nog -2244 dagen

 
 

Wat is mijn eigen risico?

Voor de zorgverzekering geldt een verplicht eigen risico voor iedereen van 18 jaar en ouder. Dat betekent dat je zelf een eerste deel betaalt van de zorg die je ontvangt. Dit wordt jaarlijks wettelijk vastgesteld en voor 2012 bedraagt het verplicht eigen risico €220. De wet stelt voorts:

'U kunt bij sommige verzekeraars vrijwillig kiezen voor een hoger eigen risico. Uw maandelijkse premie voor de basisverzekering is dan lager.'

Kortom je mag met een zorgverzekeraar een hoger eigen risico overeenkomen maar dan moet het wel gecompenseerd worden in de maandelijkse premie.

Verder stelt de wet dat bepaalde zorg niet onder het eigen risico valt zijnde:

  • huisarts;
  • verloskundige zorg en kraamzorg;
  • gratis bevolkingsonderzoeken, zoals het borstkankeronderzoek;
  • de griepprik voor risicogroepen;
  • zorg die door uw aanvullende verzekering wordt vergoed.
  •  

Onder aanvullende verzekering vallen speciale verzekeringspakketten die verzekeraars aanbieden waar je aanvullende premie voor moet betalen. Een voorbeeld is extra tandartshulp voor 18 jaar en ouder of een uitgebreide dekking voor fysiotherapie. Een verzekeraar mag daar geen eigen risico voor berekenen. Wel mag de verzekeraar bepalen dat het deels vergoed wordt maar dat staat dan ook in de polis en in verhouding tot de te betalen premie.

 

Eigen risico verhogen

Zorgverzekeraars bieden de mogelijkheid het eigen risico met maximaal €500 te verhogen tot €720 (staffel van €100). Doorgaans levert een verhoging van het eigen risico met €500 een premie voordeel van €250 tot €300 op. Meer risico levert dus een lagere premie op.

 

Risico nemen of voor veilig gaan

Als je gezond bent en je hebt de verwachting dat je ook komend jaar gezond zult blijven dan is het te overwegen voor een hoger eigen risico te gaan. Vergelijk het met het huren van een auto. Zou je €300 meer betalen aan verzekering om een eigen risico van €500 af te kopen als je geen ongelukken verwacht? Ik in ieder geval niet. Daarbij moet je rekening houden dat de meeste basis gezondheidzorg zoals een bezoek aan de spoed poli bij een sportblessure, medicijnen bij een exzeem, enkelee bezoeken aan een fysiotherapeut bij rugklachten vaak niet hoger zijn dan €220 ongeveer de kosten van het basis eigen risico. Toeval?  Als je dus gezond bent en er gebeurt je iets wat te overzien dan moet het minimaal twee keer gebeuren wil het je extra geld gaan kosten. En als er iets ernstigs met je gebeurt dan maakt €200 niet veel uit. Kortom als je gezond bent en ook het komende jaar gezond denkt te blijven dan is het verhogen van het eigen risico zeker het overwegen waard. Houd daarbij wel rekening dat je maandelijks minder betaalt en als er iets gebeurt dat je dan wel ineens €500 meer moet betalen. Geef het bespaarde bedrag dus niet te snel uit..

Tags: . Posted by on 2011-11-21


Post your own comment


19 comments:

?? ??????? ??? ?????????? ???? ??????? ???????? ? ???????? ? ??????? ?????????. ??????? ???? ?? ???????????? ? ??????? ??????? ?????????. ?????? ?????????: [url=http://vkx.biz/]http://vkx.biz/[/url] [url=http://vkx.biz/]??????? ? ????????[/url] ????: ??????? ? ??????????? ??????? ????? ????????? ??????? ? ???????? ?????????
 
by Richardglope on 2017-06-07
 

Hi All I found a list with All Binary Options brokers Where you can trade cryptocurrency Currencies, too you can deposit using Crypto Currencies http://binaryoptionswithoutdeposit.com/cryptocurrency-brokers/
 
by ivandorrel on 2018-01-18
 

http://levitra-20mg-priceof.online/ - levitra-20mg-priceof.online.ankor pricespharmacy-canadian.online.ankor http://buy-amoxicillin-amoxil.online/
 
by uxelasa on 2018-01-28
 

how to order Colospa in UK cheap no rx required >>> Want to buy Colospa with Discount? CLICK HERE!
 
