Service & Contact

In order to provide you with the best possible service, we have listed frequently asked questions below. On this page you will also find more information about the VGZ Zorg app (in Dutch). You can also download different forms (see below). If your question is not listed hereunder, please contact us.

Frequently asked questions

  • What is my reimbursement for physiotherapy?

    In order to inform you about your reimbursement for physiotherapy treatment, we need to know whether your condition is classified as chronic or acute. Your physiotherapist can tell you this.

    Physiotherapy for chronic conditions. The first twenty treatments will not be reimbursed, unless you have additional coverage for these. If your condition is included on the Borst list of chronic conditions, your basic health insurance will provide cover starting with the 21st treatment onwards.

    Physiotherapy for acute conditions. Basic health insurance does not cover physiotherapy for an acute condition. Your supplementary insurance covers treatment for acute conditions.

    For a comprehensive overview, please consult VGZ supplementary conditions.
  • What is my reimbursement for eyeglasses and contact lenses?

    Covered by basic health insurance
    Reimbursement is only for exceptional cases.

    Covered by additional insurance
    Reimbursement is covered under most additional insurance coverage.

    For a comprehensive overview, please consult VGZ supplementary conditions.
  • How can I submit claims?

    Do you have a healthcare invoice that you want us to reimburse? You can do so simply and securely online via Mijn VGZ (in Dutch) or the VGZ Zorg app (in Dutch). Unfortunately our app is only available in Dutch. If you do not speak Dutch, you may file your reimbursement claim in English by post (see next).

    Reimbursement by post

    To submit a hardcopy claim, please complete the English language claim form and attach your original invoice(s). Mail these to the physical address on the claim form. You will receive your reimbursement within 10 working days.

  • What is my reimbursement for healthcare when abroad?

    Covered by basic health insurance

    Emergency treatment

    Do you need emergency treatment while abroad? Always call the VGZ emergency control centre on +31 40 297 55 50 (this phone number is available seven days a week, 24 hours a day). Healthcare costs incurred in a foreign country will be reimbursed according to the rate that is applicable for similar care in The Netherlands. The cost of treatment in a foreign country may be higher than it would be in The Netherlands. In that case, you must pay the shortfall yourself, unless you have taken out additional insurance that covers treatment abroad and/or you have travel insurance.

    Non-emergency treatment

    For non-emergency treatment, the amount that you are reimbursed depends on which type of basic healthcare insurance you have. Different rates apply for VGZ Eigen Keuze than for VGZ Ruime Keuze policies.

    The reimbursements listed below apply to non-emergency (scheduled) treatment:

    Insurance Reimbursement Policy excess
    VGZ Ruime Keuze Contracted healthcare: up to a maximum of 100% of the contracted rate

    Non-contracted healthcare: up to a maximum of 80% of the average contracted rate
    VGZ Eigen Keuze Contracted healthcare: up to a maximum of 100% of the contracted rate

    Non-contracted healthcare: 100% of the market rate in the Netherlands

    There is a list of all contracted healthcare providers in foreign countries which you can find by using the search filter ‘buitenland’ under Zorgzoeker (in Dutch). If you need help with the Dutch text, please contact us.

    Permission for non-emergency treatment

    If you wish or need to be treated abroad and this treatment requires admission to hospital or another institution for one or more nights, you must obtain our permission in advance. Without prior permission, you risk not being reimbursed.

    Invoices that have already been paid for non-emergency treatment in a foreign country

    You can claim retroactively for healthcare invoices that you have already paid for non-emergency treatment in a foreign country. Please remember that we only accept invoices written in one of the following languages: Dutch, English, German, French or Spanish. Healthcare providers in foreign countries work according to different systems. For this reason, we may need additional information about your treatment so that we can process your invoices. We will inform you if we need additional information.

    Covered by additional insurance

    The following applies to additional insurance coverage from VGZ, with the exception of dental insurance:

    • Supplementary cover providing up to 100% reimbursement (applying to equivalent Dutch rates) for emergency treatment during your holiday or temporary stay abroad. If the costs exceed the maximum policy coverage, you always pay the shortfall yourself.
    • Transport from a foreign country (repatriation) when arranged by the VGZ emergency control center.
  • Does my healthcare provider have a contract with VGZ?

    We make service contracts with healthcare providers for most types of treatment or we have assigned healthcare providers. If you need help finding a contracted healthcare provider, check under Zorgzoeker (in Dutch) to see which local healthcare provider has been contracted or assigned.

    If you need help choosing a healthcare provider, such as a specialist, or to arrange quicker treatement due to waiting times, the Zorgadvies en Bemiddeling' Department (in Dutch) can assist you. Call our healthcare advisors on +31 (0)88 - 131 16 11 on working days between 8.30 a.m. and 5 p.m.

  • How can I apply for a health insurance card?

    You can have your health insurance card at your fingertips using the VGZ Zorg app (in Dutch)
    The VGZ Zorg app gives you quick and easy access to your health insurance card and your EHIC (European Health Insurance Card) information. This app also works outside The Netherlands, so wherever you go, the app goes with you. With this app, you can also:

    • process claim quickly and easily
    • check your policy coverage and remaining cover balance
    • find important telephone numbers, anywhere any time.

    App store   Google Play

    Why is your health insurance card necessary?
    Your citizen service number and VGZ customer number are listed on your health insurance card. Healthcare providers need this information in order to send file claims, and they may ask you for this information.

    Your EHIC (European Health Insurance Card) status is also listed on your health insurance card. With this card designation, you are covered for essential medical assistance in most European countries.

    If you would prefer to have a physical health insurance card
    Please contact our customer service department (tel. 0900 - 84 90), on Mondays to Fridays from 8.00 a.m. to 8 p.m. and Saturdays from 9 a.m. to 1 p.m.. Your new health insurance card will be sent free of charge to your address within three weeks. In the meantime, you can use your policy document where necessary.

VGZ Zorg app (in Dutch)

Manage your healthcare affairs wherever you are

Simply submit your expense form as a photo or PDF, for example. View your healthcare invoice or policy or check your excess balance. Another handy feature: the VGZ Zorg app means you always have your insurance card and important phone numbers with you and you can easily pay invoices for healthcare expenses via iDEAL!

VGZ Zorg app downloaden in de App Store     Google Play

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