A refund insurance is similar with most of current private the insurance.
Can you yourself choose your care provider, but must you the account of the care provider firstly himself pay before you reimburse the expenses by your care insurer gets.

In some cases make care insurer and care provider appointments that the care insurer pays the account directly.
Because your insurer has less influence on the price of the granted care and with that on the declared costs the premium of the restitutiepolis will lie generally higher than those of naturapolis.


Source: Ministerie Verkeer en Waterstaat