I provide custom-made care. I expect no less from my health insurance company. Good care is your choice. Stefania Tuinder, Plastic Surgeon

Transcription

1 Health insurance for university medical centers 2014 I provide custom-made care. I expect no less from my health insurance company Stefania Tuinder, Plastic Surgeon Good care is your choice

2 2 Good care is your choice As a staff member at a university medical center you are thoroughly familiar with health care. You also know exactly what type of care suits your needs best and by whom you wish to be treated. The fully revised policies allow you to make these decisions independently, with health insurance that is tailored to individual preferences. Exclusive has been designed exclusively for you and your colleagues. The people we insure are all employees (or former employees) of university medical centers and their family members. The new insurance policies were developed in collaboration with staff from these university medical centers. This has resulted in high-quality health insurance with a low premium, which include attractive group discounts. Why choose the new? You can compose your own insurance package from four supplementary insurance packages and three separate dental packages. The supplementary insurance packages each offer ample budget for the most important types of care, including movement-related care (e.g. physiotherapy). No maximum rates per treatment apply to these budgets. You are free to choose your care provider and the number of treatment sessions. Family members (aged 18 and up) covered by your policy can choose their own supplementary insurance packages.

3 3 Tailored to your needs Quality at a competitive price was developed especially for anyone employed at one of the 8 university medical centers in the Netherlands (and their family members). We can offer a low premium because we can limit the administrative costs: your employer will deduct the premium from your salary. You will also receive an attractive discount if you arrange your policy through your employer. Junior doctors being trained as specialists (AIOS) also has a custom health insurance package for junior doctors being trained as specialists. You can enjoy coverage by UMC Zorgverzekering for the duration of your training, group discount included. Should you transfer another hospital you will not need to switch to another insurer; you can simply continue to enjoy the benefits offered by. Convenience Not only do we offer ample restitutions, we also offer a convenient reimbursement claim system. Invoices from hospitals, pharmacies and general practitioners are sent to us directly and paid directly to your care provider, saving you a lot of bother. In other cases you will need to claim the costs from us yourself. Family members are free to choose Your partner and children (up to the age of 30) can also be covered by your insurance policy. Insured family members also enjoy the benefits of our attractive premium discount. In 2014 they will also be able to compile their own supplementary insurance packages. They will no longer be required to choose the same supplementary insurance as you. Children up to the age of 18 pay no premium for their health insurance. They are automatically insured for their parents most extensive package combination. Everyone in your family can choose their own combination of packages Health insurance for university medical centers

4 4 Put together your own health insurance At, freedom of choice is our highest priority. As from 1 January 2014 our supplementary insurance packages have been revised and expanded, enabling you to choose the insurance package that is best suited to your situation. Statutory basic package: The policy is the statutory basic package, based on a noncontracted care policy that covers the costs of the most essential types of care. This basic package insures you for medical care (e.g. by general practitioners and hospitals), care aids and medicines and dental care for insured persons up to the age of 18. Supplementary packages: UMC Extra Zorg and UMC Extra Tand With a policy you will be covered for the costs of the most essential forms of care. If you prefer more extensive health insurance you can choose from our supplementary care and dental packages. These packages offer budgets for the most important types of care, such as physiotherapy and oral care. The more extensive packages have higher budgets.

5 5 UMC Extra Zorg 1 This package expands your health insurance cover with higher reimbursements for movementrelated and alternative care, at a low premium. UMC Extra Zorg 1 also offers extensive coverage for prevention, including a medical check-up and sports-medical advice. Budgets for the most essential types of care We have grouped treatments that are normally insured separately into a number of care categories, such as alternative care and movement-related care, and set a budget for each of these categories. This means that it s up to you which treatment(s) are covered by your budget. Would you rather have fewer, more expensive treatments or have more frequent treatments at a lower rate? It s up to you. UMC Extra Zorg 2 This package offers even more extensive coverage by entitling you to ample reimbursement for glasses and contact lenses, movement-related care (including physiotherapy) and care aids, for instance. Additionally, UMC Extra Zorg 2 offers reimbursement for orthodontic treatment and vaccinations for travel abroad. UMC Extra Zorg 3 This varied package offers a wide range of supplementary coverage for items such as glasses and contact lenses, alternative care, orthodontic treatment and vaccinations for travel abroad. UMC Extra Zorg 3 also has an ample budget for movement-related care, which you can spend as you like on physiotherapy or occupational therapy, for instance. This care package also offers additional comfort by offering restitution for home care if you are ill or have had an accident. UMC Extra Tand 1 Budget 250 This is the best package to choose if you do not require extensive dental care. Minor treatments such as fillings are included in this package*. UMC Extra Tand 2 Budget 750 This is a good package to choose if you require a little more dental care*, such as multiple fillings, X-rays or treatment by an oral hygienist. UMC Extra Tand 3 Budget This dental package offers the most extensive dental care*. This is an excellent choice if you require a lot of dental care, such as crowns or root canal surgery. UMC Extra Zorg 4 If you don t want to worry at all about reimbursement amounts, simply choose the most extensive supplementary package. UMC Extra Zorg 4 offers full restitution for orthodontic treatment (up to the age of 18) and vaccinations for travel abroad, as well as high reimbursements for maternity care, prevention and medicines. Statutory basic package Supplementary Care Package UMC Extra Zorg 4 UMC Extra Zorg 3 UMC Extra Zorg 2 UMC Extra Zorg 1 Supplementary Dental Package UMC Extra Tand 3 UMC Extra Tand 2 UMC Extra Tand 1 Your * The exact restitution amounts are listed in our policy conditions. Health insurance for university medical centers

