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Important information! Your health care insurance in 2016

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(1)

Your health care insurance in 2016

(2)

Index

IAK health care insurance

3

An overview of your health care insurance options

4

Supplementary insurance packages

5

Statutory and other changes to the basic insurance package

6

Changes to the supplementary health care packages for 2016

7

Changes to the supplementary All-in-1 health care packages for 2016

8

New: video clips

9

New: 2-in-1 health insurance card

10

Digital convenience

11

Together for a perfectly insured future

Use this table of contents to go straight

to the information you need. Click on one of

(3)

IAK Health Care Insurance

Our IAK Health Care Insurance options offer you major discounts combined with extensive

reimbursements. This brochure contains information about the new health care packages for 2016.

The existing packages have undergone some changes: some dictated by the government and

others initiated by IAK. Read this brochure to find out more about these changes and our service.

Rest assured: next year you will once again be perfectly insured with IAK!

Mijn IAK more closely tailored to your wishes

We regularly ask you for input on how to improve our services. The responses show

that you prefer to receive personalised information and more details about your

health care costs. To accommodate these preferences, the brochure is now available

together with your survey of reimbursements in Mijn IAK.

We provide details of your health care costs, your reimbursements and the amount

of the excess that has been deducted as well. This allows you to see your exact

status whenever you want. Discover this new environment in Mijn IAK, under the

tab labelled ‘Mijn Zorgkosten’.

Find your care provider

Do you need a care provider? Evidently you want only the best possible care and

preferably nearby. But how do you find the right care provider? Take a look at

iak.nl/zorgverleners

(Dutch only) to quickly find a care provider close to you.

(4)

An overview of

your health care

insurance options

For a complete overview, including the accompanying

reimbursements, we refer you to the policy terms and

conditions. Go to

iak.nl/zorgdownloads

and log in.

1.

Select one of the 3 basic insurance packages:

2.

Optional: Select a supplementary package

3.

Optional: Select your dental care insurance

VGZ

Tand

Goed

VGZ

Tand

Beter

VGZ

Tand

Best

Dental care insurance

VGZ

Aanvullend

Goed

VGZ

Aanvullend

Beter

VGZ

Aanvullend

Best

VGZ

Jong

Pakket

Dental

care

included

VGZ

Fit & Vrij

Pakket

Dental

care

included

VGZ

Gezin

Pakket

Dental

care

included

VGZ

Vitaal

Pakket

Dental

care

included

Supplementary

health care packages

All-in-1 health care packages

Supplementary

VGZ

Tand

Goed

VGZ

Tand

Beter

VGZ

Tand

Best

Dental care insurance

VGZ

Aanvullend

Goed

VGZ

Aanvullend

Beter

VGZ

Aanvullend

Best

VGZ

Jong

Pakket

Dental

care

included

VGZ

Fit & Vrij

Pakket

Dental

care

included

VGZ

Gezin

Pakket

Dental

care

included

VGZ

Vitaal

Pakket

Dental

care

included

Supplementary

health care packages

Supplementary

All-in-1 health care packages

Choice of preselected care providers. For non-contracted care, you will receive a maximum of 75% of the average contracted rate.

IAK Goede Keuze

(Selective contracted care)

Extensive choice of care providers.

For non-contracted care, you will receive a maximum of 80% of the average contracted rate.

IAK Ruime Keuze

(Contracted care)

Free choice of any care provider.

Maximum of 100% of prevailing market rates.

IAK Eigen Keuze

(5)

Jong Pakket

Are you aged between 18 and 27 and looking for

affordable health care insurance whereby you only pay

for the care you actually need? The Jong Pakket is the ideal

health care insurance for young people and students.

Reimbursements for dental care are included.

Fit & Vrij Pakket

The Fit & Vrij Pakket is a unique supplementary health

care package. You receive a health care budget of € 1,000.00,

and you decide which health care you want reimbursed.

A straightforward total package for people aged under 50,

combining good care with optimal freedom of choice.

Gezin Pakket

The Gezin Pakket is especially designed for families.

All the reimbursements have been selected with the family

in mind, covering everything from extra maternity care

to orthodontic care. Therefore this is the ideal supplement

to the basic insurance for families.

