Health Insurer Switching Procedure for Amsterdammers
The health insurer switching procedure offers Amsterdam residents 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 act in time – ideal for Amsterdammers during the busy December period.
What does the switching procedure entail?
These standardized steps guarantee uninterrupted health coverage when changing insurers. For Amsterdammers, it is essential during the annual period from November 1 to December 31, effective January 1. Outside this period, switching is possible through collective contracts, such as those offered by employers in the city or universities like the UvA and HvA.
The arrangement prevents double payments or coverage gaps. Insurers are required to facilitate this, as stipulated by the Netherlands Health Institute. This article builds on our overview of switching health insurers and includes tips specific to Amsterdam.
Legal basis
The procedure is enshrined in the Health Insurance Act (Zvw), particularly Article 11 and the Health Insurance Decree (art. 3.1.1 et seq.). The 2010 amendment (Bulletin of Acts and Decrees 2010, 533) standardized everything.
Key rules:
- Confirmation within 30 days of application (Health Insurance Decree, art. 3.1.3).
- The new insurer handles cancellation with the previous one.
- If premiums are outstanding, the previous insurer blocks the cancellation (Zvw, art. 11(3)).
Step-by-step guide for Amsterdammers
- Select a new insurer: Compare options via comparison sites or the Netherlands Health Institute. Consider supplemental coverage for dental or physiotherapy, which is popular in Amsterdam.
- Sign up: Complete the online form with your BSN and previous policy number. The Amsterdam Legal Aid Office can assist with questions.
- Confirmation: Receive notification from the new insurer, who informs the previous one within 7 working days. The previous insurer sends a cancellation confirmation.
- Settle debts: Pay any outstanding premiums within one month, or you will remain doubly insured.
- Activate new policy: Effective January 1. Your health records transfer via Vecozo; check with your Amsterdam GP.
| Aspect | Basic insurance | Supplemental insurance |
|---|---|---|
| Cancellation period | Automatic | Handle yourself |
| Period | Nov 1 - Dec 31 | Year-round (with medical exam) |
| Acceptance | No medical exam | Possible medical check |
Real-life examples from Amsterdam
Example 1: Smooth switch
Ms. Jansen from Amsterdam-Zuid has VGZ. On November 20, she chooses CZ. CZ cancels VGZ; effective January 1, everything is arranged, including transfer of her GP records from De Pijp.
Example 2: Outstanding debt issue
Mr. de Vries from De Pijp has €250 outstanding with De Friesland. His Menzis application stalls; after payment, the switch proceeds. Otherwise, double payments.
Example 3: Student collective
An HvA student switches via a collective contract until February 1. Procedure is identical, with discounts for young people in the city.
Rights and obligations
Your rights as an Amsterdam resident
- Free switch for basic insurance, no medical exam.
- Retention of care consent declaration.
- Insurers' duty to provide information on premiums and conditions.
- In case of issues: File a complaint with SKGZ, dispute via the Health Insurance Disputes Committee, or seek help from Amsterdam Legal Aid Office / Amsterdam District Court.
Your obligations
- Pay premiums and debts on time.
- Provide correct BSN and policy details.
- Cancel supplemental policy yourself.
- Check confirmations within 10 days; if in doubt, contact the Municipality of Amsterdam or Legal Aid Office.
Frequently asked questions
Can I switch outside November 1 - December 31 in Amsterdam?
Yes, limited: collectives until February 1/September, or upon moving. Basic switch always possible upon cancellation of current policy.
Problems with outstanding debt?
Previous insurer refuses until paid. Resolve within one month via Amsterdam Legal Aid Office, or face double costs.
Health records transferred?
Yes, automatically via Vecozo. Confirm with your Amsterdam healthcare provider.
Refusal of new policy?
Basic never (Zvw art. 11). Supplemental possibly due to medical reasons; try elsewhere or consult Amsterdam Legal Aid Office.