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Voorwaarden basisverzekering en aanvullende verzekeringen 2026 PDF Free Download

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Voorwaarden basisverzekering en aanvullende verzekeringen 2026 PDF Free Download

Voorwaarden basisverzekering en aanvullende verzekeringen 2026 PDF free Download. Think more deeply and widely.

Voorwaarden basisverzekering en
aanvullende verzekeringen 2026
Ingangsdatum 1 januari 2026
Optimaal
Basis Zeker
en aanvullende verzekeringen Optimaal
ξ˜–06456:97490@0<=40
Voorwaarden van de basisverzekering en aanvullende verzekeringen
van Zilveren Kruis
De overheid bepaalt de inhoud van de basisverzekering.
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Lagere vergoeding bij niet-gecontracteerde zorgverleners.
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ODG<>CHI:AA>C<D;A:K:G6C8>:G@JCIJ<66C
Voordelen van gecontracteerde zorg.
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Hoe zit het met gecontracteerde zorg en niet-gecontracteerde zorg in de aanvullende verzekeringen?
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Hoe vindt u een gecontracteerde zorgverlener?
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Welke informatie vindt u in deze voorwaarden?
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Hoe vindt u de zorg die u zoekt?
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Toestemming nodig?
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Verplicht eigen risico
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ξ˜ξ˜ξ˜ξ˜•ξ˜*>:I66CHEG6@:A>?@KDDGH8=69:9DDGODG<K:GA:C:GD;ODG<>CHI:AA>C< 5555555555555555555555555555555555555555555555555555555555555555555555555555555555 ξ˜ξ˜—ξ˜
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1:GKD:G 5555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555 ξ˜“ξ˜‘ξ˜
1D:I:C 55555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555 ξ˜“ξ˜’ξ˜
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1D:I:C 55555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555555 ξ˜–ξ˜—ξ˜
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A. Algemene voorwaarden basisverzekering
A.1 Waarop zijn de basisverzekeringen gebaseerd?
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L:Iξ˜‹ξ˜ID:A>8=I>C<:C>CI:GEG:I6I>:KDDG
+CK:GO:@:G9:ODG<@DBICDD>IKDDGK:G<D:9>C<>C66CB:G@>C<
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:>C=DJ9K6C9:76H>HK:GO:@:G>C<LDG9I7:E66A99DDG9:DK:G=:>9:C>HK6HI<:A:<9>C9:L:I:CG:<:A<:K>C<<:CD:B9>C6GI>@:A%C9:O:L:I:C
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=::;IJDE9:O:ODG<I>?9:A>?@6AL:AG:8=I :)>C>HI:GK6C1DA@H<:ODC9=:>9ξ˜‹ξ˜2:AO>?C:C.EDGIL6HIDI?6CJ6G>ξ˜ξ˜‘ξ˜ξ˜ξ˜˜ξ˜7:KD:<9DBODG<DE76H>HK6C
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E6G6<G66;ξ˜›ξ˜ξ˜ξ˜ξ˜…6GI>@:Aξ˜›ξ˜‘ξ˜ξ˜‘ξ˜…Oξ˜›ξ˜‘ξ˜ξ˜‘ξ˜ξ˜Œξ˜ξ˜”ξ˜Œξ˜ξ˜˜ξ˜…<ξ˜›ξ˜‘ξ˜ξ˜‘ξ˜ξ˜Œξ˜ξ˜”ξ˜Œξ˜ξ˜˜ξ˜ξ˜
ξ˜Šξ˜‡ξ˜Œξ˜&,809A0<649280>208009>09
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LDG9:C9DDGDCHK:G<D:9ξ˜ξ˜‡OD6AH7>?KDDG7::A99:K:GEA:<>C<:CK:GODG<>C<>CJL:><:CDB<:K>C<C9:G:ODG<DC9:G9:A:Cξ˜‹ξ˜7>?KDDG7::A97:<:A:>9>C<ξ˜‹ξ˜
LDG9:C9DDG9:<:B::CI:K:G<D:9DE76H>HK6C9:2:I)66IH8=6EE:A>?@:+C9:GHI:JC>C<ξ˜ξ˜‡2BD2>?O>?CDE76H>HK6C6GI>@:Aξ˜ξ˜ξ˜“6K6C9:
4DG<K:GO:@:G>C<HL:IK:GEA>8=I=>:GDK:G6;HEG6@:CI:B6@:CB:I9:<:B::CI:1DDGODK:G9>IK6C7:A6C<>Hξ˜‹ξ˜=:77:CL:9>I>C9:EDA>HKDDGL66G9:CK:GL:G@I
AHJξ˜‹ξ˜ODL:AODG<K>69:<:B::CI:ξ˜‹ξ˜6AHK>6DCHDCIK6C<Iξ˜‹ξ˜96C@JCIJ=>:GDK:G8DCI68IB:IDCHDEC:B:C
A.2 Wat verzekert de basisverzekering en voor wie is deze bedoeld?
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6 K:GO:@:G>C<HEA>8=I><:C9>:>C*:9:GA6C9LDDC68=I><O>?C
7 K:GO:@:G>C<HEA>8=I><:C9>:>C=:I7J>I:CA6C9LDC:C
%C=:I=DD;9HIJ@Z1:GO:@:G9:ODG<76H>HK:GO:@:G>C<[K>C9IJ9:KDGB:CK6CODG<9>:K6AA:CDC9:GJL76H>HK:GO:@:G>C<
ξ˜‹ξ˜‡ξ˜‹ξ˜$<:.0/?<0@0<D060<492,1=7?4>09
0ξ˜ξ˜‡K:GO:@:G>C<C:B:GB:A9IO>8=7>?DCHKDDG9:76H>HK:GO:@:G>C<66Cξ˜‹ξ˜9DDGDEDCO:L:7H>I:=:IDCA>C:66CKG66<;DGBJA>:GKDAA:9><>CI:KJAA:C+;9DDG=:I
66CKG66<;DGBJA>:Gξ˜ξ˜‡E9;J>II:EG>CI:C:CKDAA:9><>CI:KJAA:Cξ˜‹ξ˜I:DC9:GI:@:C:C:C>CI:HIJG:C
ξ˜‹ξ˜‡ξ˜Œξ˜ξ˜•,9807/4920949=.3<45@492
AHJO>8=66CB:A9Iξ˜‹ξ˜<66CL>?C6D;JKDA9D:I66C9:KDDGL66G9:CKDDG>CH8=G>?K>C<KDA<:CH9:4DG<K:GO:@:G>C<HL:I1DA9D:IJ=>:G66C 6C<:K:CL>?::C
EDA>H7A696; :K:GO:@:G>C<HDK:G::C@DBHI>HK6HI<:A:<9DE=:IEDA>H7A69&66GA>?@HLDG9IJξ˜ξ˜‡K:GO:@:G>C<C:B:G9DDGDCH<:UC;DGB::G9DK:G9:L>?O><>C<:C
>C9:K:GO:@:G>C<:C9:C>:JL:EG:B>:ξ˜ξ˜‡KDDGJ:CJLB:9:K:GO:@:G9:C0DCIK6C<I=>:GKDDG::Cξ˜ξ˜‡<:O>CHEDA>H7A69 66GC66HIHI:AA:CL>??66GA>?@H9:
EDA>H7A69:C7:H8=>@766GK>6)>?C4>AK:G:C'GJ>H'A6CI:CB:IKDDG@:JGKDDGEDHI6A:8DBBJC>86I>:DCIK6C<:C::CC>:JLEDA>H7A69L6CC::G:GL>?O><>C<:C
>C9:EDA>HLDG9:C9DDG<:<:K:C0DCIK6C<IDD@::CODG<E6HK6CDCH0DCIK6C<I9:O:9><>I66Aξ˜‹ξ˜I:CO>?JDB::C;NH>:@:ODG<E6HKG66<I$:IEDA>H7A69D;9:
ODG<E6HBD:IJ66C9:ODG<K:GA:C:GIDC:C7>?=:I>CGD:E:CK6CODG< 66GC67:HI66IG:8=IDEODG<KDA<:CH9:4DG<K:GO:@:G>C<HL:I
ξ˜‹ξ˜‡ξ˜ξ˜ξ˜˜0+:<2@0<D060<492=A0>-0;,,7>:;A0760D:<2?<0.3>3001>093:0@007
+EL:A@:ODG<JG:8=I=::;Iξ˜‹ξ˜>HK6HI<:A:<9>C9:4DG<K:GO:@:G>C<HL:Iξ˜‹ξ˜=:I:HAJ>IODG<K:GO:@:G>C<:C9:-:<:A>C<ODG<K:GO:@:G>C<$>:G>CHI66IDBL:A@:
ODG<=:I<66Iξ˜ξ˜‡9:>C=DJ9:CDB=D:K::AODG<=:I<66Iξ˜ξ˜‡9:DBK6C<0=::;IHA:8=IHG:8=IDEODG<ξ˜‹ξ˜6AHJG:9:A>?@:GL>?HDE9:>C=DJ9:CDBK6C<966GK6C
66C<:L:O:C7:CI2>?@JCC:C<:8DCIG68I::G9::CC>:I<:8DCIG68I::G9:ODG<8DCIGDA:G:CDEG:8=IB6I><=:>9:C9D:AB6I><=:>9
A.3 Wat is niet verzekerd (uitsluitingen)?
ξ˜Œξ˜‡ξ˜Šξ˜ξ˜›009<0.3>:;D:<2,7=20@:72@,9-45D:9/0<0=4>?,>40=49"0/0<7,9/
0=::;I<::CG:8=IDEODG<ξ˜‹ξ˜6AHJ9>:ODG<CD9><=::;I6AH<:KDA<K6CSSCK6C9:KDA<:C9:H>IJ6I>:H>C*:9:GA6C9ξ˜™ξ˜
6 ::C<:L6E:C98DCa>8I
7 ::C7JG<:GDDGAD<
8 ::CDEHI6C9
9 7>CC:CA6C9H:DCAJHI:C
ξ˜•
: DEGD:G:CBJ>I:G>?