by russboy on 2018-02-01
 

?????? ?????? ???? http://ikra.vkusnayaribka.ru +7 999 768-3-867
 
by RobertWap on 2018-02-01
 

?????? ??? ???????? ???????? ???????? ?? ??????? ? ???? ????????????? ???????? ???????? ??????????? ?????????? ???? ????????????? ????????! ???????? ?? ???????? ??????????? ????? ? ????? ????????????? ??????????? ????????? ?????? ? ??? ??????????? ?????? ? ????? ???????? ???????? ?????????????? ???????????: ??????? ?????? ???????????? ?????? ???????????? ? ?????????? ?????. ???? ?????? ????? 20 ???. ???????????: ?????? - ????, ????? ?? ????????? ???????????? - ????, ??????????? ???????? ? ????????? ??????????? ???????? ?? ????????. ???????, ? ??????? ???????: ????????????? ????????? ? ??????????? ??????????; ????????????? ????????-?????????? ? ????????? ?????? ????????????????? ? ?????????????? ??????????; ??????? ??????? ? ???? ?????? ??????????? ? ??????????????? ????? ? ???????????????? ???????; ????? ????????? ???????? ? ???????? ???????, ?????? ? ????????? ?????????. ?????????? ????? ?????????? ??????? ???????????????-???????????? ??????. ????: ????? 20 ???, ?? ??? ? ????? ???????????? ???????? ?? ?????????????? ? ?? ?? ????? 15 ???. ???????????: ?????? - ????, ??????????. ????? ????? ?????????? ????????. ????: ????? 20 ??? ? ????? ??????? ? ?????????????. ???????????: ?????? - ????, ??????????. ??? ?? ?????????, ??????? ????? ?????? ?????????? ?? ??? ???? ????? ???????????? ?? ???? ?????????????? ??????? ??????????? ????? ? ????? ??????????? ?????? ??? ?????????? ????? ??????????? ??????????????? ?????????? ?? ????????? ????????????? ?????????????? ? ??????????? ??????? ? ??????? ??????????????? ??????????? ??????, ?.?. ??????????? ?????? ?? ??????? ? ????????? «?????????» ???????? ????????? ???????????? ??????? ???????? - ??????????? ?????! ????????? ? ??? ?? ????: http://stroypr.com/
 
by David#gek[Ocyjirylyrihiryf,2,5] on 2018-02-02
 

????????? ????? ????? ? ??????? ??????? ?????????. ????????? ??????? ????? ???????? ?? ?????????, ??? ????????? ??????? ? ????? ?????? ?? 10-15 ?????. ????????? ????????????? ? ?????? ????????? ????? ? ?? ???????? ? ?????????. - otel52.ru - ????? ?????? ????????
 
by OtelWibre on 2018-02-04
 

Kamagra Oral Jelly Amazon Clean your pillowcases consistently, if you suffer from allergy symptoms. Pillowcases tend to acquire dirt, plant pollen, and also other substances that could definitely affect you. Washing them and your other linens can stop this from occurring. Whenever you can, try to buy non-allergenic bedroom pillows instances, bedding and also other bedding. Viagra Romana Don't do your childrens' research for them! It's so luring for taking over a undertaking and complete it, the two so that your kid will get a good level and so YOU can get it above with! It's not worth it, you will be only teaching your kids to depend upon other folks to perform their work with them. Generika Viagra Will not even attempt to try and time stocks and shares. This has been tried out by a lot of individuals, both expert and beginners, and no one can manage to shape it out. As an alternative, just depend on days gone by history of a unique stock to figure out if it is some thing you are able to take a chance on. Kamagra Apotheke Kaufen
 
by GeraldCoeld on 2018-02-04
 

ordering ED Trial Pack in UK NO PRESCRIPTION pharmacy >>> Want to buy ED Trial Pack with Discount? CLICK HERE!
 
