The own risk of care has been introduced to generate some “market force” in healthcare.
The health system, like other insurances, is based on the principle that more people do not use the provided care than people who make use of them.By the excess, the threshold is increased to care.
A lot of “basic care” is beyond the own risk, which allows people to choose whether or not to take care of them.
For people with low incomes there are a number of possibilities to relieve the pain: Care allowance and insurance through the municipality.
For people with income, care costs can be deductable and there are a few schemes for a specific group of patients.If you know that your care costs will fall high (think of chronic conditions) you can choose to pay the excess.
Occasionally, the threshold is quite irritating.My hearing aids are in replacement, but the excess attracts a dent of almost 400 euros in my budget.
And then the question comes: continue, or replace and tackle the pain?
And how much pain do I grab, which handset with what compensation do I take?
But this is the kind of balancing that the own risk seeks.
Health costs increase T.G.V. population increase, more chronic diseases (coming obesity and diabetes explosion), more masr clearly more expensive opportunities to treat more and more diseases, especially the new anticancer drugs that are very expensive, Some have not even been approved for the provision in NL, but in the US. All parties have done their best to limit the increase in these costs
In other terms, the costs would also have risen much more.
This increase means that either the ZvW contribution, a tax that covers 50% of the costs, and/or the premiums that the other 50% covers should rise, the latter is deducted from our income and is also considered by most to be a kind of tax.
If you want to keep this increase within bounds then the own Risiko will have to rise, it comes from the length or the width. Incidentally, 鈧?85,-per person per year is nothing compared to what is lost in the US to are = excess, only above this own risiko that thousands of dollars can amount annually returns the insurance. Our uncle is retired, lives in California, and says he is very well insured, yet he paid 3.000 dollars per year to his own Risiko for himself alone. It’s just what you’re used to.
Regardless of the type of insurance, most risk insurances have a form of excess.
The reason is that something that seems free, or very cheap in the perception of man has no value whatsoever.In such a case, the supplier has the impossible task of keeping the service qualitatively good. After all, it only costs him money.
But.. An excess, or an excise duty, or tax.. Has no real ceiling.It is offered to you cheaply in the first term, but then the buttons are screwed, and it is hoped that we will stay brave froggie while the water temperature is suspended to boiling point.
The current insurers work from the profit principle, not from the care principle.The pharmaceutical industry uses extortionate prices for certain medications.
Because the VVD makes the choices.
To keep the premium affordable.Of course, the excess may be lower or to zero, but in order to drain the insurance pots very quickly, the premiums should then go up with at least the same amount. Probably with much more, because it is then massively claimed by insured persons, and that must all be judged and dealt with. So the management costs of Di茅 insurance will go up strongly! And what are these higher management costs paid for? Exactly: the premium. There is no money boom in their garden.
Thus, the ‘ thus ‘ is a strongly increased claim behaviour and therefore higher dependence costs, if there is a much lower excess.
Different insurers will have different own risk thresholds.And therefore have to rely on higher and lower premiums. See where consumers ‘ preference goes: most likely to lower premiums. SO the own risk thresholds SHOULD then rise up, OR the coverage should be much smaller. Because there is no money boom in their garden.
‘, ‘ I assume you mean the excess of health insurance.Health care costs are rising rapidly, especially as demand increases. Yet we are not more sicker, but older. It is good that people are somewhat aware of what health care costs, I think a threshold is better than letting everyone pay a certain percentage of all costs. If you are over the threshold, the rest will be reimbursed. If I see how much nonsense people present at the GP’s post that could have been in the daytime or waited until Monday, while a phone call to, a visit to and a visite of the GP station cost about 40, 90 and 2 a 300 euro, they would May set a threshold of 25 to 50 euros per visit in order to channel it. Which plumber comes free for driving? Your GP will receive a tenner for each consultation shorter than 20 minutes within office time. For a visit 14 euros.