>I>H7:E66A9>C6GI>@:Aξ˜ξ˜’ξ˜ξ˜’ξ˜—ξ˜K6C9:2:IDE=:I`C6C8>::AID:O>8=Iξ˜ξ˜‡2;I
ξ˜Œξ˜‡ξ˜‹ξ˜ξ˜Ÿ0?<492ξ˜…ξ˜2<40;;<46ξ˜…ξ˜/:6>0<=@0<67,<49209-0;,,7/0-03,9/0749209
0=::;I<::CG:8=IDEξ˜™ξ˜
6 @:JG>C<:C
7 <G>:EEG>@@:C
8 7:=6C9:A>C<:CI:<:CHCJG@:Cξ˜ξ˜‡JKJADEA6HI>:@
9 7:=6C9:A>C<B:I::CG:9G:HH>:=:AB7>?EA6<>D8:;6A>::C7G68=N8:;6A>:ODC9:G8G6C>DHI:CDH:
: 7:=6C9:A>C<:CB:IHI:G>A>H6I>:6AH9D:A
; 7:=6C9:A>C<:C9>:6AH9D:A=:77:CHI:G>A>H6I>:DC<:966CI:B6@:C
< 7:=6C9:A>C<:C<:G>8=IDE7:HC>?9:C>Hξ˜ξ˜‡8>G8JB8>H>:ODC9:GB:9>H8=:CDD9O66@
= =:I6;<:K:CK6C9D@I:GHK:G@A6G>C<:C
0>:;ξ˜‚ξ˜
%CHDBB><:<:K6AA:C=::;IJL:AG:8=IDE9:O:ODG<%C9:EDA>HKDDGL66G9:CBD:I96CHI66C96IL>?9:O:ODG<L:AK:G<D:9:C
ξ˜Œξ˜‡ξ˜Œξ˜ξ˜•7=??A,1=;<,609940>9,6:8>:1@::<20=.3<0@0984//0709940>,13,,7>
0=::;I<::CG:8=IDEODG<ξ˜‹ξ˜6AHJξ˜™ξ˜
- ODG<6;HEG6@:CC>:IC6@DBI
- =JAEB>99:A:Cξ˜‹ξ˜<:C::HB>99:A:C:C9>::IEG:E6G6I:CC>:I6;=66AI
$>:G7>?B66@I=:IC>:IJ>IL>:=:IA:K:G>C<HK:GOD:@7>?9:ODG<K:GA:C:GD;ODG<>CHI:AA>C<=::;I>C<:9>:C9ξ˜™ξ˜JD;9:KDDGH8=G>?K:G
ξ˜Œξ˜‡ξ˜ξ˜ξ˜›009<0.3>:;7,-:<,>:<4?8:9/0<D:06,,920@<,,2//::<,7>0<9,>401,<>=
0=::;IG:8=IDEA67DG6IDG>JB:CD;GWCI<:CDC9:GOD:@ξ˜‹ξ˜6AH9>IDC9:GOD:@>H66C<:KG66<99DDG::C=J>H6GIHξ˜‹ξ˜HE:8>6A>HIDJ9:G:C<:C::H@JC9:ξ˜‹ξ˜6GIH
K:GHI6C9:A>?@<:=6C9>86EI:Cξ˜‹ξ˜?:J<96GIHξ˜‹ξ˜K:GADH@JC9><:ξ˜‹ξ˜DEIDB:IG>HIξ˜‹ξ˜## 6GIHξ˜ξ˜‡7>?/D;.+D;B:9>H8=HE:8>6A>HI
0=::;I<::CG:8=IDEA67DG6IDG>JB:CD;GWCI<:CDC9:GOD:@ξ˜‹ξ˜6AH9>IDC9:GOD:@>H66C<:KG66<99DDG::CODG<K:GA:C:G9>:DE96IBDB:CI>C9:GDAK6C
6AI:GC6I>:;D;8DBEA:B:CI6>G6GIHL:G@I
ξ˜Œξ˜‡ξ˜Žξ˜ξ˜Ÿ:=>09@,9D:<2/40?D071:10091,8474074/?4>@:0<>
0B6<C>:IJO:A;ODG<D;::C9>:CHIK:GA:C:CD;9DDGK:GL>?O:C:C9:@DHI:C966GK6C9:8A6G:G:CDEJL:><:CK:GO:@:G>C<0=::;I<::CG:8=IDE9:O:ODG<D;
9>:CHI2>AIJ96IJLE6GIC:Gξ˜‹ξ˜::C<:O>CHA>9:CD;::C;6B>A>:A>9>C9:::GHI:D;IL::9:<G669JODG<D;::C9>:CHIK:GA::CI!CL>AIJ9>I9:8A6G:G:C 6C
BD:I:CL>?JKDDG6;ID:HI:BB>C<=:77:C<:<:K:C2>?9D:C9>I6AA::C>CJ>IODC9:GA>?@:<:K6AA:C!G>HHEG6@:K6C::CJ>IODC9:GA>?@<:K6A6AHJ@JCI
66CIDC:C96I=:ICDD9O6@:A>?@>H96I9:ODG<D;9>:CHIJ>I<:KD:G9BD:ILDG9:C9DDG::C;6B>A>:A>9:CC>:I9DDG::C6C9:G:ODG<K:GA:C:G@6CLDG9:C
J>I<:KD:G9
0>:;ξ˜‚ξ˜
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ξ˜Œξ˜‡ξ˜ξ˜+:<2/40@::<>@7:04>?4>>0<<:<4=80
ξ˜Œξ˜‡ξ˜ξ˜‡ξ˜Šξ˜%0.3>:;009/007@,9/0D:<2
%H9:7:=D:;I:66CODG<=:I<:KDA<K6CSSCD;B::GI:GGDG>HI>H8=:=6C9:A>C<:C 6C@6C=:IO>?C96IJG:8=I=::;IDE::C9::AK6C9:O:ODG< >I<:7:JGI
6AH=::AK::AK:GO:@:G9:C::C7:GD:E9D:CDE=JCODG<K:GO:@:G>C<6AH<:KDA<K6CSSCD;B::GI:GGDG>HI>H8=:=6C9:A>C<:C!A@:K:GO:@:G9:@G>?<I96CHA:8=IH
::CE:G8:CI6<:K:G<D:9 JHξ˜™ξ˜>H9:IDI6A:H8=69:ξ˜ξ˜‡DCIHI66C9DDGI:GGDG>HI>H8=:=6C9:A>C<:C9>:>C::C@6A:C9:G?66GLDG9I<:9:8A6G::G97>?H8=69:ξ˜Œξ˜‹ξ˜A:K:CH
D;C6IJG6J>IK66GIK:GO:@:G66GHL66GKDDG9:2:IDE=:I`C6C8>::AID:O>8=Iξ˜ξ˜‡2;I<:A9Iξ˜‹ξ˜C66GK:GL68=I>C<=D<:G96C=:I9DDG9>:B66IH8=6EE>?=:GK:GO:@:G9:
B6M>BJB7:9G6<E:G@6A:C9:G?66G 6C=::;IJ6AA::CG:8=IDEODG<IDI::CE:G8:CI6<:K6C9:@DHI:CD;L66G9:K6C9:ODG<D;DK:G><:9>:CHI:C >I
E:G8:CI6<:>HKDDG6AA:K:GO:@:G>C<:C<:A>?@:CLDG9I7:E66A99DDG9:*:9:GA6C9H:$:GK:GO:@:G>C<HB66IH8=6EE>?KDDG/:GGDG>HB:H8=69:C*1ξ˜ξ˜ξ˜‡*$/
ξ˜Œξ˜‡ξ˜ξ˜‡ξ˜‹ξ˜ξ˜˜0N94>40=09-0;,749209
::M68I:9:`C>I>:H:C7:E6A>C<:C7>?9:=>:GKDDG<:CD:B9:66CHEG66@HI66C>C=:I8A6JHJA:7A69I:GGDG>HB:9:@@>C<K6C9:*$/ :O:8A6JHJA::C=:I
7>?7:=DG:C9:,GDID8DA6;L>@@:A>C<8A6>BHB6@:C9::AJ>IK6C9:O:EDA>H0@JCI=:IEGDID8DAK>C9:CDEC=IK:G::C9:CA$:I8A6JHJA:7A69@JCIJK>C9:CDE
DCO:L:7H>I:D;@JCIJ7>?DCHDEKG6<:C
ξ˜Œξ˜‡ξ˜ξ˜‡ξ˜Œξ˜ξ˜•,9@?7709/0-0>,7492
$:I>HBD<:A>?@96IL>?C6::CI:GGDG>HI>H8=:=6C9:A>C<::C66CKJAA:C9:7:I6A>C<DCIK6C<:C :O:BD<:A>?@=:>97:HI66IDE<GDC9K6C6GI>@:Aξ˜ξ˜’ξ˜’ξ˜K6C9:
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1:G6C9:GI:G>:IH>CJLE:GHDDCA>?@:H>IJ6I>:+;>C9>:K6C::CK6C9:6C9:G:K:GO:@:G9:C 6CBD:IJξ˜ξ˜‡K:GO:@:G>C<C:B:G96I7>CC:CB66C966CDCH
9DDG<:K:C$:I<66I=>:G7>?DB6AA:<:7:JGI:C>HH:C9>:K6C7:I:@:C>H@JCC:CO>?CKDDG::C?J>HI:J>IKD:G>C<K6C9:76H>HK:GO:@:G>C< :C@66C:>C9><:C9:
K:GO:@:G>C<HEA>8=Iξ˜‹ξ˜K:G=J>O>C<C66G=:I7J>I:CA6C9ξ˜‹ξ˜L>?O><>C<K6CJLG:@:C>C<CJBB:Gξ˜ξ˜‡%*ξ˜ˆξ˜‹ξ˜:8=IH8=:>9>C<ξ˜‹ξ˜DK:GA>?9:CD;A6C<9JG><K:G7A>?;>C=:I
7J>I:CA6C9AHL>?66CJξ˜ξ˜‡K:GO:@:G>C<C:B:G::C7:G>8=IHIJG:C66CJLA66IHI7:@:C9:ξ˜ξ˜‡:B6>A69G:Hξ˜‹ξ˜96CBD<:CL>?:GK6CJ>I<66C96I9>I7:G>8=IJ
ξ˜‡K:GO:@:G>C<C:B:G=::;I7:G:>@I
0>:;ξ˜‚ξ˜
1:G=J>HIJ7>CC:C*:9:GA6C9 6CBD:IJ9>II>?9><9DDG<:K:C66CJL<:B::CI:1DDGDCO:69B>C>HIG6I>:>H9:6H>HG:<>HIG6I>:,:GHDC:Cξ˜ξ˜‡ξ˜ž-,A:>9:C9
A.6 Wat is uw verplicht eigen risico?
ξ˜ξ˜‡ξ˜Šξ˜ξ˜•7=?ξ˜ξ˜Šξ˜‘ξ˜5,,<:1:?/0<-09>-0>,,7>?/000<=>0Mξ˜ξ˜Œξ˜‘ξ˜Žξ˜…ξ˜†ξ˜@,9?AD:<26:=>09D071
AHJξ˜ξ˜ξ˜—ξ˜?66GD;DJ9:G7:CI:CEG:B>:K:GH8=JA9><97:CIξ˜‹ξ˜=::;IJ::CK:GEA>8=I:><:CG>H>8DKDDG9:76H>HK:GO:@:G>C< :DK:G=:>97:E66AI=D:=DD<9>I
7:9G6<>H%Cξ˜ξ˜‘ξ˜ξ˜‘ξ˜•ξ˜>H=:IK:GEA>8=I:><:CG>H>8D_ξ˜ξ˜’ξ˜—ξ˜”ξ˜‹ξ˜Œξ˜E:GK:GO:@:G9:E:G@6A:C9:G?66G
2>?7G:C<:C=:IK:GEA>8=I:><:CG>H>8D>CB>C9:G>C<DEJLG:8=IDEODG<$:I<66I=>:G7>?DB9:@DHI:C9>:J>C9:ADDEK6C=:I@6A:C9:G?66GK6CJ>I9:
76H>HK:GO:@:G>C<B66@I1DDG7::A9ξ˜™ξ˜JLDG9I7:=6C9:A9>C::CO>:@:C=J>Hξ˜‹ξ˜B66GDCIK6C<I<::CCDI6 6CK:G<D:9:CL>?9:O:@DHI:CG:8=IHIG::@H66C=:I
O>:@:C=J>H0ξ˜ξ˜‡K:GO:@:G>C<C:B:GDCIK6C<IK:GKDA<:CH::CCDI6K6CDCHK6C_ξ˜ξ˜’ξ˜—ξ˜”ξ˜‹ξ˜Œξ˜ξ˜
0>:;ξ˜‚ξ˜
"NH>DI=:G6E:JI>H8=:7:=6C9:A>C<:CKDDG::C66C9D:C>C<9>:HI66IDE::C9DDG9:B>C>HI:GK6C12.K6HI<:HI:A9:A>?HI\>?A6<:7>?6GI>@:Aξ˜ξ˜‘ξ˜ξ˜•ξ˜K6C=:I
:HAJ>IODG<K:GO:@:G>C<]ξ˜ξ˜‡ξ˜žξ˜ξ˜ξ˜"NH>DI=:G6E>::CD:;:CI=:G6E>::H6G):CH:C9>:8@LDG9:C6AI>?9K:GG:@:C9B:I=:I:><:CG>H>8DAH9:7:=6C9:A>C<
9DDGADDEI>C=:IKDA<:C9:?66Gξ˜‹ξ˜96C7:<>CI=:I:><:CG>H>8DL::GDEC>:JLI:I:AA:C
ξ˜ξ˜‡ξ˜‹ξ˜)::<=:88420D:<26:=>09207/>2009@0<;74.3>04209<4=4.:
2>?=DJ9:C<::CK:GEA>8=I:><:CG>H>8D>CDEξ˜™ξ˜
6 9:@DHI:CK6CODG<D;DK:G><:9>:CHI:C9>:>Cξ˜ξ˜‘ξ˜ξ˜‘ξ˜•ξ˜O>?C<:B66@Iξ˜‹ξ˜B66GL66GK6CL>?9:CDI6[HE6HC6ξ˜ξ˜’ξ˜ξ˜9:8:B7:Gξ˜ξ˜‘ξ˜ξ˜‘ξ˜–ξ˜DCIK6C<:Cξ˜‹ξ˜I:CO>?=:I66CJI:
L>?I:C>H96I9:G:@:C>C<C>:IKDDG9>:96<>H>C<:9>:C9
7 9:@DHI:CK6CODG<9>:=J>H6GIH:CEA:<:CI:7>:9:C :KDA<:C9:ODG<KDGBI=>:GDE::CJ>IODC9:G>C<ξ˜™ξ˜
 9:@DHI:CK6CODG<9>:H6B:C=6C<IB:I9:ODG<9>:=J>H6GIH:CEA:<:CI:7>:9:Cξ˜‹ξ˜6AH9>IDC9:GOD:@:G<:CH6C9:GHLDG9IK:GG>8=I:C6E6GI>C
G:@:C>C<LDG9I<:7G68=I :E:GHDDCD;>CHI:AA>C<9>:96IDC9:GOD:@9D:Iξ˜‹ξ˜BD:I<:G:8=I><9O>?C=>:GKDDG=:II6G>:;I:G:@:C:C96I9:
*:9:GA6C9H:4DG<6JIDG>I:>I=::;IK6HI<:HI:A9