by LarrycraMy on 2018-02-06
 

wh0cd7062 buy allopurinol over the counter viagra substitute anafranil generic abilify online what is the cost of cialis
 
by Aaronabalf on 2018-02-09
 

?????? ????, ????????? ???? ? ???????, ???????????????, ???????????? ??????? ? ???????????? ???????????! ????? 08 ??????? ?????? ????????? ???????? ?? ???????? ?????? ? ???????? ??????? ??? ??? ?? ?? ??????? ????????????. ?????? ???????? ????? ??????????, ??????????? ????????? ???. ???? ?????????? ????????????? ?????? «?????-??????», ???, ???????? ? ??????. ?????????? ?????? ? ? ???????? ???????????? ??? 6-7% ??????? ??? ???????? ??????? ?????? ????????? ??????????????????? ?????????? ???????. ??????, ??? ??????? ?? ??????? ??? ?? ??????? ???? ???????????? ???? ?? ??? ?? ? ?????, ?? ?????? 15%. ?????? ?????????? ??????????? ?????? ??????????? ???? ??????? ???? ??????, ????????? ?? ?????? ?? ?????????????? ??????? ?????????. ??? ?????????? ?? ??????. ??????? ??? ???????? ??????? ?????????? ??? ??? ??????????? ?????????????? ?????????? ????????. ?????? ??????????????? ?????? ?? ??????? ?????????? ??????. ?? ???? ? ???????? ?????????? ? ??????????? ???????, ???????? ?? ??????? ? ?????? ???????. ??????? ?????? ?????????? ????????? ???????. ?????? ?????? ?????? ???????????, ? ???????????, ???????? ??????? ???????, ??????????????, ??? ????????? ????????????? ?????????. ????? ???????, ?????? ???????? ??????? ???????. ???? ?????? ?????????? ? ??????????? ?? ???? ???????? ???????? ????????????, ?? ?????????? ? ???? ?????. ?? ?????? ?????? ????????? ? ?????? ?? ??????? ??????-??????? ?? ? ???. ?????? ?????????????? ?????? ???????? ?? ?????? ??????? «????? ??????????»? ??? ??????????? ?????????? ???????????? ?????? ???????. ?????????? ????????, ??? ?????????????? ?????? – ??? «??????????» ???????. ??? ?????????? ????? ??????????, ?????? – ?? ??????? ????????, ? ?????????? ???????, ?????????? ?????????? ???????? ?? ??????. ?????? ?????????? ???????????, ?????? ????? ??????? ?????????????? ???????. ???? ????? ?????????: «????? ????? ??????, ?????? ????». ??????? ?????? ????????????? ????? ??? ???????? ??????????? ?????, ??? ?????????? ????? ????????? ???????. ???? ?????????? ???????????? ?????? ????? ??????????? ??????? ?????? ?????????????? ????????, ???? ???? ??? ?????? ?? ???, ?? ?? ??????-?????. ????? ?? ??????? ?????? ?? ?????? ?????? ???????? ????????? ? ????? ?????????? ??????????. ???? ??? ?????????? ????? ? ??????? ??? 12 – 14% ???????, ?.?. ????? 1% ? ?????, ????????? ??????????? ? ????? ?????????????????? ?? ??????????? ?????????? ???????. ????? ?? ????? ?????? ??? 7 % ? ?????, ??????? 84% ???????? ? ???, ??? ?????? ???????. ?? ??? ??????? ? ?????? ????? ???????, ??? ???????? ?? ???????? ???????? ??????? ????????. ? ??? ?? ?????????: «??????, ??? ?????, ?????????? ??? ??????». ?? ??????????? ????????? ???????? ?????????? ??????? – ?????????? ???????? ?????????? ??????????? ????? ????????????????. ?????? ?????????? ??????????? ?????? ???????????, ?????????? ?????? ? ????????????? ??????. ?? ???? ????? ???? ????????, ??? ???????????? ??????????? ?? ?????? ?????????? ????????????????? ?????????? ?? ???????????. ???? ????? ?? 2012 ????, ??????????? ??????????? ?? ???? ?????????? ?????? ????????????, ?? ?? ????? ???????????? ? ??????????? ??????? (????????? ???? ????????) ???????????? ?????? ?????????? ????????????? ????????, ?????????? ????????????? ?????? ??????? ??????????? ? ????????? ??????, ???????????? ???????? ???????? ???????????. ???????? ?? ???????, ??? ? ???, ? ????? ??? ? ???????, ??????? ???? ???????? ?????? ?? ????? ??????????? ?? 10 – 15%. ?????? ???????????? ???????? ?????? ???? ????????????? ??????-????????? ???????????, ???????? ????????? ??????. ??? ????? ?????????????????? ????? ???????? ?????????? ??????? ?? ??????? ???????. ? ?????? ????? ??????????????????, ?????????? ???? ?????? ?? ???????, ? ????????? ???????, ???????? ????????? ???. ? ???????? ?????????? ???????? ? ???? ??????????????? ??????????????? ?? ???? ??????? ? ??????????, ??-???????????, ?????? ?? ?????? ??????? ???????. ?? ???????, ??????? ????????? ?????????????? ??????????, ???????? ? ?????????????? ???????. ? ??? ????????????? ?? ???????. ???????? ??? ?? ???? ???????????? ?????????. ? ???? ??? ?????????? ?? ??? ???????? ???????????. ????????? ???? ???????. ??????? ? ??????????? ?????? ???????. ?????????????? ????????? «?????» — ?????? ?????????????????????? ????????????, ?????????? ?? ???? ???????????? ????, ???????????? ????. ????? ?????????? ?? ??? ???? ????? ?????????? ?? ??? ????? ?????????????? ?? ???? ?????? ????????? ?????????????? ???????? "?????"
 
