All you need to know about payments
Let's be honest: nobody likes paying their bills. So the least we can do is make it easy for you. That's why you can choose how you want to pay your premium and healthcare invoices. We offer a number of payment options. Did an invoice come at a bad time? No problem, we can help you with that as well.
Payment information
Invoice and payment
You may receive different invoices from us. An invoice for your premium, for example. Or an invoice for your excess or personal contribution. All of your invoices at clearly presented for you in the VGZ app.
Payment method
It’s up to you to decide how you want to pay your invoices. There are 3 options. Simply select your preferred method in the VGZ app:
- Direct debit
- iDeal link
- Payment request by mail
Extra charges for paper mail
If you choose to receive your invoices and other communication via paper mail, you'll pay a fixed amount of € 1.25 per month. Receiving your healthcare policy and healthcare card via paper mail is free of charge.
You can also opt for digital invoices and other communication, via email. This is secure and free of charge. Select your preferences in the VGZ app.
Which costs are not covered by your health insurance?
Your excess
Your excess consists of the annual out-of-pocket costs before your health insurance takes over. The mandatory excess is determined by the government each year and is currently € 385. You’ll pay these costs if you use healthcare that falls under your basic insurance package, such as drawing blood, a visit to the hospital or transport by ambulance.
Your personal contribution
Some types of healthcare are not covered by your health insurance. You’ll have to pay for (part of) these yourself. Examples are medication or medical devices, such as prescription glasses. Always check your insurance package to find out which costs are your own responsibility.
Uncontracted healthcare providers
Treatments not included in your insurance package
Treatments that exceed your maximum budget
For some types of healthcare, such as alternative medicine, you may have an annual budget. If this budget runs out, any additional costs are out-of-pocket. Your budget can also consist of a maximum number of treatments. For example if you go to a physical therapist. In other cases, you may only be allowed a maximum budget per treatment.
Your first premium payment
When and how you pay your first premium depends on the payment method you selected when you signed up for our health insurance. You can check your preferences in the VGZ app.
Direct debit
If you chose the payment method direct debit, we’ll send you a notification before your very first payment. From that point on, we’ll always collect your premium on the 27th of each month. This will happen automatically. You won’t receive any more notifications after your first direct debit payment.
Payment via iDeal
Did you select payment via iDeal? Then we’ll send you an email that includes the amount of your premium and a payment link. To pay your premium, all you need to do is click on the secure link.
Payment assistance
Pay in installments
Sometimes an invoice comes at a bad time. That’s okay. If this is the case, we can often help you. Simply apply for a payment plan and pay in installments. This won’t cost you extra.
Pay your excess in installments
Are you expecting to need a lot of healthcare next year? And do you think you may use up all of the € 385 excess? Don't worry, you can pay your excess in installments. Apply for this payment plan via the VGZ app. You can do so between the 12th of November and 31st of January.
The VGZ health care app in English
The VGZ app offers all kinds of useful services in English for your health and insurance. Our app has been rated the best health app in the Netherlands. Download it now.
