Some plans include two types of cashback: a no-claim bonus and a guaranteed cashback. The no-claim bonus is a fixed amount you get for staying claim-free for a year, with the exact amount depending on your plan. The guaranteed cashback, on the other hand, is a fixed amount paid into your bank account every month to help cover medical bills. Since these two work together, understanding how they interact can help you get the most out of your plan.
What is the no-claim bonus?
If you don't submit any claims between January and December, you'll receive a fixed bonus amount depending on your plan. If you do submit claims other than preventive examinations, but the total stays below your guaranteed cashback or deductible by the end of the year, you're also still eligible. Stay claim-free for several years in a row and the amount grows.
You're eligible if you:
Are enrolled in a long-term plan
Stay claim-free for the full calendar year
Are insured for all 12 months
Are still covered when it's paid out (usually between June and July the following year)
This bonus depends on your plan. For example, on a plan with a €0 deductible, you receive €300 in your first year of no claims. This increases by €100 per year, up to €800 from year 6 onwards.
Should I submit my bills or protect my no-claim bonus?
Before submitting anything, check your coverage overview. Preventive examinations listed in your coverage details don't affect the bonus. For everything else, check whether your bills are likely to stay within your cashback balance.
You can also wait until the end of the year to compare: keep the no-claim bonus, or submit bills for reimbursement? Bills can be submitted up to 2 years after treatment, so there's no rush.
Good to know: Using your guaranteed cashback to cover bills doesn't count as making a claim. Your no-claim bonus is only at risk if your bills exceed your cashback balance and the remainder is paid out in cash.
What is the guaranteed cashback?
Every month, a fixed amount lands in your bank account. Think of it as prepaid credit for your medical bills. When you submit a claim, it comes out of that balance first. Anything left over at the end of the year is yours to keep.
It's not the same as a deductible. A deductible is the amount you pay before your coverage kicks in, and you don't get it back. Your guaranteed cashback is money you actually receive.
How much do I get?
Check your account for the exact amount. One thing to note: you only receive the guaranteed monthly cashback if you pay by direct debit. Manual payments don't qualify.
Example
You're on a plan with €100 monthly cashback (€1,200 per year). In March, you get a €2,000 bill. The first €1,200 comes out of your cashback balance, and the remaining €800 is covered by your plan. For the rest of the year, any further bills are fully covered.