by DavidTek on 2018-02-10
 

Comprare Levitra Originale Among the most awful pieces about living with back problems is it is sometimes tough to realize precisely what is resulting in it. This post will help you to recognize a few of the roots of your respective soreness and it also even provides guidelines on how to accept and eventually remove back discomfort. Vendita Cialis Originale Acquire images with you phone without messing within the image by shaking it a lot of. Utilizing the volume handles found on your earphones will help solve this concern instantly. First, level your camera with the topic and maintain your hands from moving. Just push the switch on the headphone cord to accept photo. Kamagra Gel Controindicazioni Find out where surgical procedures will occur in advance. You can do some study about this area. Be sure your physician has determined a licensed, and licensed spot. Make sure that his or her office is inspected, and accredited. If your surgery is going to be completed in the surgeon's exercise. Acheter Levitra Generique En France
 
by MatthewMalse on 2018-02-14
 

??? ??????? ???? ? ????? ????? http://Newsfind.ru
 
by NewsfindTed on 2018-02-15
 

Ultra Flex ??? ?????? ?? ???????? ???????? ?????, ?????, ??? ? ??? http://www.1541.ru/cms/ultra-flexs.php AminoBoosters ? AminoPure ?? Get Your Boom - ????????? ?????????? ????, ????? ??? ????? ???????, ???? ?????????? ?? ?????????? YTE - ??? ??????????? ?????? ? ????????? ?????????????? ??? ???????? - ???, ??? ???????? ?????????. AminoBoosters ? AminoPure ??????? ???????? ? 3-7 ??? ? ??????? ?? ????????? ? 2 ???? + ????????? ??? ???????????? ???????. ????????? ?????? ?? 35% - ?????? ?????????? ??????? ????? ???: ????, ????????, ??????? ???????????, ????????, ???????????, ???????, ??????, ?????, ????????????, ???? ? ?????, ???????? ???????? ??????, ???????? ????????, ????? ?????, ????? ? ??????????, ??? ?????, ????????, ??????????????, ?????????, ??????????, ??????????? ?????????, ??????, ????????, ????? ? ??????, ?????????, ???????????, ??????, ???? ? ????, ????????????, ??????? ????????, ?????????????? ???????, ???????, ????????, ???????? ????, ??????, ?????? ? ??????????????????? ???????, ????????, ??????, ??????????, ????????????, ????????? ???????? ???????, ??????????, ??????????? ??????????, ??????????, ??????????, ??????, ???????, ??????, ?????, ??????? ??????, ??????, ??????? ????????, ???????? ??????, ???????????, ??????????, ????, ????????, ???????, ????, ???, ??????, ?????????? ??????, ???? (?????????????????? ????? ??? ???????), ?????????? ?????, ???????, ???? ?? ??????, ???????. ???????????. ??????????????? ?? ???????????? ? ??? ?? ?????????, ????????? ?????????. ????? ??? ??? ??????? Laminine LPGN. ?????? ???????? ???? ? ??????? ?? ?????. ????? evg7773 Ultra Flex ??? ?????? ?? ???????? ???????? ?????, ?????, ??? ? ??? http://www.1541.ru/cms/ultra-flexs.php Relieve those aches with Ultra Flex’s - Are you tired of the achy knees? Inflammation that make your back, hands, feet and even legs hurt? Say goodbye to those days! http://derosehealth.com?aff=25 Womens Fashion BeeBopaLoo https://lddy.no/2x8e How to get a product at a price 8 times cheaper than Laminine LPGN? http://www.getyourboomback.com/#_l_2nr https://dentalpro7.com/dentalpro7?afmc=ar Dental Pro 7 - 'Professional Strength' Dental Solution (Liquid Concentrate) 22ml - For Unhealthy Teeth and Gum Problems
 
