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Accepteert de verzekeraar mij?

Zorgverzekeraars zijn wettelijk verplicht om iedereen te accepteren voor de basisverzekering. In geval van aanvullende pakketten mogen zorgverzekeraars aanvullende acceptatie-eisen voor nieuwe klanten stellen. 

Geen directe acceptatie

Het gaat hierbij voornamelijk om de meest uitgebreide dekkingen en dan vooral aanvullende tandverzekeringen. In geval van een aanvullende tandverzekering moet de aspirant verzekerde een tandverklaring van zijn tandarts kunnen overleggen waarin staat of je gebit in orde is of dat er iets aan moet gebeuren. En zo ja, hoeveel geld het kost. Bij andere aanvullende zorg kan Bij deze verzekering worden medische vragen gesteld over je gezondheid. Het kan zijn dat je op basis van de uitkomst niet geaccepteerd wordt voor de aanvullende verzekering. 

Wachttijd

Bij een aantal zorgverzekeringen geldt een wachttijd voor sommige vergoedingen. Een wachttijd houdt in dat je gedurende een bepaalde periode na het ingaan van de zorgverzekering geen kosten hiervoor mag declareren. Deze regeling is in het leven geroepen om te voorkomen dat mensen op de hoogte zijn van een aandoening waar ze niet voor verzekerd zijn en zich er vervolgens bij de nieuwe zorgverzekering voor gaan verzekeren. Een beetje achterdochtig als je het mij vraagt. Het kan zijn dat je nietsvermoedend in december met een nog onbekende aandoening rondloopt en deze zich in januari openbaart. Het kan zijn dat je daar dan niet voor verzekerd bent. Ik raad een wachttijd af, tenzij je zeker bent dat je nu helemaal gezond bent.

 

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