Did you opt for a long-term private health plan? If so, you benefit from 2 different cashback systems!
1. The monthly bonus
At the end of each month, the bonus is transferred to your bank account. This is part of the insurance coverage, so you don't need to fulfill any requirements to get the bonuses. You are supposed to use the bonus to cover your medical bills.
The great news is that you get to keep the rest of the bonus to yourself, if you don't submit any or as many claims. Check out below how much you get each month!
Insurance plan | Monthly bonus | Comments |
Standard plan | €100 for adults €50 for children | Preventative treatments don't affect the bonus |
Plus plan | €100 for adults €50 for children | Preventative treatments don't affect the bonus |
Premium plan | €100 for adults €50 for children | Preventative treatments don't affect the bonus |
Standard plan | €30 |
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Premium plan | €60 |
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Still wondering how it works? Check out our examples!
Still wondering how it works? Check out our examples!
You get a €100 monthly bonus under the standard plan. Calculated over the entire year, you get €1200 in bonus payments. In January, you've got knee pain.
Example 1: €600 bill
The bill will be covered by monthly bonuses you receive throughout the year. Therefore, you won't receive an additional payout from your insurance.
This is your only medical bill this year, so you get to keep the leftover €600 to yourself.
Example 2: €1500 bill
You cover €1200 through the bonuses. As the bill exceeds your yearly bonus, you receive an additional €300 reimbursement.
You've now used up this year's bonus, so all future claims will be fully covered as foreseen by your insurance plan.
2. The yearly cashback
You get an additional one-time bonus, if...
You didn't submit any claims for a full calendar year
You were covered with our private health insurance for all 12 months of that year
And you're still covered by the time the cashback is paid out. This is between May and June of the following year.
Do all treatments affect the cashback?
There are exceptions for the standard plan purchased after March 2023, and the premium plan purchased after November 2022. Under these plans, preventative treatments like health check-ups at the GP or dental cleanings don't affect your cashback. So, if you only submit bills for preventive check-ups, you're still eligible for the bonus.
How much cashback do you get?
You're covered by a non-profit insurance provider. This means that the provider has to pay back any profits they make directly to the insurance community!
The cashback is based on your monthly insurance premium and the profits the insurance provider made that year. Usually, you get 1 monthly premium back. If you're eligible for the bonus 5 years in a row, the cashback increases each time.
If you haven't already, don’t forget to check out our guide on understanding your bill statements—it’s a great resource to help clarify any details!