by Kevinbioxy on 2018-02-17
 

new usa online casinos 2017 kasino casino games real money casino games real money
 
by Williampievy on 2018-02-17
 

????????? ?????????? ??? ?? ??????? http://www.1541.ru ? AminoPure ? AminoBoosters ?? ???????? Get Your Boom, ??????? ? 3-7 ??? ??????? ? ? 2 ???? ??????? ??? Laminine LPGN ?? ???????????? ????????? YTE. AminoBoosters and AminoPure are 3-7 times more affordable as Laminine by LPGN. ????????? ????? - ??? ????????? ??? ???????????? ??????? ????????. ?????? ???? ?????? ??????? - LAMININE LPGN, ??? ? ??????? ????? ???????????? - FGF, ?????????????? ???????? ????? ???????? ?????????, ????????? ?????, ?????? ?? ???? ??? ????????, work at home, ?????? ???????????. ???????? ?? ????? ????????? ???????? ????? $10 ?? ????? ?? 30 ???. ?????? ????????????? ?????????? 1 ??????? ????? ?? 9 ???. ?????? ????? 1 ??? 9 usd ??? ????????? ?????????
 
by RobertWap on 2018-02-18
 

Generico Viagra Online Take your young ones food shopping and let them help with dinner organizing and making the grocery list. This is a fantastic opportunity to make them learn about budgeting in the community of meals. Since they learn to do a price comparison, get good deals, and utilize discount coupons, they will be getting skills they may use forever. Viagra Generique Pfizer Business real estate buyers acquire house with the aid of lenders so that you can produce a income, by leasing them or selling them. Anybody can become a professional property trader, presented that they have the proper equipment and information readily available. This article under, ought to offer you all the details required. Viagra En Pharmacie Ordonnance Expand your own natural tomatoes easily. Tomato plants adore light, so go with a spot that will get sunshine all day long. Allow place between your tomato plant life to lessen the possibility of dirt ailments that may impact your crop. If you buy seedlings as an alternative to sprouting your very own, steer clear of little seedlings with poorly developed underlying techniques they will consider weeks to demonstrate any genuine progress. Generique Cialis En France
 
by Russellhop on 2018-02-18
 

online casino real money vegas casino games online gambling casino play casinos
 
by VenessaPiold on 2018-02-19
 

Sorry for off-topic, I'm thinking about creating an interesting internet site for students. Will probably commence with posting interesting facts such as"Dragonflies are capable of flying sixty miles per hour, making them one of the fastest insects. This is good since they are in a big hurry, as they only live about twenty-four hours."Please let me know if you know where I can find some related information and facts like right here http://customizedessays09.iktogo.com/post/--attempt-to-buy-essays-online-and-you-will-not-quit--
 
by GreysSaf on 2018-02-20