PNOzorg
An insurer that has been in the business for some time is PNOzorg. You can go to this insurer for about 60 years now for health insurance. The insurer still presents itself as a specialist in health insurance for people working in the creative and media industries. However, a much wider public already takes out the insurance. PNOzorg works together with health insurer ONVZ. This insurer is a risk bearer for the health insurance policies of PNOzorg.
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Advantages PNOzorg for students
- Free choice of care: choose your own care provider without any restrictions;
- Wide choice of various additional packages with extensive coverage;
- Handy PNO Zorg declaration app with fast payment of your claims;
- Personal advice and support via the PNO ZorgConsulent.
Disadvantages of PNOzorg for students
- Not the cheapest, you pay a slightly higher premium.
Basic package PNOzorg 2022
With PNOzorg, you can take out one type of basic insurance: a reimbursement policy. This means that you can choose your healthcare providers without any restrictions. The Dutch government determines the content and coverage of basic insurance. In the basic package, you are reimbursed for basic care such as general practitioner care, hospital stay and transport or medication reimbursement. You can choose to increase the deductible of your basic insurance to a maximum of €885. As a result, you pay a lower premium, but you bear a higher risk if a high health care bill falls on your doormat.
| Health insurance | Mandatory deductible: €385 | Max. additional deductible: €885 |
|---|---|---|
| Premium PNOzorg Basis | € 134,50 | € 114,50 |
Additional PNOzorg packages
In addition to the basic PNOzorg package, you can choose from no fewer than five additional packages. The Start package already offers extensive basic cover, with reimbursement for 9 physiotherapy treatments, additional medical cover abroad and vaccinations. Depending on your care needs, you can also opt for one of the broader packages. In the most comprehensive package, Complete, you get high reimbursements for, among other things, contraception, alternative medicine, glasses & lenses and physiotherapy.
Additional dental insurance
The basic insurance only offers reimbursement for certain special dental procedures. If you are looking for reimbursement for common dental costs, you are dependent on one of the five additional dental insurance policies of PNOzorg: Tandplus Preventief, Tandplus A, Tandplus B, Tandplus C or Tandplus D. You will find detailed information about the extent to which these packages reimburse your dental costs.
Additional services PNOzorg
At PNOzorg, you can be assigned a personal care consultation. This personal care consultation is aware of your personal situation, offers guidance in the care process that awaits you and helps you clarify pressing questions. In addition, PNOzorg offers several extra online services, for example, via MijnPNO and the handy declaration app. You submit your claim at the push of a button (by uploading a photo of the care bill). The declaration is then processed quickly.
Discounts PNOzorg
PNOzorg offers all its customers, whether they are members of a certain group or not, a group discount on the additional health insurance. If you are a group member, you can receive a maximum of 5% group discount on the basic insurance. You also get a 7% discount on the supplementary insurance policies without group insurance.
| Year | Restitutie |
|---|---|
| 2022 | €134.50 |
| 2021 | €134.50 |
| 2020 | €133.00 |
| 2019 | €129.98 |
| 2018 | € 112.24 |
| 2017 | €109.94 |
| 2016 | €101.15 |
| 2015 | €96.60 |
| 2014 | €91.54 |
| 2013 | €100.74 |
| 2012 | €109.50 |
| 2011 | €107.00 |
Contact details PNOzorg
| Website Contact Form | |
| Post | PO Box 458, 3990 GG Houten |
| Facebook.com/PNOzorg.nl/ | |
| @pnozorg |
Sustainability of PNOzorg
What about the sustainability of health insurer PNOzorg? The VBDO (Association of Investors for Sustainable Development) has published an interesting benchmark study on this. In the survey ‘Responsible Investment by Insurance Companies in the Netherlands 2019’, PNOzorg scores a 2.0 on a scale of 1 to 5. The survey includes policies relating to the environment, people and governance of the company.
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