Claiming healthcare costs
If you are insured with ZJCN, you generally do not need to pay anything to local contracted healthcare providers such as your GP, local hospital or pharmacy. However, you must always carry your sedula and your healthcare card with you.
You must pay or advance any medical expenses incurred abroad yourself. Only expenses for emergency healthcare that cannot be postponed until your return to your place of residence are reimbursed by ZJCN. Please contact ZJCN as soon as possible if you seek medical assistance. You can claim reimbursement for any expenses you incurred using the claim form.
Step 1: Download the claim form and complete it.
Step 2: Scan the receipts that pertain to the claim form.
Step 3: Email the claim form with the appendices to declaratiesvz@zorgverzekeringskantoor.nl.
Claiming medical costs
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Welcome home!
Have you incurred medical costs abroad?
Which medical costs will ZJCN reimburse?
- emergency assistance; accident, acute life-threatening condition, hospital admissions,- provided ZJCN is contacted.
Or:
- medical costs related to Article 10, paragraph 4, based on a referral by your doctor and only after ZJCN’s prior permission;
When can I claim?
Best is: as soon as possible.
- Take note!: invoices older than 12 months will not be processed.
- ZJCN assesses your claim and makes the payment to you. You pay the medical bills yourself.
- With ZJCN approval, Article 10, paragraph 4, medical costs are reimbursed afterwards only, so you must pay your chosen care provider yourself.
- The sooner you submit a claim, the sooner we can respond.
Which documents do I need?
Each claim must include the following documents:
- a fully filled in and signed claims form;
- an explanation in your own words;
- guarantee letters, or the reason why you don’t have them;
- in the event of illness abroad: a medical statement from the foreign doctor and proof of contact with ZJCN;
- the original medical bills;
- Additionally, with Article 10, paragraph 4, the original payment receipts and the letter of referral from the doctor or GP.
What are the criteria for medical claims?
- you were registered with the healthcare office (ZJCN) when the costs were incurred;
- in the event of illness, an accident or a hospital admission abroad, you did contact ZJCN and submit proof of this with your claim;
- separate claims are required for each family member;
- Incomplete or unsigned claim forms will not be processed.
- For Article 10, paragraph 4: medical costs are only reimbursed if ZJCN gave prior permission.
What other things do I have to bear in mind?
Review your details!
Are your name, address, telephone number and bank account number correct? This is important for money transfer and contact by ZJCN about your claim.
Make an appointment with your healthcare office to submit your claim.
Your processed bills and receipts will be returned to you right away.