What reimbursement will you receive?

The ZEM Polis offers full (100%) reimbursement of all the costs incurred, provided you see a contracted GP. General practitioner care is not subject to your excess.

However, if your GP orders blood, urine or stool laboratory tests or X-rays, those costs do count towards your excess.

Which GP costs qualify for reimbursement?

Under basic healthcare insurance, you qualify for reimbursement of:

• consultations and treatment by a GP

• care provided by a medical practice assistant (POH), such as mental POH healthcare

• the quarterly costs of your registration with the GP

What is not reimbursed?

• flu jabs other than for persons in risk categories

• medical examinations

• a second opinion from a different GP

• a hand-written or printed doctor's certificate

• several consumables (including syringes, needles, band-aids)

• a smear (at your own request)

• a pregnancy test without medical necessity

You are able to go to a contracted GP

Find a contracted GP

• You go to a non-contacted care provider

  • The registration fee and a visit to a non-contracted GP qualify for 100% reimbursement.

  • For other procedures you will receive up to 75% of the prevailing Dutch market rate.