Vitaal Pakket

As you get older, there are certain types of care you

no longer need. Why should you pay for maternity care

or orthodontic treatment? The Vitaal Pakket is an

excellent supplementary health care insurance for you

if you are 55 plus, a senior or elderly.

VGZ Aanvullend Goed

If you want to insure yourself for extra care at an

attractive premium rate, VGZ Aanvullend Goed is

a good supplement to the basic insurance. Coverage

includes a reimbursement for alternative care and a

budget for movement-related therapy.

VGZ Aanvullend Beter

VGZ Aanvullend Beter insurance offers you extensive

health care insurance at an attractive premium rate.

The maximum reimbursements and budgets are higher

than those under the VGZ Aanvullend Goed package.

Coverage includes a reimbursement for glasses and

contact lenses and a maternity package if you are pregnant.

VGZ Aanvullend Best

For maximum health care insurance security,

choose the VGZ Aanvullend Best package.

The reimbursements are higher than those under

the VGZ Aanvullend Beter package, and include

an extra budget for movement-related therapy, skin

therapy and a reimbursement for laser eye surgery.

You can extend your health care insurance by adding a supplementary insurance package.

There are three modular supplementary packages: VGZ Aanvullend Goed, VGZ Aanvullend

Beter and VGZ Aanvullend Best, with the option to add dental care Insurance. Alternatively,

you can select one of the following All-in-1 packages (including dental care insurance): Jong,

Fit & Vrij, Gezin or Vitaal. The reimbursements under these packages are carefully tailored to

suit your family situation and lifestyle.

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Statutory and other changes to the basic insurance package

Together for a perfectly insured future

Changes to excess/individual contributions/maximum reimbursements

Mandatory excess

€ 385.00 per year (was € 375.00 in 2015)

Indexed rates for individual contributions and maximum reimbursements

Every year, the government indexes the statutory individual contributions and the maximum reimbursements in basic insurance

packages. For the indexed rates for 2016, visit

iak.nl/wijzigingenzorg

(Dutch only)

Changes in reimbursements under the basic insurance package in 2016

New reimbursements under the basic insurance package

• Ambulance transport for mental health care for younger persons (legislative and regulatory amendment having retroactive effect to

1 January 2015).

• Prenatal invasive diagnosis if an NIPT (non-invasive prenatal test) shows a significant risk of a chromosome defect in the child (previously

only following a combined test).

• Medically necessary seated patient transport for intensive childcare.

Contracting

A few care providers have been selected and contracted for various treatments, operations and medical aids. These care providers offer

a particular level of quality or are involved in care innovation. This means that fewer or more care providers might be contracted for

certain types of care than in 2015. To find out more about selective contracting and to see a full list of the contracted care providers,

visit

iak.nl/zorgverleners

(Dutch only)

Reimbursement for non-contracted care

• IAK Goede Keuze: the maximum reimbursement for care by non-contracted care providers has been raised from 50% to 70% of the

average contracted rate.

• IAK Ruime Keuze: the maximum reimbursement for specialist mental health care by non-contracted care providers has been raised from

75% to 80% of the average contracted rate.

Other changes to the basic insurance package

• The regulations relating to medical aids, pharmaceutical care and personal budgets for nursing and care have changed;

see

iak.nl/zorgdownloads

• Prior approval is needed for specialist mental health care that requires admission (see the approval procedure in the conditions).

• Specialist medical care may also be provided by a sports medicine doctor if it falls within the scope of his or her area of expertise.

• To have an IUD inserted or removed, you may also visit a contracted obstetrician (this does not fall within the scope of your excess).

• The frozen embryos that remain if an IVF attempt leads to pregnancy may be replaced. If the attempt does not yield a result, a new cycle

of IVF treatment can be started, which then qualifies as the first attempt.

• A note from a general practitioner or medical specialist is needed to qualify for palliative terminal care at home.

• New care providers qualified to make referrals for specialist medical care and mental health care have been added (for a full list of these

qualified providers, see the policy conditions).