 ODG<OD6AH=J>H6GIH:CEA:<:CI:7>:9:CB66G9>:DE<GDC9K6C6GI>@:Aξ˜ξ˜žξ˜ξ˜“ξ˜‘ξ˜#:C::H@JC9><:ODG<KDDGHE:8>`:@:E6I>TCI:C<GD:E:Cξ˜ξ˜‡#4.,LDG9I
K:GA::C99DDG::CHE:8>6A>HIDJ9:G:C<:C::H@JC9:D;::C6GIHK:GHI6C9:A>?@<:=6C9>86EI:C
8 9:9>G:8I:@DHI:CKDDGK:GADH@JC9><:ODG<ξ˜‹ξ˜@G66BODG<:C9:*%,/:C>CK6H>:K:9>6<CDHI>:@ξ˜ξ˜‡7>?KKAD@@:CI:HI:CKGJ8=IL6I:GEJC8I>:ξ˜ˆξ˜ξ˜‡ξ˜žξ˜ξ˜’ξ˜“ξ˜,G:C6I6A:
H8G::C>C<9>6<CDHI>:@07:I66AIL:A:><:CG>H>8DKDDG=>:GB::H6B:C=6C<:C9:@DHI:Cξ˜‹ξ˜OD6AH9:@DHI:CK6C<:C::HB>99:A:Cξ˜‹ξ˜A67DG6IDG>JBDC9:GOD:@
ξ˜‡>C6C9:G:<:K6AA:C96C>C=:I@69:GK6C9:*%,/:C>CK6H>:K:9>6<CDHI>:@D;O>:@:CK:GKD:G
9 9:@DHI:CK6C>CH8=G>?K>C<7>?::C=J>H6GIHD;7>?::C>CHI:AA>C<9>:=J>H6GIH:CODG<K:GA::CI+C9:G>CH8=G>?K>C<H@DHI:CK:GHI66CL>?ξ˜™ξ˜
 =:I7:9G6<96I::C=J>H6GIHD;>CHI:AA>C<9>:=J>H6GIH:CODG<K:GA::CIξ˜‹ξ˜G:@:CIDBJ6AHE6I>TCI>CI:H8=G>?K:C >I>HI:C=DD<HI:=:II6G>:;96I6AH
7:H8=>@766G=:>9HI6G>:;>HK6HI<:HI:A9>C9:2:IB6G@IDG9:C>C<<:ODC9=:>9HODG<ξ˜ξ˜‡2B<
ξ˜‘ξ˜ξ˜ K:G<D:9>C<:C9>:H6B:C=6C<:CB:I=D:9:<:C::H@JC9><:ODG<7>?9:=J>H6GIHξ˜‹ξ˜>C9:=J>H6GIH:CEG6@I>?@D;>C9:>CHI:AA>C<LDG9IK:GA::C9+;9>:
H6B:C=6C<:CB:I9:@:CB:G@:CK6C=:IE6I>TCI:C7:HI6C9D;B:I9:AD86I>:K6C9:EG6@I>?@D;>CHI:AA>C< >IKDDGODK:GL>?9:O:K:G<D:9>C<:CO>?C
DK:G::C<:@DB:CB:IJL=J>H6GIHD;>CHI:AA>C<:CKDDGODK:G::C=J>H6GIHD;>CHI:AA>C<9:O:K:G<D:9>C<:C7>?DCH>CG:@:C>C<B6<7G:C<:Cξ˜‹ξ˜6AHJ
O>8=>CH8=G>?;I
: 9:@DHI:CK6CC68DCIGDA:HK6C9:9DCDGC696I9:E:G>D9:K6CODG<66C9>:9DCDG>HK:GHIG:@:C :O:ODG<E:G>D9:>HB6M>B66Aξ˜ξ˜ξ˜’ξ˜L:@:CD;ξ˜‹ξ˜6AH=:IDB
::CA:K:GIG6CHEA6CI6I>:<66Iξ˜‹ξ˜::C=6A;?66G
; 9::K:CIJ:A:ODG<@DHI:CK6C9:9DCDGC69:<:CD:B9:E:G>D9:DC9:G:ξ˜‹ξ˜L6CC::G9:O:@DHI:CK:G76C9=DJ9:CB:I9:DEC6B:KDDG9DC6I>:
< 9:@DHI:CK6C=:IK:GKD:GK6C9:9DCDG6AH9:9DCDG9:O:K:G<D:9@G>?<IK>69::><:C76H>HK:GO:@:G>C<
= 9:@DHI:CK6C@:I:CODG<9>:<:9:8A6G::G9LDG9:CKDA<:CH9:7:A:>9HG:<:A,G:HI6I>:7:@DHI><>C<BJAI>9>H8>EA>C6>G:ODG<K:GA:C>C<8=GDC>H8=:
66C9D:C>C<:C :O:7:A:>9HG:<:A>HK6HI<:HI:A9DE76H>HK6C9:2B<
> 9:@DHI:CK6CK:GEA:<>C<:CK:GODG<>C<OD6AHK:GEA::<@JC9><:C9>:EA:<:CI:7>:9:CKDA<:CH6GI>@:Aξ˜ξ˜žξ˜ξ˜‘ξ˜•ξ˜1:GEA:<>C<:CK:GODG<>C<>C9::><:C
DB<:K>C<ξ˜ξ˜‡:MIG6BJG66A
? 9:@DHI:CK6C<:8DB7>C::G9:A::;HI>?A>CI:GK:CI>:HOD6AHDBH8=G:K:C>C6GI>@:Aξ˜ξ˜žξ˜ξ˜’ξ˜•ξ˜#:8DB7>C::G9:A::;HI>?A>CI:GK:CI>:KDDGK:GO:@:G9:CK6Cξ˜ξ˜ξ˜—ξ˜?66G:C
DJ9:G
@ ODG<@DHI:C9>:DCIHI66C9DDGH6B:CL:G@>C<IJHH:CODG<K:GA:C:GHD;IJHH:CODG<K:GA:C:GH:C9:G9:Cξ˜‹ξ˜KDDGODK:G96IH6B:CL:G@:C9>G:8II:C9>:CHI:
HI66IK6C9:A:K:G>C<K6CODG<D;DK:G><:9>:CHI:CJ>I9:O:76H>HK:GO:@:G>C< :O:@DHI:CO>?CC>:IDEE:GHDDCHC>K:6JI:GJ<I:G:@:C:C$>:GKDDGBD:I
9:7:I66AI>I:Aξ˜ξ˜† DB:>C:CH:8IDGDK:GHI>?<:C9:H6B:CL:G@>C<7>CC:C9:4KLξ˜†ξ˜LDG9:C<:7GJ>@I
A 9:@DHI:CK6C::CB::@>?@8DCHJAIξ˜ξ˜‡L66GDC9:GDD@=:IK:G@:CC:C9<:HEG:@>C9:##4:C=:IB::9:C@69K>:HL6CC::G9>I>H66C<:KG66<99DDGJL
=J>H6GIH
ξ˜ξ˜‡ξ˜Œξ˜)0<;74.3>04209<4=4.:4=@<4520=>07/
16C=:IK:GEA>8=I:><:CG>H>8D=:77:CL>?9:KDA<:C9:@DHI:CKG>?<:HI:A9ξ˜™ξ˜
6 9:9>G:8I:@DHI:CK6C9:B:9>86I>:7:DDG9:A>C<8=GDC>H8=<:7GJ>@K6CG:8:EI<:C::HB>99:A:CJ>I<:KD:G99DDG::C=>:GKDDG9DDGDCH<:8DCIG68I::G9:
6EDI=::@

7 9:@DHI:CK6C=:IHIDEE:CB:IGD@:CEGD<G6BB6:C:K:CIJ:A:;6GB68DI=:G6E:JI>H8=:>CI:GK:CI>:HK6AA:C9DC9:G6GI>@:Aξ˜ξ˜žξ˜ξ˜“ξ˜ξ˜.IDEE:CB:I
GD@:CEGD<G6BB6 >I<:A9I6AA::CL6CC::GJ=:IEGD<G6BB6:C:K:CIJ:A:;6GB68DI=:G6E:JI>H8=:>CI:GK:CI>:H6;C::BI7>?::C<:8DCIG68I::G9:
ODG<K:GA:C:Gξ˜‹ξ˜6C9:GH96C::C=J>H6GIHξ˜‹ξ˜B:9>H8=HE:8>6A>HID;@A>C>H8=EHN8=DADD<
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A.7 Wat is een vrijwillig gekozen eigen risico?
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2>?=:77:C=:IA>:;HI96IJξ˜ξ˜‡K:GO:@:G>C<C:B:G9:KDA<:C9:7:9G6<:CK>67:I66AB6>AD;::C6JIDB6I>H8=:>C86HHD7:I66AIξ˜™ξ˜
6 EG:B>:
7 K:GEA>8=I:CKG>?L>AA><<:@DO:C:><:CG>H>8D
8 L:II:A>?@::><:C7>?9G6<:C
9 :><:C7:I6A>C<:C
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ξ˜‘ξ˜‡ξ˜ξ˜ξ˜•1=.3<45@492/,209@,9>0@:<09,,9206:9/42/
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I:K:GHIJG:Cξ˜ξ˜ξ˜“ξ˜96<:CKDDG96IL>?=:IDE:CHI66C9:7:9G6<>C86HH:G:C >I>HC>:IK6CID:E6HH>C<DE9:7:@:C9B6@>C<K6C9:C>:JL:EG:B>: :
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A.9 Wat gebeurt er als u niet op tijd betaalt?
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9:8A6G6I>:HJ>IJL4KLE<7
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<:HI:A9 6C7:=DJ9:CL>?DCH=:IG:8=IKDDGDBJξ˜ξ˜‡K:GO:@:G>C<C:B:GJLEG:B>:L::GE:GB66C9I:A6I:C7:I6A:C$:I<:KDA<=>:GK6C>H96IJ<::CG:8=I
B::G=::;IDE7:I6A>C<H@DGI>C<
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$:77:CL>?J66C<:B66C9DBSSCD;B::GK:GK6AA:CI:GB>?C:CK6C9:K:GH8=JA9><9:EG:B>:I:7:I6A:C 6C@JCIJξ˜ξ˜‡K:GO:@:G>C<C:B:G9:
76H>HK:GO:@:G>C<C>:IDEO:<<:CIDI96IJ9:K:GH8=JA9><9:EG:B>:ξ˜‹ξ˜G:CI::C>C86HHD@DHI:C=::;I7:I66A9!:CJ>IODC9:G>C<=>:GDE>H6AHL>?9:9:@@>C<K6C
JL76H>HK:GO:@:G>C<H8=DGH:CD;DEH8=DGI:CD;6AHL>?JLDEO:<<>C<7>CC:CIL::L:@:C7:K:HI><:C
ξ˜’ξ˜‡ξ˜Žξ˜(4>D:9/0<492:;,<>4607ξ˜ξ˜•ξ˜‡ξ˜’ξ˜‡ξ˜ξ˜
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A.10 Wat gebeurt er als u een betalingsachterstand heeft?
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7:I6A>C<HG:<:A>C<66C >:7:I6A>C<HG:<:A>C<=DJ9I>Cξ˜™ξ˜
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7 96IJξ˜ξ˜‡K:GO:@:G>C<C:B:GB:IDCH6;HEG6@:CB66@IDBJL7:I6A>C<H68=I:GHI6C9:CH8=JA9:CJ>I9:ODG<K:GO:@:G>C<66CDCH>CI:GB>?C:CI:GJ<I:
7:I6A:C
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ξ˜Šξ˜‰ξ˜‡ξ˜‹ξ˜ξ˜–0>,7492=<0207492,7=?ξ˜ξ˜ƒ@0<D060<4929080<ξ˜„ξ˜009,9/0<@0<D060<>
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7 9:K:GO:@:G9:DCHB68=I><IDB6JIDB6I>H8=C>:JL:B66C9EG:B>:HI:>C86HH:G:Cξ˜‹ξ˜6AH9:O:K:GO:@:G9:7>?DCHK:GO:@:G9LDG9IK>69:76H>HK:GO:@:G>C<
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Jξ˜ξ˜‡K:GO:@:G>C<C:B:G>C6GI>@:AK6C9:O:6A<:B:C:KDDGL66G9:CAHL>?::C7:I6A>C<HG:<:A>C<B:IJξ˜ξ˜‡K:GO:@:G>C<C:B:G66C<66Cξ˜‹ξ˜B:A9:CL>?J
ξ˜‡K:GO:@:G>C<C:B:GC>:I66C7>?=:I'ODA6C<Jξ˜ξ˜‡K:GO:@:G>C<C:B:G9:C>:JL:B66C9EG:B>:HDEI>?97:I66AI
ξ˜Šξ˜‰ξ˜‡ξ˜Žξ˜ξ˜•7=?ξ˜ξ˜ƒ@0<D060<4929080<ξ˜„ξ˜30>940>009=-09>80>/0-0>,7492=,.3>0<=>,9/
:CIJξ˜ξ˜‡K:GO:@:G>C<C:B:G=:IC>:I::CHB:I9:7:I6A>C<H68=I:GHI6C9:CD;9:KDDG<:CDB:C66CB:A9>C<7>?=:I'OD6AH<:CD:B9>C6GI>@:Aξ˜ξ˜ξ˜ξ˜ξ˜“ξ˜œξ˜(66I
9>I96C66CDCHL:I:C9DDGB>99:AK6C::C7:OL66GH8=G>;I2>?B:A9:CJξ˜ξ˜‡K:GO:@:G>C<C:B:G96CCD<C>:I66C7>?=:I'!:GHIDC9:GOD:@:CL>?96CD;L>?
