How to complain about Dutch health insurances?

First of all, contact your health insurance company. If you have a problem about a bill, they may well tell you to contact the hospital or healthcare provider to sort it out.

The hospital or healthcare provider will probably tell you that you need to sort it out with the insurance company. You then have to tell your health insurance company they have paid a bill on your behalf without checking first with you and it is up to them to sort it out.

After going backwards and forwards a few times, it is time to contact the SKGZ. The Stichting Klachten en Geschillen Zorgverzekeringen was set up to deal with complaints about health insurance companies. There is no information on their website in English.

Contact: 088 900 6 900

 All health insurance companies are allied to the SKGZ, which first of all operates as an ombudsman to try to mediate between you and your insurance company.

If that does not work, you can take your complaint to the SKGZ’s ‘commission of differences’ which will make a decision on your case which is binding. It currently costs €37 to take a case to the commission but you get this back if you win.

The Dutch health authority (NZA) also runs an information service and hotline where you can ask questions about:

  • Healthcare provider fees
  • Healthcare provide bills
  • Health insurers’ provision of information
  • The legality of policy conditions

The NZA won’t act on your behalf but it will provide information you can use to strengthen your case.

Contact: 088 – 77 08 770



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