What is in-kind insurance?

Do you need to go to the hospital or another health care provider? In that case, your health insurer will reimburse the costs only if you go to a contracted care provider. Have you chosen a care provider with whom the health insurer does not have a contract? Then you will probably have to pay some of the costs yourself. This is often 20% of the entire bill.

Advantages of in-kind insurance

The advantage of an in-kind policy is that it is often a more affordable health insurance compared to the restitution policy. This is due to the contracts that your health insurer has signed with specific healthcare providers. Another advantage: In most cases, you won’t have to pay any bills up-front.

Disadvantages of in-kind insurance

The disadvantage of an in-kind policy is that your choice is restricted to the health care providers that your insurer has a contract with. If you want to go to another hospital, you will have to pay part of the costs yourself. In the event of hospitalization, this amount can add up considerably. It is good to know that this does not apply to emergency care, in which case you can go to any hospital. You are also always insured if you have to go to hospital in an ambulance.

In our comparison, we indicate whether you have free choice of care. If the insurer of your choice has a cross for this aspect, this means that you cannot always go to the hospital of your choice. If so, take a look at the details to see which care providers have been contracted and which have not.

What is an budget in-kind policy?

The budget in-kind policy works the same as an in-kind policy, but has fewer contracted care providers. In addition, budget policies are often entirely online or you can only go to an internet pharmacy for repeat prescriptions. Therefore, the policy is a lot cheaper.