(7)

Changes to the supplementary health care packages for 2016

VGZ Tand Goed

VGZ Tand Beter

VGZ Tand Best

added:

max. €10,000 dental care costs following an accident added:max. €10,000 dental care costs following an accident added:max. €10,000 dental care costs following an accident reimbursement for periodic checkups (C11) and problem-oriented appointments (C13)

increased from 80% to 100% (no change to annual budget amount) reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount) reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount)

VGZ MiX AV

VGZ Aanvullend Goed

VGZ Aanvullend Beter

VGZ Aanvullend Best

Breast pump reimbursement

added:

reimbursement for rent or purchase of electric breast pump max. € 80 during entire policy term

added:

reimbursement for rent or purchase of electric breast pump max. € 80 during entire policy term

Circumcision

(medical indication only)

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

Cogmed and neurofeedback

added:

- neurofeedback in relation to ADHD and ADD max. € 1,000 per year up to age 18

- Cogmed in relation to learning disorders caused by ADHD and ADD max. € 400 per year up to age 18

Lens implantation

coverage extended to include reimbursement of additional costs of toric lens implant during cataract surgery

Eyelid correction

- eyelid correction now reimbursed for more indications

- added: reimbursement for levatorplasty

Psychosocial alternative care

age limit of 18 for psychosocial alternative care

no longer applies age limit of 18 for psychosocial alternative care no longer applies age limit of 18 for psychosocial alternative care no longer applies

Pressure helmet

reimbursement for treatment with pressure helmet no

longer applies reimbursement for treatment with pressure helmet no longer applies

STD prevention

Arch supports

arch supports no longer covered by budget for foot treatments, but will still be reimbursed up to max. € 70 per year if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

arch supports no longer covered by budget for foot treatments, but will still be reimbursed up to max. € 125 per year if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

arch supports no longer covered by budget for foot treatments, but will still be reimbursed up to max. € 125 per year if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

Dental care following an accident

reimbursement for crowns and bridges following an accident for insured patients aged under 22 no longer applies; a reimbursement for dental care following an accident is included under the Tand Goed, Tand Beter and Tand Best insurance options

reimbursement for crowns and bridges following an accident for insured patients aged under 22 no longer applies; a reimbursement for dental care following an accident is included under the Tand Goed, Tand Beter and Tand Best insurance options

Dental care:

increased reimbursement for

preventive dental care

Fall prevention

added:

reimbursement for fall prevention course max. € 50 during entire policy term

added:

reimbursement for fall prevention course max. € 100 during entire policy term

added:

reimbursement for fall prevention course max. € 150 during entire policy term

Replacement informal care

reimbursement increased from 4 to 5 days reimbursement increased from 9 to 10 days reimbursement increased from 14 to 15 days

Transport

reimbursement per km for private transport relating

to organ transplantation lowered from € 0.31 to € 0.30 reimbursement per km for private transport relating to organ transplantation lowered from € 0.31 to € 0.30 reimbursement per km for private transport relating to organ transplantation lowered from € 0.31 to € 0.30

Maternity courses

maternity courses no longer covered by preventive

care budget added:budget for maternity courses (was covered by preventive care budget) max. € 50 per year for courses such as Zwanger Fit, Samen Bevallen and Slimmer Zwanger

added:

budget for maternity courses (was covered by preventive care budget) max. € 75 per year for c ourses such as Zwanger Fit, Samen Bevallen and Slimmer Zwanger

added:

budget for maternity courses (was covered by preventive care budget) max. € 100 per year for courses such as Zwanger Fit, Samen Bevallen and Slimmer Zwanger

(8)

Changes to the supplementary All-in-1 health care packages for 2016

VGZ Jong Pakket

VGZ Gezin Pakket

VGZ Vitaal Pakket

VGZ Fit & Vrij Pakket

Breast pump reimbursement

added:

reimbursement for rent or purchase of electric breast pump max. € 80 during entire policy term

Circumcision

(medical indication only)

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

circumcision (medical indication only) may now be carried out by all general practitioner and other doctors included in the BIG register

Cogmed and neurofeedback

added:

- neurofeedback in relation to ADHD and ADD max. € 1,000 per year up to age 18

- Cogmed in relation to learning disorders caused by ADHD and ADD max. € 400 per year up to age 18

Lens implantation

coverage extended to include reimbursement of additional costs of toric lens implant during cataract surgery

Eyelid correction

- eyelid correction now reimbursed for more indications

- added: reimbursement for levatorplasty

Psychosocial alternative care

age limit of 18 for psychosocial alternative care

no longer applies age limit of 18 for psychosocial alternative care no longer applies age limit of 18 for psychosocial alternative care no longer applies age limit of 18 for psychosocial alternative care no longer applies

Pressure helmet

reimbursement for treatment with pressure helmet no longer applies

STD prevention

reimbursement for preventive STD examination no longer applies

Arch supports

arch supports no longer covered by budget for foot treatments, but will still be reimbursed up to max. € 70 per year if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

arch supports no longer covered by budget for foot treatments, but will still be reimbursed up to max. € 125 per year if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

arch supports will only be reimbursed if manufactured by a podotherapist or orthopaedic shoemaker/shoemaking business

Dental care following an accident

Dental care:

increased reimbursement for

preventive dental care

reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount)

reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount)

reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount)

reimbursement for periodic checkups (C11) and problem-oriented appointments (C13) increased from 80% to 100% (no change to annual budget amount)

Fall prevention

added:

reimbursement for fall prevention course max. € 100 during entire policy term

Replacement informal care

reimbursement increased from 9 to 10 days reimbursement increased from 9 to 10 days

Transport

reimbursement per km for private transport relating

to organ transplantation lowered from € 0.31 to € 0.30 reimbursement per km for private transport relating to organ transplantation lowered from € 0.31 to € 0.30 reimbursement per km for private transport relating to organ transplantation lowered from € 0.31 to € 0.30 reimbursement per km for private transport relating to organ transplantation lowered from € 0.31 to € 0.30

Maternity courses

maternity courses no longer included covered by

preventive care budget added:budget for maternity courses (was covered by preventive care budget) max. € 150 per year for courses such as Zwanger Fit, Samen Bevallen and Slimmer Zwanger

Please note: this is an abridged version of the changes to reimbursements for 2016. No rights (including rights to reimbursement) may be derived from the content of this summary of changes. For precise, up-to-date details of the reimbursements, log on to iak.nl/mijniak and consult the insurance terms and conditions.

Go to iak.nl/mijniak

and log in for the complete survey of

(9)

New: video clips

Why try to describe a complicated issue in hundreds of words if we can explain

it more clearly in a short video clip? We now also provide visual answers to FAQs

about your health care insurance. For example, one of our people at IAK will

show you how to submit your claims online, or explain the difference between

an individual contribution and an excess. These and other short video clips are

available on our website.

(10)

New: 2-in-1 health

insurance card

You currently have an IAK Health Insurance Card. The EHIC (European Health

Insurance Card) is a card for care outside of the Netherlands but within Europe.

From now onwards, the two cards will be combined.

On the card you will see an SOS telephone number. This is the emergency number

for the international alarm centre. Call this number if you need emergency medical

assistance abroad. If you already have an EHIC or recently applied for one, you will

receive the new combicard automatically.

(11)

Together for a perfectly insured future

Digital convenience

We are working to create a sustainable future. By minimising the amount of paperwork

that we send by post, we are cutting back on our printed matter and helping the

environment.

Will you join us?

To help us, go to

iak.nl/mijniak

under the tab labelled ‘Correspondentie Zorg’,

and in your ‘Correspondentieprofiel’ change your settings to receive correspondence

from IAK by e-mail from now on.

(12)

Together for a perfectly insured future

w

eb ZV

-PB

VGZ ENG (01-2016)

The content of this brochure has been compiled with the greatest possible care, and is provided for your information. Please be aware, however, that no rights (including rights to reimbursement) may be derived from the content of this brochure. For precise, up-to-date reimbursement details, always log on to iak.nl/zorgdownloads and consult the insurance terms and conditions, or contact Customer Service.

We are here for you

Visit iak.nl

For more information.

Call (040) 261 18 88

Our customer service staff are available to assist you.

Make an appointment with our adviser

Our advisers regularly hold walk-in consulting

sessions at many business locations.

Visit one of our service desks

At Beukenlaan 70 or at the High Tech Campus in

Eindhoven.

Postbus 90165, 5600 RV Eindhoven

Beukenlaan 70, Eindhoven

T (040) 261 19 11, F (040) 261 12 05

www.iak.nl

IAK Verzekeringen B.V. Chamber of Commerce: 17086794

IAK Volmacht B.V. Chamber of Commerce: 55688616

AFM licence number: 12007720

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