What reimbursement will you receive?

The ZEM Polis offers full (100%) reimbursement in accordance with our preference policy. The reimbursement applies if you see a contracted GP.

Excess

• The costs of a preferred medicine are not subject to your excess.

• However, the costs of medicines with an active ingredient other than the preferred medicines do count towards your excess.

• So do the costs of the pharmacy's services.

In a number of situations you are required to pay a statutory personal contribution. In 2024, the maximum contribution is €250. Consult your pharmacy for information about the amount of your personal contribution.

Which medicines qualify for reimbursement?

Under basic healthcare insurance, you qualify for reimbursement of:

• medicines included in the list of preferred medicines;

• medicines with a different active ingredient than the medicines in the list of preferred medicines;

• the pharmacy's services (dispensing).

Read more about our preference policy.

You will need a prescription

Take the prescription from your GP, medical specialist, dentist or obstetrician to the pharmacy.

You are able to go to a contacted pharmacy

Find a contracted pharmacy

• You go to a non-contacted care provider

  You qualify for a 75% reimbursement under the preference policy.

   Excess

  • The costs of a preferred medicine are not subject to your excess.

  • However, the costs of medicines with a different active ingredient than the preferred medicines do count towards your excess.

  • So do the costs of the pharmacy's services.

  Personal contribution 

  In a number of situations you are required to pay a statutory personal contribution. In 2021, the maximum contribution was €250. Consult your pharmacy for information about the amount of your personal contribution.