JLH8=JA9<D:97:G:@:C9=:77:C1>C9:CL>?96IL>?JLH8=JA9<D:9=:77:C7:G:@:C9 6CDCIK6C<IJξ˜ξ˜‡K:GO:@:G>C<C:B:G=>:GDK:G::C7:G>8=IAHJ
ξ˜‡K:GO:@:G>C<C:B:G=:IC>:I::CH7:CIB:IDCHDDG9::A@JCIJξ˜ξ˜‡K:GO:@:G>C<C:B:G9>IKDDGA:<<:C66C9:.I>8=I>C<'A68=I:C:C#:H8=>AA:C
4DG<K:GO:@:G>C<:Cξ˜ξ˜‡.'#4D;66C9:7JG<:GA>?@G:8=I:G0ξ˜ξ˜‡K:GO:@:G>C<C:B:GBD:I96I9D:C7>CC:Cξ˜ξ˜“ξ˜L:@:CC696IJξ˜ξ˜‡K:GO:@:G>C<C:B:G=:I7:G>8=IB:IDCH
DDG9::A=::;IDCIK6C<:C2>?B:A9:CJξ˜ξ˜‡K:GO:@:G>C<C:B:GDD@CJCD<C>:I66C7>?=:I'4>:DD@6GI>@:Aξ˜ξ˜ξ˜ξ˜ξ˜—ξ˜K6C9:O:6A<:B:C:KDDGL66G9:CDK:G
@A68=I6;=6C9:A>C<
ξ˜Šξ˜‰ξ˜‡ξ˜ξ˜*,>0<20-0?<>,7=?ξ˜ξ˜ƒ@0<D060<4929080<ξ˜„ξ˜?A8,,9/;<08408,,9/09940>3001>-0>,,7/
.I:AA:CL>?K6HI96IJξ˜ξ˜‡K:GO:@:G>C<C:B:Gξ˜ˆξ˜ξ˜•ξ˜B66C9:C<::CB66C9EG:B>:=::;I7:I66A9 6CB:A9:CL>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G66C7>?=:I'16C6;9>I
BDB:CI7:I66AIJ<::CCDB>C6A:EG:B>:B::G66CDCH$:I'A:<I96C7>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G9:7:HIJJGHG:8=I:A>?@:EG:B>:DE$:I'@G>?<I=>:GKDDG
K6CDCHJLE:GHDDCH<:<:K:CH:C9>:K6C9:E:GHDξ˜‡DCξ˜‡:C9>:Jξ˜ξ˜‡K:GO:@:G>C<C:B:G7>?DCH=::;IK:GO:@:G92>?<:K:C6AA::C9>:E:GHDDCH<:<:K:CH9DDG
66C=:I'9>:=:ICD9><=::;IDB7>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G9:7:HIJJGHG:8=I:A>?@:EG:B>:>CG:@:C>C<I:7G:C<:C0ξ˜ξ˜‡K:GO:@:G>C<C:B:G:C9:
E:GHDξ˜‡DCξ˜‡:C9>:Jξ˜ξ˜‡K:GO:@:G>C<C:B:G=::;IK:GO:@:G9ξ˜‹ξ˜DCIK6C<:C=>:GDK:G::C7:G>8=IK6CDCH
ξ˜Šξ˜‰ξ˜‡ξ˜ξ˜ξ˜=,770;<0840-0>,,7/ξ˜”ξ˜ξ˜˜,9807/09A45?ξ˜ξ˜ƒ@0<D060<4929080<ξ˜„ξ˜,1-4530>ξ˜ξ˜—ξ˜•ξ˜Ÿξ˜
2>?B:A9:CJξ˜ξ˜‡K:GO:@:G>C<C:B:G6;7>?=:I'ξ˜‹ξ˜6AHJξ˜ξ˜‡K:GO:@:G>C<C:B:Gξ˜ˆξ˜‹ξ˜C6IJHH:C@DBHIK6C=:I'ξ˜‹ξ˜9:KDA<:C9:7:9G6<:C=::;I7:I66A9ξ˜™ξ˜
6 9:K:GH8=JA9><9:EG:B>:
7 9:KDG9:G>C<DE<GDC9K6CODG<@DHI:CCDI6[H
8 9:L:II:A>?@:G:CI:
9 :K:CIJ:A:>C86HHD@DHI:C
: :K:CIJ:A:EGD8:H@DHI:C
AHL>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G=:77:C6;<:B:A97>?=:I'ξ˜‹ξ˜LDG9I9:7:HIJJGHG:8=I:A>?@:EG:B>:>CC>C<HIDE<:O:I%CEA66IH966GK6C7:I66AIJ
ξ˜‡K:GO:@:G>C<C:B:G9:CDB>C6A:EG:B>:L::G66CDCH
ξ˜Šξ˜‰ξ˜‡ξ˜‘ξ˜*,>A45,,9?ξ˜ξ˜ƒ@0<D060<4929080<ξ˜„ξ˜0930>ξ˜ξ˜—ξ˜•ξ˜Ÿξ˜807/09
2>?HI:AA:CJξ˜ξ˜‡K:GO:@:G>C<C:B:G:CK:GO:@:G9::C=:I'9>G:8IDE9:=DD<I:K6C9:96IJBL66GDEξ˜™ξ˜
6 9:H8=JA9:C9>:J>I9:76H>HK:GO:@:G>C<KDDGIKAD:>:Cξ˜‹ξ˜ξ˜‡OJAA:CO>?C6;<:ADHID;I:C>:Iξ˜ξ˜‡OJAA:C<66C
7 9:H8=JA9H6C:G>C<HG:<:A>C<C6IJJGA>?@:E:GHDC:Cξ˜‹ξ˜7:9D:A9>C9:"6>AA>HH:B:CIHL:Iξ˜‹ξ˜DEJξ˜ξ˜‡K:GO:@:G>C<C:B:GK6CID:E6HH>C<LDG9I
8 ::CDK:G::C@DBHI>H<:HADI:COD6AH7:9D:A9>C6GI>@:Aξ˜ξ˜ξ˜—8ξ˜‹ξ˜IL::9:A>9ξ˜‹ξ˜DC9:G9::A9K6C9:4DG<K:GO:@:G>C<HL:I :O:DK:G::C@DBHIBD:IO>?C<:HADI:C
9DDGIJHH:C@DBHIK6C::CH8=JA9=JAEK:GA:C:GOD6AH7:9D:A9>C6GI>@:Aξ˜ξ˜“ξ˜—ξ˜K6C9:2:IDE=:I8DCHJB:CI:C@G:9>:I+;L>?HI:AA:CJξ˜ξ˜‡K:GO:@:G>C<C:B:G
:C=:I'DE9:=DD<I:K6C9:96IJBL66GDE::CH8=JA9G:<:A>C<IDIHI6C9>H<:@DB:C6C9:H8=JA9G:<:A>C<BD:Iξ˜‹ξ˜C66HIJξ˜ξ˜‡K:GO:@:G>C<C:B:Gξ˜ˆξ˜‹ξ˜
I:CB>CHI:JLODG<K:GO:@:G66G9::AC:B:C
A.11 Wat als uw premie en/of voorwaarden wijzigen?
ξ˜Šξ˜Šξ˜‡ξ˜Šξ˜ξ˜•,9;,==492;<08402<:9/=7,209@::<A,,</09
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+E76H>HK6C9:C>:JL:EG:B>:<GDC9HA6<:C9:K:G6C9:G9:KDDGL66G9:C9D:CL>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G::CC>:JL66C7D9
ξ˜Šξ˜Šξ˜‡ξ˜‹ξ˜ξ˜•7=?A;<08402<:9/=7,2A45D42>
!:CK:G6C9:G>C<>C9:EG:B>:<GDC9HA6<<66IC>:I::G9:G>C96Cξ˜ξ˜–ξ˜L:@:CC69:96<L66GDEL>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:G=>:GDK:G=:77:C<:UC;DGB::G90
ξ˜‡K:GO:@:G>C<C:B:G@JCI9:76H>HK:GO:@:G>C<DEO:<<:CB:I>C<6C<K6C9:96<L66GDE9:K:G6C9:G>C<>C<66Iξ˜ξ˜‡B::HI6AE:G?6CJ6G>0ξ˜ξ˜‡K:GO:@:G>C<C:B:G
=::;I=>:GKDDG>C>:9:G<:K6AB66C99:I>?9C696IL>?J=:77:C<:UC;DGB::G9DK:G9:K:G6C9:G>C<
ξ˜Šξ˜Šξ˜‡ξ˜Œξ˜ξ˜•7=/0@::<A,,</09A45D420909:1?A<0.3>:;D:<2A45D42>
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B:I>C<6C<K6C9:96<L66GDE9:K:G6C9:G>C<>C<66I0ξ˜ξ˜‡K:GO:@:G>C<C:B:G=::;I=>:GKDDGB66C99:I>?9C696IL>?Jξ˜ξ˜‡K:GO:@:G>C<C:B:GDK:G9:
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ξ˜ξ˜”
A.12 Wanneer gaat uw basisverzekering in?
ξ˜Šξ˜‹ξ˜‡ξ˜Šξ˜ξ˜˜0492,92=/,>?8=>,,>:;30>;:74=-7,/
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DB9:76H>HK:GO:@:G>C<6;I:HAJ>I:Cξ˜‹ξ˜=:77:CDCIK6C<:C16C6;?6CJ6G>966GDEKDA<:C9K:GA:C<:CL>?9:76H>HK:GO:@:G>C<>:9:G?66GHI>AOL>?<:C9 6I9D:C
L>?HI::9HKDDG9:9JJGK6C@6A:C9:G?66G
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<::;IJξ˜ξ˜‡K:GO:@:G>C<C:B:G66C96IJ9:76H>HK:GO:@:G>C<A6I:G>CL>AIA6I:C<66C96C9:96<9>:>H<:CD:B9>C6GI>@:Aξ˜ξ˜ξ˜‘ξ˜ξ˜ξ˜K6C9:O:6A<:B:C:
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ξ˜Šξ˜‹ξ˜‡ξ˜Œξ˜ξ˜•1=7?4>09-499098,,9/099,/,>/0@0<D060<492=;74.3>:9>=>,,>
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A.13 Wanneer mag u uw basisverzekering beΓ«indigen?
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A.14 Wanneer beΓ«indigen wij uw basisverzekering?
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A.15 Wanneer heeft u recht op de vergoeding van zorg in het buitenland?
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L:I:CH8=6E:CEG6@I>?@ξ˜‹ξ˜OD6AH9:O:>C*:9:GA6C9<:A9I4>:DD@9:6GI>@:A:Cξ˜ξ˜ξ˜ξ˜‘ξ˜‹ξ˜ξ˜‘ξ˜ξ˜ξ˜:Cξ˜ξ˜‘ξ˜ξ˜“ξ˜ξ˜
/D:HI:BB>C<@JCIJDCA>C:66CKG6<:CK>6O@CA8=:8@B68=I><>C<7J>I:CA6C9D;K>6=:I66CKG66<;DGBJA>:G96IJ7>?DCH@JCIDEKG6<:C
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66CKG66<I:A6I:C7:DDG9:A:C 6CL::IJL66GJ66CID:7:CIξ˜‚ξ˜
ξ˜Šξ˜Žξ˜‡ξ˜ξ˜#8<06096:0<=-?4>097,9/=0@,7?>,
2>?K:G<D:9:C9:@DHI:CK6CODG<K6C::CC>:I<:8DCIG68I::G9:ODG<K:GA:C:G66CJξ˜ξ˜‡K:GO:@:G>C<C:B:G>C:JGD[H >I9D:CL>?KDA<:CH9:96<:A>?@H:
DBG:@:C@D:GHOD6AH9:!JGDE:H::CIG6A:6C@9:O:EJ7A>8::GI2>?=6CI:G:C9:@D:GH9>:<DA9DE9:;68IJJG96IJB :K:G<D:9>C<L66GJG:8=IDE=::;Iξ˜‹ξ˜
7:I6A:CL>?6AI>?966CJξ˜ξ˜‡K:GO:@:G>C<C:B:GJ>IDE=:IG:@:C>C<CJBB:Gξ˜ξ˜‡%*96I7>?DCH7:@:C9>H >IBD:I::CG:@:C>C<CJBB:Gξ˜ξ˜‡%*O>?CK6C::C76C@
9>:>C*:9:GA6C9<:K:HI><9>H
ξ˜Šξ˜Žξ˜‡ξ˜Žξ˜":>,J=?4>30>-?4>097,9/
AH9:ODG<CDI6[H:C7>?7:=DG:C9:9D8JB:CI:Cξ˜ξ˜‡7>?KDDG7::A97:=6C9:AK:GHA6<:CC>:IO>?CDE<:HI:A9>C=:I*:9:GA6C9Hξ˜‹ξ˜"G6CHξ˜‹ξ˜ J>IHξ˜‹ξ˜!C<:AHD;.E66CHξ˜‹ξ˜
@JCC:CL>?JKG6<:CDB9:CDI6:CD;7>?7:=DG:C9:9D8JB:CI:CI:A6I:CK:GI6A:C9DDG::C7:T9><9K:GI6A:G :K:GI66A@DHI:CK:G<D:9:CL>?C>:I
A.16 Niet aansprakelijk voor schade door zorgverlener of zorginstelling
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A.17 Wat moet u doen als derden aansprakelijk zijn?
ξ˜Šξ˜ξ˜‡ξ˜Šξ˜ (8:0>:9=4974.3>49209@0<=><06609
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CD9><O>?CDB9:@DHI:CI:K:G=6A:CDE9:K:GDDGO6@:G$:IK:G=66AHG:8=I>H<:76H::G9DEL:II:A>?@:G:<:A>C<:C >I<:A9IC>:IKDDG66CHEG6@:A>?@=:>99>:
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ξ˜Šξ˜ξ˜‡ξ˜‹ξ˜ (3001>009807/492=;74.3>
2DG9IJO>:@ξ˜‹ξ˜@G>?<IJ::CDC<:AJ@D;ADDEIJDE::C6C9:G:B6C>:GA:IH:ADE!C>H966G7>?::C9:G9:7:IGD@@:Cξ˜‹ξ˜OD6AH7:9D:A9>C6GI>@:Aξ˜ξ˜ξ˜–ξ˜ξ˜ξ˜K6C9:O:
6A<:B:C:KDDGL66G9:C 6CBD:IJ9>IODHED:9><BD<:A>?@ξ˜ξ˜‡A6I:CB:A9:C7>?DCH+D@BD:IJ66C<>;I:ξ˜ξ˜‡A6I:C9D:C7>?9:EDA>I>:
ξ˜Šξ˜ξ˜‡ξ˜Œξ˜ +:9/0<>:0=>0884922009<0207492><0110980>/0</09
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ξ˜ξ˜—
A.18 Heeft u een klacht?