6 6 Set your own premium Voluntary excess A statutory excess for health insurance applies to all persons aged 18 and up. The amount of the statutory excess is determined each year by the government. You can also opt for a voluntary excess of 0, 100, 200, 300, 400 or 500. The level of your premium is proportionate to your voluntary excess. This allows you to set your own premium amount. Adjusting your voluntary excess You can adjust the amount of your voluntary excess before the start of each calendar year. This can be done conveniently online on Mijn UMC Zorgverzekering. Every family member from the age of 18 can choose their own voluntary excess. The statutory excess amount for 2014 will be published on early November. Deducting the costs of care from your voluntary excess If you have a statutory and a voluntary excess, the costs of care will first be deducted from the statutory excess and subsequently from the voluntary excess. Reimbursements excluded from excess Some costs are not subject to any form of excess. They are always reimbursed. These are the costs of: visits to a general practitioner; maternity care; obstetric care; dental care for children up to the age of 18; preferred medications designated by us; care aids on loan; follow-up checks for kidney or liver donors. UMC package comparison tool The UMC package comparison tool (UMC Pakketvergelijker) on can help you choose the right insurance package. Use this tool to answer a few simple questions and find out which supplementary care and/or dental package is best suited to your needs and situation. It immediately shows you which reimbursements are included as well. An extensive overview of all packages and reimbursements can also be found on or can be obtained from your P&O department.

7 7 extras offers a high standard of quality, with good health insurance coverage at a competitive premium and great freedom of choice. But that s not all. We take our services one step further. Online convenience On Mijn you can manage your health insurance online. In this personal, secure environment on nl you can consult your health insurance policy, register family members and inform us of any changes. If you are not yet insured with us you can conveniently calculate your premium on this website and request an offer. UMC Care Advice and Mediation If you need care it s only natural that you want to be helped as soon as possible. UMC Care Advice and Mediation will be happy to offer you assistance. Contact us if you wish to know which doctor is specialised in a particular branch of medicine or which hospital frequently performs a particular surgical procedure. If you find yourself put on a waiting list, we will try to find you a faster alternative. At least 90% of our customers using this service receive an alternative for a faster treatment within three business days. Visit for more information. UMC travel insurance Are you planning a holiday? Then take out our affordable UMC Reisverzekering policy before you leave. Frequent travellers can also opt for continuous travel insurance with the UMC Doorlopende Reisverzekering policy. If you combine this with our continuous cancellation policy, the UMC Doorlopende Annuleringsverzekering, you travel worry-free all year. UMC Reisverzekering is available at an even lower premium if you have a UMC Extra Zorg 1, 2, 3 or 4 supplementary package, as you will not pay a premium over the care portion of the travel insurance. Care for the little ones UMC Kraamzorg guarantees the best care for mothers and their newborn children. We arrange maternity care made to measure, quickly and conveniently. You can arrange for maternity care by filling in the online application form or calling UMC Kraamzorg by telephone. The contact details and the form are available on Simply choose the maternity centre of your preference and let us take care of the rest. Mothers-to-be with a UMC Extra Zorgpakket are also entitled to a free maternity care package, composed in consultation with experienced obstetricians and midwives. Health insurance for university medical centers

8 More information Do you have any questions after reading this brochure? Or would you like to take out a policy? Please visit If you want to stay informed of all the latest news from, subscribe to our free online newsletter. Health insurance for university medical centers D No rights may be derived from this brochure. The original version of this brochure was drawn up in the Dutch language. If, as a result of translation of the original text into the English language, there is a difference in content or interpretation in respect to the Dutch version, then only the text and content of the Dutch language version, which is in the possession of NV Zorgverzekeraar UMC, will be binding. N.V. Zorgverzekeraar UMC (Zorgverzekeraar UMC), located in Arnhem, CoC number: , DNB number: