According to the Health Insurance Decree BES, Section 10 Subsection 4, you can select your own healthcare provider. Do you want to select your own healthcare provider? Then you must first request consent from ZJCN. 

How does it work? 

If you want to see a healthcare provider other than the one referred to you by your GP or specialist, you must submit a request. This must be done prior to the treatment. Requests afterwards are not considered. 

Approval or rejection 

ZJCN can approve or reject the request. If there are sufficient other healthcare providers available with a contract and good quality, ZJCN can reject your request. So make sure you have consent before starting the treatment. 

Payment and reimbursement 

You advance the expenses yourself. You then send the invoice to ZJCN. ZJCN checks the invoice and reimburses a part of or the full amount. ZJCN does not pay directly to the healthcare provider. 

What is required for a request? 

  • A referral letter from your GP or specialist. 
  • A quote from the healthcare provider, with a description of the treatment and the costs. 
  • A declaration of agreement signed by you. 

Please note: Incomplete requests are not processed. 

Legal rules 

The rules are laid down in the Health Insurance Decree BES. In principle, you go to the healthcare provider selected by ZJCN. You can only switch to another healthcare provider with prior consent. 

The detailed regulations concerning the free choice of a healthcare provider are laid down in the Health Insurance Decree BES, Section 10 Subsection 4. The conditions and reimbursement schemes are described in the Health Insurance Entitlements Regulations BES.

How does the reimbursement work? 

  • You first pay the health expenses yourself. 
  • You can then claim the expenses with ZJCN. 
  • The reimbursement is equal to the maximum usual rate for this healthcare on your BES island. If that rate is not available, a suitable rate within the Dutch market is considered. 
  • Please note: no guarantee letter is issued, no advance payment is made, and you are not entitled to daily reimbursement. 

You submit your expenses in one go, bundling all invoices together, in accordance with the procedure. You can submit your claim with this form.