ξ˜Šξ˜‘ξ˜‡ξ˜Šξ˜(6?9>?A67,.3>@::<702209,,9/0,1/07492ξ˜ξ˜—09><,707,.3>09.:H</49,>40
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DCO:6;9:A>C<:CIG6A:'A68=I:C8DWG9>C6I>: >IBD:IJ9D:C7>CC:Cξ˜ξ˜•ξ˜B66C9:CC696IL>?9:7:HA>HH>C<66CJ=:77:CB::<:9::A9D;9:9>:CHI66CJ
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7:I6A:C
ξ˜Šξ˜‘ξ˜‡ξ˜‹ξ˜*,>/:09A4580>?A67,.3>ξ˜”ξ˜
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7>CC:Cξ˜ξ˜”ξ˜L:G@96<:C::C>C=DJ9:A>?@:G:68I>:AH:GB::GI>?9CD9><>HDBJL@A68=II:7:=6C9:A:Cξ˜‹ξ˜96CDCIK6C<IJ=>:GDK:GK6CDCH::C7:G>8=I
ξ˜Šξ˜‘ξ˜‡ξ˜Œξ˜"40>009=80>:9D0<0,.>40ξ˜”ξ˜ξ˜œ0<-0::</074928:207456
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=:G7:DDG9:A>C<HK:GOD:@7>?9:6;9:A>C<'A6CIH><C66AB6C6<:B:CI>C9>:C:CE:G7G>:;ξ˜‹ξ˜I:A:;DC>H8=D;K>6DCO:L:7H>I:0DCIK6C<I=>:GK6C::C7:K:HI><>C<
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ξ˜Šξ˜‘ξ˜‡ξ˜Žξ˜ξ˜–03,9/07492/::<-?<20<7456<0.3>0<
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ξ˜Šξ˜‘ξ˜‡ξ˜ξ˜ξ˜Ÿ7,.3>09:@0<1:<8?740<09
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ξ˜Šξ˜‘ξ˜‡ξ˜ξ˜"0/0<7,9/=<0.3>4=@,9>:0;,==492
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!00<491:<8,>40ξ˜”ξ˜
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A.19 Hoe gaan wij om met uw persoonsgegevens?
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4>AK:G:C'GJ>H>HDC9:G9::AK6C9:8=B:6#GD:E8=B:61ξ˜ξ˜‹ξ˜ξ˜8=B:64DG<K:GO:@:G>C<:C*1:C4>AK:G:C'GJ>H4DG<K:GO:@:G>C<:C*1O>?C
K:G6CILDDG9:A>?@KDDG9:K:GL:G@>C<K6CJL<:<:K:CHAHJ::CK:GO:@:G>C<D;`C6C8>TA:9>:CHI66CKG66<Iξ˜‹ξ˜KG6<:CL>?JDBE:GHDDCH<:<:K:CH :O:
<:7GJ>@:CL>?7>CC:C9:IDI8=B:617:=DG:C9:7:9G>?K:CDC9:G6C9:G:ξ˜™ξ˜
6 DBDK:G::C@DBHI:C66CI:<66C:CJ>II:KD:G:C
7 DBJI:>C;DGB:G:CDK:GG:A:K6CI:EGD9J8I:C:CD;9>:CHI:CK6C9:IDI8=B:617:=DG:C9:7:9G>?K:C:C9:O:66CJ66CI:7>:9:C
8 DBEGD9J8I:C:C9>:CHI:CI:K:G7:I:G:C
9 DB9:K:>A><=:>9:C>CI:<G>I:>IK6C9:`C6C8>TA:H:8IDGI:L66G7DG<:C
: KDDGL:I:CH8=6EE:A>?@DC9:GOD:@:CHI6I>HI>H8=:6C6ANH:
; DBG>H>8D[H>CI:H8=6II:C
< KDDGG:A6I>:7:=::G
= DBI:KDA9D:C66CL:II:A>?@:K:GEA>8=I>C<:C
> J>ID:;:C:CK6CK:G=66AHG:8=Iξ˜‹ξ˜H6B:CADDE:C6;@DDE
1DDG::CKDAA:9><DK:GO>8=IK6C9:BD<:A>?@:<:7GJ>@H9D:A:>C9:CK6CJL<:<:K:CHK:GL>?O:CL>?C66GDCH,G>K68NHI6I:B:CIξ˜‹ξ˜I:G669EA:<:CDEO@CA
AHL>?JLE:GHDDCH<:<:K:CH<:7GJ>@:Cξ˜‹ξ˜=DJ9:CL>?DCH66C9:L:II:C:CG:<:AHKDDGEG>K68N+C9:G6C9:G:ξ˜™ξ˜
- 9:A<:B:C:1:GDG9:C>C<#:<:K:CH7:H8=:GB>C<
- 9:0>IKD:G>C<HL:IA<:B:C:1:GDG9:C>C<#:<:K:CH7:H8=:GB>C<
- 9:#:9G6<H8D9:1:GL:G@>C<,:GHDDCH<:<:K:CH1:GO:@:G66GH
- =:I,GDID8DA%C8>9:CI:CL66GH8=JL>C<HHNHI::B">C6C8>TA:%CHI:AA>C<:C
- 9:<:9G6<H8D9:,:GHDDCA>?@+C9:GOD:@
- 9:/:A:8DBBJC>86I>:L:I
1DDGB::G>C;DGB6I>:O>:DCH,G>K68NHI6I:B:CIξ˜‹ξ˜I:G669EA:<:CDEO@CA

ξ˜Šξ˜’ξ˜‡ξ˜‹ξ˜*45<,,/;7020930>ξ˜ξ˜—09><,,791:<8,>40&C=>008@::<,..0;>,>40
+B::CK:G6CILDDG9688:EI6I>:7:A:>9I:@JCC:CKD:G:Cξ˜‹ξ˜BD<:CL>?6AH4>AK:G:C'GJ>HJL<:<:K:CHG669EA:<:C7>?9:.I>8=I>C<:CIG66A%C;DGB6I>:.NHI::B
ξ˜‡ξ˜Ÿ%.>C4:>HI ::AC:B:GHK6C9:.I>8=I>C<%.@JCC:CDD@DC9:GA>C<<:<:K:CHJ>IL>HH:A:C$:I9D:A=>:GK6C>HG>H>8D[HI:7:=::GH:C:C;G6J9:I:<:CI:
<66C1DDG6AA:>C;DGB6I>:J>IL>HH:A>C<K>6.I>8=I>C<%.<:A9I=:IEG>K68NG:<A:B:CIK6C%.)::G>C;DGB6I>:K>C9IJDEHI>8=I>C<8>HCA
ξ˜Šξ˜’ξ˜‡ξ˜Œξ˜*458:209?A2020@09=/::<20@09,,9/0</09
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7>?KDDG7::A9DEJLG:>HK:GO:@:G66G6AH9>:VV@9:@@>C<7>:9IC66HIJL76H>HD;66CKJAA:C9:K:GO:@:G>C<+;DE9:66CHEG6@:A>?@=:>9HK:GO:@:G66GK6C9:
E:GHDDCξ˜‹ξ˜9>:9:H8=69:D;@DHI:CK:GDDGO66@I=::;I%H=:IDB::C9G>C<:C9:G:9:CCDD9O6@:A>?@96I9:G9:CJL69G:Hξ˜Œξ˜‹ξ˜K:GO:@:G>C<H:CEDA>H<:<:K:CHC>:I
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ξ˜Šξ˜’ξ˜‡ξ˜ξ˜*45<024=><0<09?A-?<20<=0<@4.09?880<
2>?O>?CL:II:A>?@K:GEA>8=IJL7JG<:GH:GK>8:CJBB:Gξ˜ξ˜‡ξ˜ž.*>CDCO:69B>C>HIG6I>:DEI:C:B:C0LODG<K:GA:C:GD;ODG<>CHI:AA>C<>HL:II:A>?@K:GEA>8=IJL
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2>?<:7GJ>@:C9JHDD@JL.*ξ˜‹ξ˜6AHL>?8DBBJC>8:G:CB:I9:O:E6GI>?:C
ξ˜Šξ˜’ξ˜‡ξ˜Žξ˜*,,<700=>?800<491:<8,>40:@0<?A<0.3>090930>20-<?46@,9?A2020@09=/::<ξ˜ξ˜•.380,ξ˜”ξ˜
0K>C9IB::G>C;DGB6I>:>CDCH,G>K68NHI6I:B:CIDEDCO:L:7H>I:0C::BI=>:G@:CC>HK6C9:<GDC9:CKDDG9:K:GL:G@>C<K6CE:GHDDCH<:<:K:CH:CJL
G:8=I:C
A.20 Wat zijn de gevolgen van fraude?
ξ˜‹ξ˜‰ξ˜‡ξ˜Šξ˜*,>4=1<,?/0ξ˜”ξ˜
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6 DC9:GK6AH:KDDGL:C9H:A:C
7 DEDC:><:CA>?@:<GDC9:CD;L>?O:
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9:K:G<D:9>C<ξ˜™ξ˜
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7 K:GK6AHI:D;B>HA:>9:C9:HIJ@@:C=::;I>C<:A:K:G9
8 ::CDCL6G:DE<6K:=::;I<:966CDK:G::C>C<:9>:C9:KDG9:G>C<
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ξ˜‹ξ˜‰ξ˜‡ξ˜‹ξ˜ξ˜–451<,?/02009@0<2:0/492
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8 JG:<>HIG:G:C>C9::G@:C9:H><C6A:G>C<HHNHI:B:CIJHH:CK:GO:@:G66GHξ˜ξ˜‡OD6AH=:I%.
9 J>I<:@::G9:K:G<D:9>C<ξ˜‡:C:C<:B66@I:ξ˜ξ˜‡DC9:GOD:@H@DHI:CI:GJ<KDG9:G:C
A.21 Begripsbepalingen
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7:<G>EE:C
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ξ˜•;:>3006
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ξ˜–0A45=@,9/4,29:=0
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EHN8=DAD<>:ξ˜‹ξ˜;NH>DI=:G6E>::CAD<DE:9>:%C::C/LDG9I8DCHJAI6I>:ξ˜‹ξ˜9>6<CDHI>:@:C7:=6C9:A>C<K:GA::C966CE6I>TCI:CB:I7>?ODC9:G:
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ξ˜—09><?8@::<0<107456304/=:9/0<D:06
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+EC6B:@DGI:G96Cξ˜ξ˜‘ξ˜“ξ˜JJG
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Medicijnen (geneesmiddelen) en dieetpreparaten
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'L6A>I:>IH-:<>HI:GKDDG,:9>8JG:Hξ˜ξ˜‡'-,K6CHI>8=I>C<,GD!-/
 ::CB:9>H8=KD:IODG<K:GA:C:G>C<:H8=G:K:C>C=:I'L6A>I:>IHG:<>HI:G):9>H8=1D:IODG<K:GA:C:GHξ˜ξ˜‡')1ξ˜ˆξ˜‹ξ˜96I7:=::G9LDG9I9DDG
'%4ξ˜ξ˜‡'L6A>I:>IHG:<>HIG6I>::C88G:9>I6I>::GD:EH7:D:;:C6G:C>C9:4DG<>CH6B:CL:G@>C<B:I9:*))1ξ˜ξ˜‡*:9:GA6C9H:
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7:=6C9:A>C<9D:I
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Ziekenhuis en verpleging
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7 8=GDBDHDDBDC9:GOD:@
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7JJGIK6C=:I:ME:GIO>:@:C=J>H0@G>?<I=>:GKDDG::CK:G<D:9>C<K6CB6M>B66A_ξ˜ξ˜˜ξ˜“ξ˜‹ξ˜”ξ˜ξ˜E:GC68=I
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ξ˜‘ξ˜ξ˜ 0=::;I6AA::CG:8=IDEK:G<D:9>C<K6C9:@DHI:CK6CDK:GC68=I>C<>C9:7JJGIK6C=:I:ME:GIO>:@:C=J>HI>?9:CH9:9:G9::CK>:G9:L::@C6JL
7:=6C9:A>C<%C9:::GHI::CIL::9:L::@C69:7:=6C9:A>C<K:G7A>?;IJ>C=:I:ME:GIO>:@:C=J>H
:0/0.7,<00<4684599:>,J=ξ˜”ξ˜
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Zwanger (worden)/baby/kind
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ξ˜”ξ˜‘
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K6C::CB:9>H8=HE:8>6A>HIL:G@I
7 =:I<:7GJ>@K6C9:K:GADH@6B:Gξ˜‹ξ˜6AH9:7:K6AA>C<EA66IHK>C9I>C::CO>:@:C=J>H
:>C=DJ9:CDBK6C<K6C9:I:K:GA:C:CODG<LDG9I7:<G:CH99DDG9:ODG<OD6AHB:9>H8=HE:8>6A>HI:C9>:EA:<:CI:7>:9:C
,20<0@0<2:0/492-45940>ξ˜†20.:9><,.>00</0D:<2@0<7090<
0>:;ξ˜‚ξ˜
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ξ˜Œξ˜‰ξ˜‡ξ˜‹ξ˜+:9/0<80/4=.3049/4.,>40
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6 =:I<:7GJ>@K6C9:K:GADH@6B:Gξ˜‹ξ˜6AH:G<::CB:9>H8=:>C9>86I>:7:HI66IDBI:7:K6AA:C>C::CO>:@:C=J>HD;<:7DDGI:8:CIGJB07:I66AI=>:GKDDGL:A
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>H96C_ξ˜ξ˜’ξ˜‘ξ˜’ξ˜‹ξ˜Œξ˜E:G96<ξ˜ξ˜‡_ξ˜ξ˜ξ˜•ξ˜ξ˜‹ξ˜”ξ˜ξ˜KDDG9:BD:9:G:C_ξ˜ξ˜ξ˜•ξ˜ξ˜‹ξ˜”ξ˜ξ˜KDDG=:I@>C9 6C7:I66AIJC66HI9>:_ξ˜ξ˜“ξ˜”ξ˜‹ξ˜Œξ˜DD@=:I7:9G6<96I7DK:C9:_ξ˜ξ˜’ξ˜‘ξ˜’ξ˜‹ξ˜Œξ˜E:G96<
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)::<-007/ξ˜“ξ˜
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04.07@4><4N.,>40
0=::;IG:8=IDE%1"D;%.%ξ˜ξ˜‡ξ˜’ξ˜ξ˜ξ˜ξ˜ˆξ˜‹ξ˜6C9:G:KGJ8=I766G=:>9H7:KDG9:G:C9:7:=6C9:A>C<:Cξ˜ξ˜‡ξ˜’ξ˜ξ˜ξ˜‘ξ˜ˆξ˜‹ξ˜HE:GB6>CKG>:O:Cξ˜ξ˜‡ξ˜’ξ˜ξ˜ξ˜’ξ˜ˆξ˜:C:>8:AK>IG>`86I>:ξ˜ξ˜‡ξ˜’ξ˜ξ˜ξ˜“ξ˜ˆξ˜ξ˜
ξ˜Œξ˜Šξ˜‡ξ˜Šξ˜ξ˜):1ξ˜ξ˜ξ˜—&
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9:G9:ED<>C<ξ˜‹ξ˜>C8AJH>:;9:966G7>?ID:<:E6HI:<:C::HB>99:A:C :ξ˜ξ˜’ξ˜ED<>C<:CO>?CKDDG%1":C%.%7:=6C9:A>C<:CH6B:C
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7 =:IK:G@G>?<:CK6CG>?E::>8:AA:Cξ˜ξ˜‡;DAA>@:AEJC8I>:
8 :>8:A7:KGJ8=I>C<:CDE@L:@:CK6C:B7GND[H>C=:IA67DG6IDG>JB
9 I:GJ<EA66IH>C<K6CD;ξ˜ξ˜‘ξ˜DCIHI6C::B7GND[H>C9:766GBD:9:G=DAI:DBOL6C<:GH8=6EI:A6I:CDCIHI66C:CIJ?DC<:G96Cξ˜ξ˜’ξ˜—ξ˜?66G 6CB6<7>?9:
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16C6;=:IBDB:CIK6C9:<:HA66<9:;DAA>@:AEJC8I>:I:AA:CL>?9:ED<>C<B::ξ˜‹ξ˜DC<:68=ID;:G9669L:G@:A>?@:>8:AA:CLDG9:CK:G@G:<:C 66GC6I:AA:C6AA:
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9DDG<66C9:OL6C<:GH8=6E>HDCIHI66CAH:GL:A::C9DDG<66C9:OL6C<:GH8=6E>HDCIHI66C96CBD<:CC69:O:OL6C<:GH8=6EDD@9:DK:G><:>C<:KGDG:C
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::GHI:ED<>C<
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C.1 Hoe sluit u de aanvullende verzekering af?
