Health insurance and children

In the Netherlands there is a basic insurance for everyone. It is an insurance for the costs of care. Nevertheless, there are a number of points of attention that the parent must observe in connection with health insurance and children .

Child is insured free of charge

Children up to the age of 18 enjoy free basic insurance. Free basic insurance means that no premium has to be paid. Moreover, no deductible is withheld for children. In most cases, the children also benefit from additional insurance without premium. Usually the lowest additional insurance of both parents is also valid for the child. It is important to register your child on your health insurance as soon as possible. Most insurance companies include a certain period in the conditions and your child must be added to your health insurance within that period .

Supplement to health insurance: a wide range of options

Many consumers opt for limited additional insurance. But you should also remember that your current situation means that Children up to 18 years of age enjoy free basic insurance. Free basic insurance means that no premiums have to be paid. This can change drastically when you have children. As an adult, you only need a reimbursement of basic care, but with the arrival of children your costs will of course be much higher. Because if your child falls ill, you naturally want to make use of all possible medical assistance that Children up to the age of 18 enjoy free basic insurance. Free basic insurance means that no premium has to be paid. has to offer. The cover can be used for orthodontic treatment for a brace or even for a cosmetic procedure. The coverage of the additional insurance that you have chosen also determines whether you are entitled to reimbursement of the costs associated with the treatment of your child. So you should definitely reconsider the reimbursements of your additional insurance. It is therefore possible that your opinion about the additional insurance and the health insurance in general changes with the arrival of children.

Reimbursement of dental costs for the children

The good news is that, unlike dental costs for adults, costs of the same name for children (up to 18 years) are usually covered for 100% by the basic insurance. Adults must take out special dental insurance to cover dental costs. You do not need to take out separate insurance for dental costs for children.

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