Insurances

Collective healthcare insurance 2018

Introduction

The University of Twente has concluded a collective health insurance with Menzis for its (retired) staff members and their families. By so doing, the University believes it can offer you a good-quality and affordable health insurance.

As participant in the collective health insurance you will receive a collectivity discount of 10% per month on the premium of the basic insurances Menzis Basis and Menzis Basis Vrij. The discount on the premiums of the additional and dental insurances is 12%. This premium discount also applies to the combination package JongerenVerzorgd; an additional insurance and a dental insurance all in one for young people between the ages of 18 and 30. There is no premium discount to the basic insurance Menzis Voordelig and the corresponding combination packages Aanvullend and Extra Aanvullend.

Participation

Staff members and retired staff members residing in the Netherlands

You can use the UT’s collective health insurance if you are employed by the UT or are retired. Besides, you and your partner and your children up to the age of 18 as well as and any unmarried children up to the age of 27 who study irrespective of whether they are or are not a member of the household, can also participate in the UT’s collective health insurance.

Staff members residing in Germany

Staff who live in Germany will as a rule have to take out (basic) healthcare insurance in the Netherlands. For this, they can make use of the UT's group healthcare insurance. Registration can be done online via menzis.nl/utwente

After registration you will receive an E106 treaty form from Menzis, with which you can also register with a German insurance institution (Krankenkasse). This registration is free of charge. After registration with a Krankenkasse, you can make use of medical care in both the Netherlands and in Germany. The Krankenkasse reports family members who are also insured with the CAK.  Family members who are jointly insured are entitled to medical care in accordance with the legislation in Germany. If desired, they can take out supplementary insurance with the Krankenkasse. A nominal premium (treaty contribution) is payable to the CAK for the entitlement to medical care of a jointly insured spouse and children above 18 years of age. This premium will be charged to you by the CAK. For more information, see the website of the CAK (Dutch only).

Do you live in the Netherlands and your family members live in Germany? These family members cannot take out healthcare insurance in the Netherlands. They can often still be jointly insured, however. To this end, you can apply for the E109 treaty form from Menzis. This form should be submitted to a Krankenkasse. If it is established that your family members are jointly insured, you can register them with a Krankenkasse by means of the E106 treaty form. Family members who are jointly insured are entitled to medical care in accordance with the legislation in Germany. If desired, they can take out supplementary insurance with the Krankenkasse. A nominal premium (treaty contribution) is payable to the CAK for the entitlement to medical care of a jointly insured spouse and children above 18 years of age. This premium will be charged to you by the CAK. For more information, see the website of the CAK (Dutch only).

If you have any questions about health insurance in international situations, please contact the Menzis Team Polis Buitenland: polisbuitenland@menzis.nl or +31 (0) 53 485 34 77.

Retired staff members residing in Germany

As a rule, retired staff members residing in Germany and their families cannot take out health insurance with a Dutch health care insurer. They are only entitled to medical care as provided for in Germany and need to register with the CAK. For medical care they can turn to a German health care insurer (Krankenkasse). Persons from the age of 18 are due a nominal premium to CAK. On working days between 8.30 a.m. and 12.30 p.m. retired staff members residing in Germany can contact the CAK by telephone on +31 88 711 5551.

Insurance packages

Menzis’ website shows you the various basic and additional packages which UT staff members can take out at a collectivity discount. You will also find the reimbursement guides and the premiums.

Basic insurance

The Dutch health care system has a statutory basic insurance for everyone residing in the Netherlands or abroad but working and paying wage tax in the Netherlands. Children up to the age of 18 years are co-insured with their parents. Children from the age of 18 years are to take out a basic insurance themselves. The government establishes the insured package for the basic insurance. The basic insurance compensates a large part of your medical costs, like GP care, specialist medical care, delivery and maternity care, medication, stay in a hospital and patient transport.

Additional insurance packages

On top of the basic insurance you can choose additional insurances, so called: Collectief Aanvullend 1,2,3 or 4. This additional insurance compensates care that is not or only partly covered under the basic insurance. For example, alternative medicine, physiotherapy and spectacles. You can decide whether and which additional cover you take out in addition to the basic insurance. Children under the age of 18 years do not pay any premium for additional insurance products, provided the package chosen is the same as that of one of their parents.

The basic insurance Menzis Basis Voordelig can only be combined with Aanvullend or Extra Aanvullend. This is an additional insurance and a dental insurance all in one.

There are also staff members who choose to take out the ‘standard’ additional insurances; ExtraVerzorgd 1,2 of 3. If you are one of them please check: www.menzis.nl/utwente, FAQ,” Can I also choose the standard additional insurances?”

Combined additional package JongerenVerzorgd

Young people between the ages of 18 and 30 may combine the basic insurances Menzis Basis and Menzis Basis Vrij with a special supplementary insurance package: JongerenVerzorgd. This package is an additional insurance and a dental insurance all in one. To be able to choose for this package, go to: www.menzis.nl/utwente, FAQ,” Can I also choose the standard additional insurances?”

Dental insurance packages

In the basic insurance, persons up to the age of 18 years are insured for elementary dental care such as regular preventive dental examinations, anaesthesia, fillings and fluoride treatments. If you are aged 18 years or older, your dentist costs are not compensated under the basic insurance. You can take out a dental insurance policy for this: Collectief Tand 250,500,1000

There are als staff members who choose to take out the ‘standard’ dental insurances; TandVerzorgd 250, 500, 750. If you are one of them please check: www.menzis.nl/utwente, FAQ,” Can I also choose the standard additional insurances?”