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C.2 Wat verzekert de aanvullende verzekering?
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KDDGO>:C>C<D;9DDG::CG:>HK:GO:@:G>C<ξ˜‹ξ˜6A96CC>:IK6CDJ9:G:96IJBξ˜‹ξ˜D;966GDC9:G6C9:G:<:9:@IO>?Cξ˜‹ξ˜>C9>:C9:O:66CKJAA:C9:K:GO:@:G>C<:CC>:IODJ
7:HI66C%C9>:C9:@DHI:CK6CJL7:=6C9:A>C<ξ˜ξ˜‡9::AHDD@7>?::C6C9:G:ξ˜ξ˜‡G:>HK:GO:@:G66GKDDGK:G<D:9>C<>C66CB:G@>C<@DB:COJAA:CL>?9>:::GHI
K:G<D:9:C:CK:GKDA<:CHξ˜ξ˜‡9::AHK:G=6A:CDE9:7:IG:;;:C9:K:GO:@:G66G$>:GKDDG9:A:CL>?JLB:9>H8=:<:<:K:CHB:I9:ξ˜ξ˜‡G:>HK:GO:@:G66G
ξ˜‹ξ˜‡ξ˜ξ˜ξ˜Ÿ:=>09/40@::<>@7:0409?4>>0<<:<4=80
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8A6JHJA:7A69I:GGDG>HB:9:@@>C<K6C9:*:9:GA6C9H:$:GK:GO:@:G>C<HB66IH8=6EE>?KDDG/:GGDG>HB:H8=69:C*1 >I8A6JHJA:7A69:C=:I7>?7:=DG:C9:
,GDID8DA6;L>@@:A>C<8A6>BHB6@:C9::AJ>IK6C9:O:EDA>H0@JCI=:IEGDID8DAK>C9:CDEC=IK:G::C9:CA$:I8A6JHJA:7A69@JCIJK>C9:CDEDCO:L:7H>I:
D;7>?DCHDEKG6<:C
ξ˜‹ξ˜‡ξ˜Žξ˜)0<2:0/492=@:72:</0-45800</0<0@0<D060<49209
$::;IJB::G9:G:K:GO:@:G>C<:C7>?DCH6;<:HADI:C 6CK:G<D:9:CL>?9:CDI6[H9>:J7>?DCH>C9>:CI68=I:G::CKDA<:CHK6CJ>Iξ˜™ξ˜
- 6H>H4:@:G
- 6CKJAA:C9/6C9D;ξ˜ξ˜‘ξ˜HI:GG:C
- +EI>B66A6CKJAA:C9ξ˜ξ˜ξ˜‹ξ˜ξ˜‘ξ˜:Cξ˜ξ˜’ξ˜ξ˜
C.3 Is er een verplicht en vrijwillig gekozen eigen risico?
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K:GO:@:G>C<:C<:A9I9JH<::C:><:CG>H>8DKDDG9:K:G<D:9>C<:C
C.4 Wat betaalt u?
ξ˜ξ˜‡ξ˜Šξ˜ξ˜œ::2>0@,9?A;<0840
$D:K::AEG:B>:J7:I66AIξ˜‹ξ˜=6C<I6;K6CJLA::;I>?9.I>?<IJLEG:B>:9DDG96IJ::CA::;I>?9H<G:CHDK:GH8=G>?9I 6CL>?O><I9:EG:B>:E:G?6CJ6G>K6C=:I
KDA<:C9:?66GL66G>CJ9>:A::;I>?97:G:>@I
$::;IK6C9:DJ9:GH7>?DCH::C76H>HK:GO:@:G>C<:C66CKJAA:C9:K:GO:@:G>C<ξ˜‡:C6;<:HADI:C 6C>H9:E:GHDDC?DC<:G96Cξ˜ξ˜ξ˜—ξ˜?66G9>:>HB::K:GO:@:G9ξ˜‹ξ˜
<::CEG:B>:K:GH8=JA9><9KDDG9:66CKJAA:C9:K:GO:@:G>C<ξ˜‡:C2DG9I9:O:E:GHDDCξ˜ξ˜ξ˜—ξ˜?66G 6C7:CIJξ˜ξ˜‡K:GO:@:G>C<C:B:GEG:B>:K:GH8=JA9><9E:G9:
::GHI:K6C9:B66C99>:KDA<IDE9:@6A:C9:GB66C9L66G>C9:O:E:GHDDCξ˜ξ˜ξ˜—ξ˜?66GLDG9I
ξ˜ξ˜‡ξ˜‹ξ˜ξ˜•7=?/0;<0840940>:;>45/-0>,,7>
:I66AIJξ˜ξ˜‡K:GO:@:G>C<C:B:GJLEG:B>:C>:IDEI>?9 6C<:7:JGI>C66CKJAA>C<DE6GI>@:A26I<:7:JGI:G6AHJC>:IDEI>?97:I66AI:C26I<:7:JGI
:G6AHJ::C7:I6A>C<H68=I:GHI6C9=::;I=:IKDA<:C9:2>?7:T>C9><:CJL66CKJAA:C9:K:GO:@:G>C<ξ˜‡:Cξ˜ˆξ˜‹ξ˜6AHJξ˜ξ˜‡K:GO:@:G>C<C:B:GJLEG:B>:C>:I7:I66AI
7>CC:C9:<:HI:A9:7:I6A>C<HI:GB>?C>CDCO:9:G9:H8=G>;I:A>?@:66CB6C>C<0LG:8=IDEK:G<D:9>C<K:GK6AI96C6JIDB6I>H8=B:I>C<6C<K6C9:::GHI:96<
K6C9:B66C9C696I9:<:CD:B9:7:I6A>C<HI:GB>?C>HK:GHIG:@:C :7:I6A>C<HEA>8=I7A>?;I7:HI66C
%HJLEG:B>:68=I:GHI6C9KDA966C 6C@JCIJE:G?6CJ6G>K6C=:IKDA<:C9:?66GDEC>:JLξ˜ξ˜‡::C66CKJAA:C9:K:GO:@:G>C<ξ˜‡:C6;HAJ>I:C$>:G@6CL:A::C
B:9>H8=:7:DDG9:A>C<66CKDDG6;<66C
C.5 Wat als uw premie en/of voorwaarden wijzigen?
ξ˜Žξ˜‡ξ˜Šξ˜*456?9909?A;<084009:1@::<A,,</09A45D4209
2>?=:77:C=:IG:8=I9:EG:B>::CD;9:KDDGL66G9:CK6C9:7>?DCHADE:C9:66CKJAA:C9:K:GO:@:G>C<:C:C7AD8D;<GD:EH<:L>?HI:L>?O><:C!:C
9:G<:A>?@:L>?O><>C<KD:G:CL>?9DDGDE::C96IJB9>:L>?K6HIHI:AA:C :O:L>?O><>C<:C<:A9:CKDDGJL66CKJAA:C9:K:GO:@:G>C<ξ˜‡:Cξ˜ˆξ˜‹ξ˜DD@6AHJ6AK:GO:@:G9
L6H
ξ˜Žξ˜‡ξ˜‹ξ˜ξ˜•7=?940>,66::</2,,>80>/0A45D4249209
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L66GDE9:EG:B>::CD;KDDGL66G9:CL>?O><:C
ξ˜Žξ˜‡ξ˜Œξ˜&:8=4=:;D022099,A45D4249209940>8:207456
%C::C66CI6A<:K6AA:C@JCIJC>:IIJHH:CI>?9HDEO:<<:Cξ˜‹ξ˜6AHL>?9:EG:B>::CD;KDDGL66G9:C66CE6HH:C*6B:A>?@6AHξ˜™ξ˜
- 9:EG:B>:K:G=D<>C<:CD;9:7:E:G@>C<:CK6C9:KDDGL66G9:C:CD;K:G<D:9>C<:C=:I<:KDA<O>?CK6CL:II:A>?@:G:<:A>C<:C
ξ˜•ξ˜
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ξ˜Žξ˜‡ξ˜ξ˜ξ˜•1=;<,609:@0</0.:770.>4@4>04>
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C.6 Wanneer gaat uw aanvullende verzekering in? En hoe wijzigt u deze?
ξ˜ξ˜‡ξ˜Šξ˜(A,,9@?7709/0@0<D060<4922,,>49:;5,9?,<4
0ξ˜ξ˜‡K:GO:@:G>C<C:B:G@JCI::C6A7>?DCHADE:C9:76H>HK:GO:@:G>C<J>I7G:>9:CB:I::C66CKJAA:C9:K:GO:@:G>C< >I@6CIDI:CB:Iξ˜ξ˜’ξ˜ξ˜?6CJ6G>K6C=:I
ADE:C9:@6A:C9:G?66G0HAJ>I9:O:66CKJAA:C9:K:GO:@:G>C<96Cξ˜‹ξ˜B:II:GJ<L:G@:C9:@G68=Iξ˜‹ξ˜6;E:G?6CJ6G>2>?BD:I:C=>:GH8=G>;I:A>?@B::6@@DDG9<66C
ξ˜ξ˜‡ξ˜‹ξ˜(A,,9@?7709/0@0<D060<492A45D4209
2>AIJξ˜ξ˜‡K:GO:@:G>C<C:B:G::C6A7>?DCHADE:C9:66CKJAA:C9:K:GO:@:G>C<L>?O><:C 6C@6C96IIDI:CB:Iξ˜ξ˜’ξ˜ξ˜?6CJ6G>K6C=:IADE:C9:@6A:C9:G?66G0@>:HI
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6@@DDG9<66C
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C.7 Hoe beΓ«indigt u uw aanvullende verzekering?
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=:I66CKG66<;DGBJA>:GK6CJLC>:JL:ODG<K:GO:@:G66G
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C.8 Wanneer beΓ«indigen wij uw aanvullende verzekering?
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C.9 Hoe gaan wij om met materiΓ«le controle?
