Health insurer VGZ introduces no-claims bonus for top-up policies
Tuesday 23 October 2012
VGZ is poised to become the first health insurance company to offer policy holders a no-claims bonus if they don’t make a claim on some policies.
The no-claims bonus can mount up to 40% over four years and only applies to top-up insurance policies such as extra physiotherapy and dental services. Nevertheless, policyholders who do not make a claim can cut a maximum €20 a month from their bills, VGZ says.
The actual premiums will be published next month.
Competition
On Monday, health insurer Menzis generated widespread derision after announcing the premium on its basic healthcare package will go down 50 cents a month next year.
The annual window for changing health insurance company comes at the end of the year, prompting insurers to publish their rates and special offers from the end October ownwards in an effort to attract new customers.
Some 4% of people shift insurance company every year.
Would a no-claims bonus encourage you to switch healthcare insurer? Have your say using the comment box below.
© DutchNews.nl
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Will the no claims bonus be transferable between health insurers? (As crap as I think this health insurance system is)
By me | 23 October 2012 8:46 AMPeople may actually avoid going to doctor even in severe cases cos to get the extra discount. I prefer the french health care system whereby the insurance companies reimbursed upto 90% of each medical claim.
By ufo | 23 October 2012 8:47 AMHow can VGZ be the first health insurance company to offer this no-claims bonus? If I remember right, Menzis used to do this a couple of years back.
By GGG | 23 October 2012 10:27 AMNever really agreed with the idea when there was a no-claim on the basisverzekering but at least then if you were genuinely healthy you got money back. If the same is true for people taking out extra insurance, then would it not be logical to assume that those people will simply not take that extra coverage at all & save not 40% but 100% of the costs? Am I missing something here? As it is if your teeth are healthy and you only go twice a year for a cleaning & checkup you're better off not having dental coverage because it will be more expensive for the coverage than the 2 visits.
By Michael K | 23 October 2012 6:02 PM