The advantages of a refund insurance are:
- You can yourself molars to which care provider you go
- You get of all care providers the costs in principle compensated for, although no longer than the costs which are in the Netherlands usual.
- You have a good insight in the costs of your care

The disadvantages of a refund insurance are:
- The premium of the refund insurance is by all odds something higher than those of naturaverzekering.
- It can be that you accounts firstly themselves must pay and you must keep up then an administration of accounts which you must submit at the care insurer
- The care insurer compensates for according to in the Netherlands applying criteria to the costs.
- Your insurer has made no special agreements with care providers concerning price, quality and service.



Source: Ministerie Verkeer en Waterstaat