightforward way to change 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, provided you take action in time during the fixed period.
What does the switching procedure entail?
This procedure involves a standardized chain of steps that guarantees uninterrupted health coverage when changing insurers. For Rotterdam residents, it is crucial during the annual switching period from November 1 to December 31, effective January 1. Outside this period, switching is only possible under specific conditions, such as collective contracts through port employers or special arrangements.
It prevents double payments or interruptions in your insurance. The Netherlands Health Care Institute requires insurers to facilitate this. This article builds on our overview of switching health insurers and is tailored to situations in Rotterdam.
Legal basis
The health insurer switching procedure is enshrined in the Health Insurance Act (Zvw), particularly Article 11 (mandatory insurance) and the Health Insurance Regulation (Article 3.1.1 et seq.). The amendment under the Act of 28 October 2010 (Bulletin of Acts and Decrees 2010, 533) has standardized the process nationwide, including in Rotterdam.
Key provisions:
- Insurers confirm the switch within 30 days of your application (Health Insurance Regulation, Art. 3.1.3).
- The new insurer notifies the old one of the cancellation and coordinates the date.
- If there are outstanding debts, the old insurer blocks the cancellation until payment (Zvw, Art. 11(3)).
Step-by-step guide to switching
- Select a new insurer: Compare options via comparison sites or the Netherlands Health Care Institute, focusing on basic, supplementary, and dental coverage. Rotterdam residents often prioritize coverage for port-related care.
- Sign the policy: Submit the application online with your BSN and current policy number.
- Confirmation and cancellation: The new insurer confirms and notifies the old one within 7 working days. You will receive cancellation confirmation.
- Settlement of outstanding premiums: Pay any remaining amounts within one month of cancellation.
- 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 | Cancel yourself with old insurer |
| Switching Period | Nov 1 - Dec 31 | Year-round (with medical underwriting) |
| Medical Acceptance | Not required | May be required |
Real-life examples from Rotterdam
Example 1: Smooth switch
Ms. De Boer from Rotterdam-South has basic and supplementary policies with VGZ. On November 20, she chooses CZ. CZ handles the cancellation with VGZ. From January 1, she benefits from the new coverage, including transfer of her GP records from the Maasstad hospital.
Example 2: Outstanding debt issue
Mr. Van Dijk from the port district has €250 outstanding with De Friesland. When switching to Menzis, De Friesland blocks the switch. After payment, everything proceeds smoothly; otherwise, Rotterdam residents risk double premiums.
Example 3: Collective via employer
A port worker switches to a collective contract through his company. This can be done until February 1, following the same procedure.
Rights and obligations
Your rights as a Rotterdam resident
- Free switch without underwriting 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 via the Disputes Committee for Health Insurances, or seek advice from Juridisch Loket Rotterdam. Escalation possible to District Court of Rotterdam.
Your obligations
- Pay premiums and debts on time.
- Provide accurate BSN and policy details.
- Cancel supplementary policies yourself with the old insurer.
- Check confirmations within 10 days.
Frequently asked questions
Can I switch outside November 1 to December 31 in Rotterdam?
Yes, limited options for collectives (until February 1 or September) or relocation. Basic insurance primarily follows the main period, but always sign a new policy if the old one ends.
What if there is outstanding debt with the old insurer?
Cancellation is refused until payment within one month. Otherwise, you remain doubly insured with double costs as a Rotterdam resident.
Is my health record transferred?
Yes, automatically via Vecozo. Check with your Rotterdam healthcare provider to ensure everything is up to date.
What if the new insurer refuses?
Basic insurance never (Zvw Art. 11). Supplementary may for medical reasons; try another. Consult Juridisch Loket Rotterdam for assistance.