The difference between no-claimteruggave and their own risk are first that no-claimteruggave apply to everyone and that its own risk is a choice possibility. No-claim are the right which you have on refund of 255 euro per year if you little does not appeal or (claim) to compensation of care costs at your insurer.

You appeal, however, to compensation of care costs at your insurer, but less than 255 euro, then recover you the remained no-claim amount after the insurance year. Visits to the general practitioner, kraam - and obstetrician care tellen not for no-claimteruggave. Also for no-claimteruggave do not count the annual inschrijfgeld for the general practitioner. To children under 18 no-claimteruggave do not apply.

Own risk is the amount that you in? calender year firstly himself must pay (of 0 up to maximum 500 euro) before you recover your care costs of your care insurer. In ruil for this you get a discount on the premium. Under its own risk all care costs fall, except the annual inschrijfgeld for the general practitioner. For children under 18 no own risk can be chosen.



Source: Ministerie Verkeer en Waterstaat