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C.10 Begripsbepalingen
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D. Vergoedingen Optimaal Aanvullend 1, 2 en 3
Alternatief
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0>:;ξ˜‚ξ˜
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L>?C>:I<:8DCIG68I::G9=:77:C 6CDCIK6C<IJ<::CK:G<D:9>C<
2>AIJL:I:CB:IL:A@:ODG<K:GA:C:GHL>?::C8DCIG68I=:77:C#:7GJ>@96C9:4DG<OD:@:GDEO@CAODG<OD:@:GD;C::B8DCI68IB:IDCHDE
ξ˜•,9@?7709/ 066492
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+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ <::C9:@@>C<
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
ξ˜–ξ˜–
Vervoer
ξ˜˜ξ˜‡ξ˜‹ξ˜‹ξ˜ξ˜™4209-45/<,20@0<@:0<=6:=>09
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9>:J=>:GKDDGK:GH8=JA9><97:CI
ξ˜•,9@?7709/ 066492
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+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
Voeten
ξ˜˜ξ˜‡ξ˜‹ξ˜Œξ˜$0/4.?<0D:<2-45009<0?8,>4=.30ξ˜…ξ˜/4,-0>4=.30:180/4=.30@:0>
2>?K:G<D:9:C9:@DHI:CK6CE:9>8JG:ODG<7>?::CG:JB6I>H8=:KD:Iξ˜ξ˜‡ξ˜‘ξ˜’ξ˜ξ˜ξ˜ˆξ˜‹ξ˜::C9>67:I>H8=:KD:Iξ˜ξ˜‡ξ˜‘ξ˜’ξ˜ξ˜‘ξ˜ˆξ˜D;::CB:9>H8=:KD:Iξ˜ξ˜‡ξ˜‘ξ˜’ξ˜ξ˜’ξ˜ˆξ˜ξ˜$>:GDC9:GA::HIJL:A@:
KDDGL66G9:C:GKDDGK:G<D:9>C<<:A9:C
ξ˜‹ξ˜Œξ˜‡ξ˜Šξ˜$0/4.?<0D:<2-45009<0?8,>4=.30@:0>
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)::<A,,</09@::<@0<2:0/492
 0BD:I@::G::CK:G@A6G>C<K6C::C=J>H6GIHD;B:9>H8=HE:8>6A>HI66CDCH<:K:C0>I9:O:K:G@A6G>C<BD:I7A>?@:C96IKD:IK:GODG<>C<CD9><>H>C
K:G76C9B:Iξ˜™ξ˜
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 6GIG>I>HEHDG>6I>86ξ˜ξ˜‡<:LG>8=IHDCIHI:@>C<7>?B:CH:CB:I9:=J>9O>:@I:EHDG>6H>H
 :8=I:G:Lξ˜ξ˜‡4>:@I:K6Cξ˜ˆξ˜ξ˜‡ID:C:B:C9:<:LG>8=IHDCIHI:@>C<:Cξ˜‹ξ˜K66@7:<>CC:C9>C9:L:GK:A@DADB
 8=DC9GD86A8>CDH>Hξ˜ξ˜‡KDGBK6CDCIHI:@>C<HG:JB6L66G7>?O>8=@G>HI6AA:C>C=:I<:LG>8=IKDGB:C
 ?:J<9G:JB6
 8=GDC>H8=:?>8=I66C9:KD:Iξ˜‡:C
 O>:@I:K6C,6<:Iξ˜ξ˜‡8=GDC>H8=:7DIO>:@I:
 EDANC:JGDE6I=>:ξ˜ξ˜‡O:CJLDCIHI:@>C<:C
 8=GDC>H8=:G:68I>:K:6GIG>I>Hξ˜ξ˜‡<:LG>8=IHDCIHI:@>C<:Cξ˜‹ξ˜K66@6AHG:68I>:DE>C;:8I>:
 G:JB6ID>9:6GIG>I>Hξ˜ξ˜‡DCIHI:@>C<K6C9:<:LG>8=I:C
 H8A:GD9:GB>:ξ˜ξ˜‡G:JB6I>H8=:66C9D:C>C<L66G7>?7>C9L::;H:A9>@@:GLDG9ID;K:G=6G9I9DDG::CDCIHI:@>C<HEGD8:H
 O>:@I:K6C.I>AAξ˜ξ˜‡?:J<9G:JB6
 :GCHI><:6GIGDH:66C9:KD:Iξ˜‹ξ˜B:IHI6C9H6;L>?@>C<:C:CD;K:G<GD:>>C<:C
ξ˜‘ξ˜ξ˜ :E:9>8JG:BD:I>C<:H8=G:K:CHI66C>CK6C9:KDA<:C9:@L6A>I:>IHG:<>HI:GHξ˜™ξ˜
 =:I'L6A>I:>IH-:<>HI:GKDDG,:9>8JG:Hξ˜ξ˜‡'-,K6CHI>8=I>C<,GD!-/B:I9:66CI:@:C>C<ZG:JB6I>H8=:KD:I[ξ˜ξ˜‡-1D;6AHB:9>H8=E:9>8JG:ξ˜ξ˜‡),
 =:I@L6A>I:>IHG:<>HI:G-:<>HI:G,6G6B:9>H8=:1D:IODG<ξ˜ξ˜‡-,1K6C7G6C8=:DG<6C>H6I>:.I>E:ODξ˜ξ˜‡.I>8=I>C<E:9>8JG:>C9:ODG<ξ˜ˆξ˜‹ξ˜86I:<DG>:ξ˜ξ˜ξ˜ξ˜‡ξ˜ξ˜Šξ˜žξ˜ˆξ˜‹ξ˜6AH
=:I<66IDB::CE6G6B:9>H8=8=>GDED9>HIξ˜‹ξ˜B:9>H8=E:9>8JG:ξ˜‹ξ˜D;E:9>8JG:B:I9:66CI:@:C>C<ZKD:IK:GODG<>C<7>?G:JB6E6I>TCI:C[ξ˜ξ˜‡-1
 =:I'L6A>I:>IHG:<>HI:G):9>H8=1D:IODG<K:GA:C:GHξ˜ξ˜‡')1ξ˜ˆξ˜‹ξ˜96I7:=::G9LDG9I9DDG'%4ξ˜ξ˜‡'L6A>I:>IHG:<>HIG6I>::C88G:9>I6I>:
:GD:EH7:D:;:C6G:C>C9:4DG<>CH6B:CL:G@>C<B:I9:*))1ξ˜ξ˜‡*:9:GA6C9H:)66IH8=6EE>?K6CKDDG):9>H8=1D:IODG<K:GA:C:GH
ξ˜’ξ˜ξ˜ +E9:CDI6BD:I9:<:A9><:E:GHDDCA>?@:#8D9:K6C9:E:9>8JG:HI66C9>:>H6;<:<:K:CKDDG9:ODG<9>:<:A:K:G9LDG9ISC=:I@L6A>I:>IHG:<>HI:G
L66G7>?9:O:ODG<K:GA:C:GHI66I>C<:H8=G:K:C%C9>:C::CODG<EGD`:A>HK6HI<:HI:A996CL:A@6CLDG9:CK6HI<:HI:A9ξ˜‹ξ˜BD:I9:ODG<K:GA:C:G=:I
ODG<EGD`:ADE9:CDI6K:GB:A9:C
ξ˜“ξ˜ξ˜ 0>I9:CDI6BD:I7A>?@:C96I=:I<66IDB::CDC9:GOD:@ξ˜‹ξ˜7:=6C9:A>C<D;::CHE:8>6A:I:8=C>:@:CDBL:A@INE:G:JB6I>H8=:KD:I=:I<66I
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2>?K:G<D:9:CC>:I9:@DHI:CK6Cξ˜™ξ˜
6 EG:K:CI>:K:KD:IODG<9>:DC9:G9:76H>HK:GO:@:G>C<K6AIξ˜ξ˜‡ξ˜žξ˜ξ˜ξ˜—ξ˜,G:K:CI>:K:KD:IODG<KDDGK:GO:@:G9:CB:I::CK:G=DD<9G>H>8DDEKD:IJA8:G6
7 =:IK:GL>?9:G:CK6C::AIDB8DHB:I>H8=:G:9:C:C
8 =:I@C>EE:CK6CC6<:AHODC9:GB:9>H8=:G:9:C
ξ˜‹ξ˜Œξ˜‡ξ˜‹ξ˜$0/4.?<0D:<2-45009/4,-0>4=.30@:0>
$::;IJ::C9>67:I>H8=:KD:IB:IODG<EGD`:A 6CK:G<D:9:CL>?9:@DHI:CK6CKD:IK:GODG<>C<9DDG::CE:9>8JG:
)::<A,,</09@::<@0<2:0/492
 :E:9>8JG:BD:I>C<:H8=G:K:CHI66C>CK6C9:KDA<:C9:G:<>HI:GHξ˜™ξ˜
 =:I'L6A>I:>IH-:<>HI:GKDDG,:9>8JG:Hξ˜ξ˜‡'-,K6CHI>8=I>C<,GD!-/B:I9:66CI:@:C>C<ZKD:IK:GODG<>C<7>?9>67:I>8>[ξ˜ξ˜‡ 1D;6AHB:9>H8=E:9>8JG:
ξ˜‡),
 =:I'L6A>I:>IHG:<>HI:G):9>H8=1D:IODG<K:GA:C:GHξ˜ξ˜‡')1ξ˜ˆξ˜‹ξ˜96I7:=::G9LDG9I9DDG'%4ξ˜ξ˜‡'L6A>I:>IHG:<>HIG6I>::C88G:9>I6I>:
:GD:EH7:D:;:C6G:C>C9:4DG<>CH6B:CL:G@>C<B:I9:*))1ξ˜ξ˜‡*:9:GA6C9H:)66IH8=6EE>?K6CKDDG):9>H8=1D:IODG<K:GA:C:GH
 =:I@L6A>I:>IHG:<>HI:G-:<>HI:G,6G6B:9>H8=:1D:IODG<ξ˜ξ˜‡-,1K6C7G6C8=:DG<6C>H6I>:.I>E:ODξ˜ξ˜‡.I>8=I>C<E:9>8JG:>C9:ODG<ξ˜ˆξ˜‹ξ˜86I:<DG>:ξ˜ξ˜ξ˜ξ˜‡ξ˜ξ˜Šξ˜žξ˜ˆξ˜‹ξ˜6AH
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ξ˜–ξ˜—
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6;<:<:K:CKDDG9:ODG<9>:<:A:K:G9LDG9ISC=:I@L6A>I:>IHG:<>HI:GL66G7>?9:O:ODG<K:GA:C:GHI66I>C<:H8=G:K:C
*,>A45ξ˜ξ˜ƒ@:7209=/4>,<>4607ξ˜„ξ˜940>@0<2:0/09
2>?K:G<D:9:CC>:I9:@DHI:CK6Cξ˜™ξ˜
6 EG:K:CI>:K:KD:IODG<9>:DC9:G9:76H>HK:GO:@:G>C<K6AIξ˜ξ˜‡ξ˜žξ˜ξ˜ξ˜—ξ˜,G:K:CI>:K:KD:IODG<KDDGK:GO:@:G9:CB:I::CK:G=DD<9G>H>8DDEKD:IJA8:G6
7 =:IK:GL>?9:G:CK6C::AIDB8DHB:I>H8=:G:9:C:C
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8 =:I@C>EE:CK6CC6<:AHODC9:GB:9>H8=:G:9:C
ξ˜•,9@?7709/ 066492
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+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ B6M>B66A_ξ˜ξ˜‘ξ˜ξ˜ξ˜‹ξ˜Œξ˜E:GE:GHDDCE:G@6A:C9:G?66Gξ˜‹ξ˜L66GDC9:GB6M>B66AE66Gξ˜ξ˜‡HEDGIHI:JCODA:C
Ziekenhuis en verpleging
ξ˜˜ξ˜‡ξ˜‹ξ˜Žξ˜#@0<9,.3>492490092,=>3?4=09@0<@:0<-0D:06-45@0<-745149009D406093?4=ξ˜…ξ˜ξ˜›ξ˜›+ξ˜†49=>077492ξ˜…ξ˜<0@,74/,>40ξ˜†49=>077492:13:=;4.0
#66IJDE7:OD:@7>?::C<:O>CHA>9ξ˜ξ˜‡:8=I<:CDDIξ˜‹ξ˜:8=I<:CDI:D;E6GIC:Gξ˜‹ξ˜ξ˜‡:><:C>CD;J>ILDC:C9@>C996IK:G7A>?;I>C::CO>:@:C=J>Hξ˜‹ξ˜##4>CHI:AA>C<ξ˜‹ξ˜
G:K6A>96I>:>CHI:AA>C<D;=DHE>8:>C*:9:GA6C9ξ˜‹ξ˜ξ˜ž:A<>TD; J>IHA6C9 6CK:G<D:9:CL>?9:@DHI:CK6Cξ˜™ξ˜
6 9::><:C7>?9G6<:KDDGDK:GC68=I>C<>C::C-DC6A9)8 DC6A9=J>HD;::C6C9:G<6HI=J>H>C9:C67>?=:>9K6C=:IO>:@:C=J>H
7 =:IK:GKD:GE:G:><:C6JIDD;I6M>K6C6;=:ILDDC69G:HC66G:CK6C=:IO>:@:C=J>Hξ˜‹ξ˜##4>CHI:AA>C<ξ˜‹ξ˜G:K6A>96I>:>CHI:A>C<D;=DHE>8:2>?K:G<D:9:C
_ξ˜ξ˜ξ˜‹ξ˜“ξ˜ξ˜E:G@>ADB:I:G
8 DE:C766GK:GKD:Gξ˜ξ˜‡A66<HI:@A6HH:K6C6;=:ILDDC69G:HC66G:CK6C=:IO>:@:C=J>Hξ˜‹ξ˜##4>CHI:AA>C<ξ˜‹ξ˜G:K6A>96I>:>CHI:AA>C<D;=DHE>8:
2>?7:E6A:CDE76H>HK6C9:EDHI8D9:K6CJLK:GIG:@69G:H:CJL7:HI:BB>C<=:II:K:G<D:9:C66CI6A@>ADB:I:GH2>?9D:C9>IDE76H>HK6C9:HC:AHI:
GDJI:KDA<:CH9:9DDGDCH<:=6CI::G9:GDJI:EA6CC:G)::G>C;DGB6I>:K>C9IJDEO@CAK:GKD:GD;@JCIJ7>?DCHDEKG6<:C