WorldwideClause

If you have to stay abroad for the UT for a longer period (more than 3 months), good cover for healthcare costs is vitally important. The cover provided by a regular Dutch health insurance policy, combined with the collective travel insurance, does not always appear to be sufficient. Therefore, the UT has made agreements with Menzis on a temporary extension of the healthcare insurance cover for you and your family members: the Worldwide Clause. In order to qualify for the Worldwide Clause, you must be insured with Menzis (basic + additional).

Medical acceptation

It is up to you which health care policy precisely you choose. Menzis accepts all staff members, retired staff members and their family members for the basic insurance and for all supplementary types of (dental) insurance which are part of the UT’s collective health insurance. However, a waiting time from 1 year applies to some dental care (crowns, bridges, implants and orthodontics).

Premium

On https://www.menzis.nl/utwente-eng you will find the premiums of the collective healthcare insurances. In case of quarterly, half-yearly or annual payment you will receive a payment discount. Also you can opt for an extra personal excess. In exchange, you receive a reduction on the premium.

Personal excess

In 2018 the basic insurance has a compulsory excess of € 385 per calendar year for insured aged 18 years and older. This means that, if in any calendar year you have incurred medical costs, you will pay the first € 385 yourself. If you do not make any medical costs during the entire year, of course you do not pay any excess. The excess – compulsory and voluntary – does not apply to all medical care. Care provided by the GP, care for children under the age of 18 years andobstetric care, are not subject to excess.

Application

You can register with Menzis online via menzis.nl/utwente

When register?

As a rule, your participation in the UT’s collective health insurance can only start as from 1 January of any calendar year. The following situations, however, are exemptions:

  • If you change employer and are able to convert your current collective health insurance with Menzis or another healthcare insurer into the UT’s collective insurance.
  • If you are insured abroad and because of your employment with the UT are obliged to take out health insurance in the Netherlands.
  • If you are currently uninsured for healthcare costs, but are obliged to take out health insurance in the Netherlands. 

Adjustment

You can easily report adjustments online using My Menzis. Do you need help, please contact Menzis Customer Service

Adjustment cover

It is not possible to adjust the cover of your health care policy in the course of the calendar year. However, there is one exception to this. If a co-insured child reaches the age of 18 years, it must take out his or her own Basic Insurance. If your child is unmarried and a student, he or she can continue to participate in the UT’s collective health insurance and remain on your health care policy. If your child is married or is not a student, he or she must apply for his or her own health care policy. In both situations you can make changes to your child’s additional insurance and the dental insurance. You can also opt for a first risk clause. These changes are to be passed on to Menzis no later than in the month in which your child has reached the age of 18 years. The changes will always be effective from the first day of the month following the month in which your child has reached the age of 18 years.

Changes in your personal or family situation

A change in your personal or family situation may have consequences for your health care policy, for example in case of a birth, death, marriage or divorce. But also if a family member moves to his or her own address. Only family members who move for reasons of study, can remain insured via you. If this is not the case, the family member must take out his or her own health care policy. You are required to pass on any changes in your personal or family situation that are relevant for your healthcare policy to Menzis within 30 days.

Termination of employment

If your employment with the UT ends, you are to pass this on to Menzis. As a rule, your health insurance will be continued for the remainder of the calendar year on the basis of the then applicable individual conditions and individual premium rates. This means that the extras in the specific UT arrangement will cease to apply. The same applies to the collectivity discount over the premiums of the Basic Insurance, additional insurance and dental insurance. There are three exceptions to this rule:

  • Your employment ends due to (early) retirement. You and your family members can continue to participate in the UT’s collective health insurance on the same conditions and with the same premium rates. You do not need to do anything.
  • Immediately following your employment with the UT you start with another employer in the Netherlands who offers you a collective insurance. You can switch prematurely to the collective health insurance of the new employer. In this case you must cancel your health insurance with Menzis within 30 days after the commencement date of your new employment. The termination of your insurance with Menzis and your new registration with the new health insurer will have no retroactive effect. Both will be effective from the first day of the same calendar month.
  • Immediately following your employment with the UT you take up residence abroad and you are no longer obliged to take out health insurance in the Netherlands. After cancellation Menzis will terminate your insurance effective from the day on which this new situation commences.  

Declaration

Would you like to claim an invoice? You can do this easily in My Menzis. If you have an invoice regarding costst you made abroad, you have to claim in writing. Please check the Menzis Customer Service website for more information about claiming.

Termination

Without any notice to the contrary Menzis will renew your health insurance each time for one calendar year.

Termination at the start of a new calendar year

If you wish to terminate your insurance with Menzis at the start of a new calendar year, you are to do so in writing before 31 December of the current calendar year. Subsequently you have the time until 1 February of the new calendar year to take out another Basic Insurance with another insurer. This new Basic Insurance will then commence as per 1 January of the new calendar year.

Termination in the course of a calendar year

As a rule it is not possible to terminate your insurance with Menzis in the course of a calendar year. There are two exceptions:

  • Your employment with the UT ends and immediately following you start with another employer in the Netherlands who offers you a collective insurance? You can switch prematurely to the collective health care insurance of the new employer. In this case you must cancel your health care insurance with Menzis within 30 days after the commencement date of your new employment. Your cancellation of your insurance with Menzis and your new registration with the new health care insurer will have no retroactive effect. Both will be effective from the first day of the same calendar month.
  • Your employment with the UT ends and immediately following you take up residence abroad and are no longer obliged to take out a Dutch health insurance? After cancellation Menzis will terminate your insurance effective from the day on which this new situation commences.  

More Information

Do you have any questions about the UT’s collective health insurance or do you wish to pass on information? You can reach Menzis in various ways. For more information go to menzis.nl/utwente or check Menzis’ Customer Service page.