)::<A,,</09@::<@0<2:0/492
 0<:7GJ>@I=:I9:8A6G6I>:;DGBJA>:GDBJLK:GOD:@IDIK:G<D:9>C<K6C9:<:B66@I:@DHI:C7>?DCH>CI:9>:C:C0K>C9I9>I9:8A6G6I>:;DGBJA>:GDEDCO:
L:7H>I:
ξ˜‘ξ˜ξ˜ $:I<6HI=J>H>H::CC>:I8DBB:G8>TA:>CHI:AA>C<:C=::;I::CK:G7>C9>C<B:Iξ˜™ξ˜
 ::CO>:@:C=J>H>C*:9:GA6C9D;
 ::CO>:@:C=J>H7J>I:C*:9:GA6C9L66GB::L>?::C8DCIG68I=:77:C<:HADI:C
AH:G<::CEA66IHB::G>H>C=:I<6HI=J>H96CB6<J>CEA66IH966GK6C>C::C8DBB:G8>TA:>CHI:AA>C<ξ˜ξ˜‡7>?K=DI:Aξ˜‹ξ˜E:CH>DCξ˜‹ξ˜ξ˜žξ˜…ξ˜žξ˜‹ξ˜ξ˜>G7C7>C9:DB<:K>C<
DK:GC68=I:C :K:G<D:9>C<>H96C<:A>?@66CL6IL>?=699:CK:G<D:9KDDG::CDK:GC68=I>C<>C=:I<6HI=J>H2>?KG6<:CJ96CL:ADB::CK:G@A6G>C<ξ˜ξ˜‡K6C
=:I<6HI=J>HK6C=:IO>:@:C=J>HB::I:HIJG:CB:IJL9:8A6G6I>:;DGBJA>:Gξ˜‹ξ˜L66G>CHI66I96I=:I<6HI=J>HKDAL6H>C9:E:G>D9:L66GDK:GJ::CK:G<D:9>C<
KDDG=:IK:G7A>?;KG66<I
ξ˜™4209-0>,7492@::<@0<@:0<
1DDGK:GKD:Gξ˜ξ˜‡B:I=:IDE:C766GK:GKD:Gξ˜‹ξ˜I6M>K:GKD:GD;:><:C6JID<:A9I::C:><:C7:I6A>C<K6C_ξ˜ξ˜ξ˜ξ˜ξ˜‹ξ˜Œξ˜E:G@6A:C9:G?66G
*,>A45ξ˜ξ˜ƒ@:7209=/4>,<>4607ξ˜„ξ˜940>@0<2:0/09
2>?K:G<D:9:CC>:I9:@DHI:CK6CK:GKD:GE:GKA>:<IJ><
ξ˜—ξ˜
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 <::C9:@@>C<
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ B6M>B66A_ξ˜ξ˜’ξ˜”ξ˜‹ξ˜Œξ˜E:GC68=IKDDG9:<:B66@I:DK:GC68=I>C<H@DHI:C)6M>B66A_ξ˜ξ˜”ξ˜ξ˜ξ˜‹ξ˜Œξ˜E:G@6A:C9:G?66GKDDG6AA:
7:OD:@:GHH6B:CKDDG9:<:B66@I:DK:GC68=I>C<H:CD;K:GKD:GH@DHI:C
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ B6M>B66A_ξ˜ξ˜’ξ˜”ξ˜‹ξ˜Œξ˜E:GC68=IKDDG9:<:B66@I:DK:GC68=I>C<H@DHI:C)6M>B66A_ξ˜ξ˜”ξ˜ξ˜ξ˜‹ξ˜Œξ˜E:G@6A:C9:G?66GKDDG6AA:
7:OD:@:GHH6B:CKDDG9:<:B66@I:DK:GC68=I>C<H:CD;K:GKD:GH@DHI:C
ξ˜˜ξ˜‡ξ˜‹ξ˜ξ˜ξ˜œ:=;4.0
2>?K:G<D:9:C9::><:C7>?9G6<:CI:C7:=D:K:K6C::CK:GO:@:G9:7>?K:G7A>?;>C::C=DHE>8: :=DHE>8:BD:IE6GI>8>E:G:C>C=:IC:IL:G@E6AA>6I>:K:ODG<
>C9:G:<>D :=DHE>8:B6<<::C9::AJ>IB6@:CK6C::C<:ODC9=:>9H>CHI:AA>C<ξ˜‹ξ˜OD6AH::CK:GEA::<ξ˜Œξ˜‹ξ˜7:?66G9:CD;K:GODG<>C<HI:=J>H
*,>A45ξ˜ξ˜ƒ@:7209=/4>,<>4607ξ˜„ξ˜940>@0<2:0/09
2>?K:G<D:9:CC>:I9::><:C7>?9G6<:9>:DE<GDC9K6C9:2AO>CG:@:C>C<LDG9I<:7G68=I7>?K:G7A>?;>C::C=DHE>8:
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
ξ˜˜ξ˜‡ξ˜‹ξ˜ξ˜&>0<474=,>40
2>?K:G<D:9:C9:@DHI:CK6CHI:G>A>H6I>:
)::<A,,</09@::<@0<2:0/492
:7:=6C9:A>C<BD:IEA66IHK>C9:C>Cξ˜™ξ˜
 9:EG6@I>?@K6C::C=>:GID:7:KD:<9:=J>H6GIHξ˜‹ξ˜6AH=:I<66IDB::CB6CC:A>?@:K:GO:@:G9:
ξ˜‘ξ˜ξ˜ ::CO>:@:C=J>HD;::CO:A;HI6C9><7:=6C9:A8:CIGJBξ˜ξ˜‡EDA>@A>C>H8=D;>C96<7:=6C9:A>C<
*45@0<2:0/09,7700920.:9><,.>00</0D:<2
0>:;ξ˜‚ξ˜
0BD:IJA6I:C7:=6C9:A:C9DDG::C=>:GID:7:KD:<9:=J>H6GIHD;::CB:9>H8=HE:8>6A>HI9>:L>?=>:GKDDG=:77:C<:8DCIG68I::G9'>:HIJKDDG::C
=J>H6GIH9>:=>:GKDDGC>:I7:KD:<9>HD;::CB:9>H8=HE:8>6A>HI9>:L>?C>:I<:8DCIG68I::G9=:77:C 6CDCIK6C<IJ<::CK:G<D:9>C<
2>AIJL:I:CB:IL:A@:B:9>H8=HE:8>6A>HI:CL>?::C8DCIG68I=:77:C#:7GJ>@96C9:4DG<OD:@:GDEO@CAODG<OD:@:GD;C::B8DCI68IB:IDCHDE
*,>A45ξ˜ξ˜ƒ@:7209=/4>,<>4607ξ˜„ξ˜940>@0<2:0/09
%H:GHEG6@:K6C::C=:GHI:ADE:G6I>: 6CK:G<D:9:CL>?9:@DHI:CC>:I
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 <::C9:@@>C<
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
ξ˜˜ξ˜‡ξ˜‹ξ˜‘ξ˜'A00/0ξ˜ξ˜•<>=#97490
2>?K:G<D:9:C9:@DHI:CK6C/L::9:GIH+CA>C: >I>H::C9><>I66AEA6I;DGBL66GDEJ7>?IL>?;:ADK:G::C<:HI:A9:9>6<CDH::CD;7:=6C9:A>C<::C
ξ˜‡B:9>H8=HE:8>6A>HI@6C@>:O:C:C=:B=66G::CKG66<@6CHI:AA:CDK:G::C<:HI:A9:9>6<CDH::CD;7:=6C9:A>C<
)::<A,,</0@::<@0<2:0/492
0C::BI8DCI68IDEB:I9:,:GHDDCA>?@:4DG<8D68=ξ˜™ξ˜ξ˜ξ˜–ξ˜ξ˜ξ˜Œξ˜ξ˜’ξ˜•ξ˜”ξ˜ξ˜‘ξ˜ξ˜ξ˜“ξ˜ξ˜ξ˜ :,:GHDDCA>?@:4DG<8D68=HIJJGI9:66CKG66<C66G/L::9:GIH+CA>C:
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
ξ˜—ξ˜
Zwanger (worden)/baby/kind
ξ˜˜ξ˜‡ξ˜‹ξ˜’ξ˜ξ˜™4209-45/<,20-0@,7749209@0<7:=6?9/420D:<2
:CIJODC9:GB:9>H8=:>C9>86I>:EDA>@A>C>H8=7:K6AA:C>C::CO>:@:C=J>HD;<:7DDGI:8:CIGJBDC9:GA:>9>C<K6C::CK:GADH@JC9><:D;=J>H6GIH 6C7:CIJ
=>:GKDDG::CL:II:A>?@::><:C7>?9G6<:K:GH8=JA9><9DE76H>HK6C9:76H>HK:GO:@:G>C<2>?K:G<D:9:C66CKGDJL:A>?@:K:GO:@:G9:C9:@DHI:CK6C9:O:>C
G:@:C>C<<:7G68=I:L:II:A>?@::><:C7>?9G6<:
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 <::C9:@@>C<
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
ξ˜˜ξ˜‡ξ˜Œξ˜‰ξ˜ξ˜–:<=>6:71,;;,<,,>
2>?K:G<D:9:C66CKGDJL:A>?@:K:GO:@:G9:C9:@DHI:CK6C66CH8=6;K6C::C7DGHI@DA;6EE6G66I
*,>A45ξ˜ξ˜ƒ@:7209=/4>,<>4607ξ˜„ξ˜940>@0<2:0/09
2>?K:G<D:9:CC>:I9:@DHI:CK6Cξ˜™ξ˜
6 ADHH:DC9:G9:A:CK6C=:I7DGHI@DA;6EE6G66I
7 9:66CH8=6;K6CIL::9:=6C9H7DGHI@DAK:C
ξ˜•,9@?7709/ 066492
+EI>B66A6CKJAA:C9 <::C9:@@>C<
+EI>B66A6CKJAA:C9ξ˜ξ˜‘ξ˜ B6M>B66A_ξ˜ξ˜–ξ˜”ξ˜‹ξ˜Œξ˜E:GOL6C<:GH8=6E
+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ B6M>B66A_ξ˜ξ˜–ξ˜”ξ˜‹ξ˜Œξ˜E:GOL6C<:GH8=6E
ξ˜˜ξ˜‡ξ˜Œξ˜Šξ˜ξ˜Ÿ<,,8;,660>
!:CKGDJL:A>?@:K:GO:@:G9:@G>?<IK6CDCHGJ>BKDDG9:K:GL68=I:7:K6AA>C<H96IJB::C@G66BE6@@:II=J>H7:ODG<9
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ξ˜•,9@?7709/ 066492
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+EI>B66A6CKJAA:C9ξ˜ξ˜’ξ˜ ξ˜ξ˜ξ˜ξ˜„ξ˜
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ξ˜•,9@?7709/ 066492
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ξ˜•,9@?7709/ 066492
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0>:;ξ˜‚ξ˜
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=:77:C 6CDCIK6C<IJ<::CK:G<D:9>C<
2>AIJL:I:CB:IL:A@:A:K:G6C8>:GHL>?::C8DCIG68I=:77:C#:7GJ>@96C9:4DG<OD:@:GDEO@CAODG<OD:@:GD;C::B8DCI68IB:IDCHDE
ξ˜•,9@?7709/ 066492
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ξ˜˜ξ˜‡ξ˜Œξ˜Žξ˜+0713?7;;<:2<,88,K&74880<+A,920<L
2>?K:G<D:9:C9:67DCC:B:CIH@DHI:CK6C=:IO:A;=JAEEGD<G6BB6\.A>BB:G4L6C<:G]!:C67DCC:B:CIDE=:I.A>BB:G4L6C<:GEGD<G6BB69JJGI
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ξ˜•,9@?7709/ 066492
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ξ˜—ξ˜’
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Preventie
2>?K:G<D:9:C9:@DHI:CK6CEG:K:CI>:,G:K:CI>:>H<:G>8=IDE=:IK:G7:I:G:CD;DEE:>A=DJ9:CK6CJL<:ODC9=:>9 :K:G<D:9>C<:CK6C,G:K:CI>:O>?C
DE<:9::A9>C9:#:ODC9:C">I7JC9:A ξ˜ξ˜’ξ˜–ξ˜‹ξ˜1D:9>C<ξ˜ξ˜‡ ξ˜ξ˜’ξ˜—ξ˜ˆξ˜‹ξ˜">ILDG9:CD;7A>?K:Cξ˜ξ˜‡ ξ˜ξ˜’ξ˜˜ξ˜ˆξ˜‹ξ˜):CI6A:L::G766G=:>9ξ˜ξ˜‡ ξ˜ξ˜“ξ˜ξ˜ˆξ˜:C+K:G><:8JGHJHH:Cξ˜ξ˜‡ ξ˜ξ˜“ξ˜ξ˜ˆξ˜ξ˜
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ξ˜˜ξ˜‡ξ˜Œξ˜ξ˜ξ˜›0D:9/094>-?9/07
:#:ODC9:C">I7JC9:A=::;IK:G<D:9>C<:C9>:J=:AE:CDBB:IJL<:ODC9=:>966C9:HA6<I:<66C :7JC9:A@:CI::CB6M>B6A:9:@@>C<
0>:;ξ˜‚ξ˜
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
E. Vergoedingen Aanvullend Tand 1 en 2 sterren
E.1 Tandheelkundige zorg voor verzekerden van 18 jaar en ouder
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