Zorgverzekering.chat: Dutch health insurance

Calculates the expected total annual costs for a household scenario: basic and supplementary premiums, collective discount (collectiviteitskorting, supplementary only), expected deductible (eigen risico), statutory co-payments (eigen bijdragen) and care costs that are not reimbursed, per person and in total, with all assumptions (aannames) and warnings such as provisional premiums. Input is a Scenario: insurance year, 1 to 8 persons with year of birth, chosen policy ids, voluntary deductible and, only if the user volunteers it, planned care per taxonomy category with counts (verwachtGebruik, optional). Do not ask about health; never put diagnoses, medicines or free text in the scenario; get_intake_schema lists the questions and allowed categories. Children under 18 pay no basic premium and no deductible. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Checks per basic policy whether a care provider (zorgaanbieder, by AGB code) has a contract with the insurer (gecontracteerd) for a care type (zorgsoort), and which percentage of the costs is reimbursed without a contract. Each result states its origin (herkomst: insurer publication, the insurer's provider search (zorgzoeker), or cache) and the date it was retrieved. If herkomst is null the dataset has no contract information for that policy (status onbekend); calling again does not change that. Contracts can change during the year, so suggest the user confirms with the insurer. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Returns a short passage (at most 500 characters, in Dutch) from an official source document (bron), such as an insurer's policy conditions (modelovereenkomst), coverage overview (vergoedingenwijzer), premium overview or a government publication, with its URL, version and date. Use a bronId and anchor (page or section) from the bronnen of another tool response to quote and cite the exact wording. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Returns the ordered intake questionnaire for building a Scenario for bereken_jaarkosten: insurance year, persons with year of birth, optional planned care as categories and counts (only if the user offers it; no diagnoses), care providers to keep, preference for choice of providers, voluntary deductible (vrijwillig eigen risico), collective contract (collectiviteit), payment term and current policy. Each question lists its allowed values and the Scenario field it maps to. Ask only what is needed, in this order. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Returns the full record of one basic policy (basisverzekering) or one supplementary or dental package (aanvullende verzekering, tandartsverzekering): premiums per deductible level or age band, reimbursement of non-contracted care, coverage per taxonomy category (dekkingen: maximum amount, percentage, number of treatments, period; a line with variant true is an extra line under its category, with the insurer's own name in rubriek, and does not count in calculations or comparisons), waiting period (wachttijd), acceptance rules (acceptatie), gesloten (true: package no longer available to new customers; existing policyholders keep it), a summary in the requested language and a source id per field that get_bron can quote. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Returns the statutory Dutch health insurance parameters (wettelijke parameters) for an insurance year: the mandatory deductible (verplicht eigen risico), the voluntary deductible options (vrijwillig eigen risico), care exempt from the deductible, the healthcare allowance (zorgtoeslag) maximums and income and asset limits, statutory co-payments (eigen bijdragen), the premium publication date and the switching deadline (overstapdeadline). status 'voorlopig' means provisional until parliament has voted. Use this tool instead of your own knowledge for any of these amounts. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Lists all Dutch health insurers (verzekeraars) for an insurance year with their insurer group (concern), the policy types they offer (natura, restitutie, combinatie, budget), the number of basic policies and supplementary packages, and customer ratings with their source. Use it to resolve an insurer name to a verzekeraarId for the other tools. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Shows what changed in a policy between two insurance years (jaargangen), for example 2026 and 2027: premium, coverage per category, reimbursement of non-contracted care and conditions. Useful in the switching season (overstapseizoen) to explain why a policy became more expensive or lost coverage. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Compares 2 to 4 policies of the same insurance year and returns only the differences, grouped by aspect: premium (premie), choice of care providers (zorgkeuze), coverage per category (dekking), acceptance rules (acceptatie), waiting period (wachttijd), policy type and conditions (voorwaarden). Works for basic policies or for supplementary packages. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Finds Dutch supplementary health insurance and dental packages (aanvullende verzekering, tandartsverzekering) that meet all coverage requirements (eisen), for example at least 12 physiotherapy sessions (categorie 'fysio', minAantal 12) or at least 500 euros for dental treatment ('tand_behandeling', minBedragCent 50000). Returns the premium at the given age, acceptance rules (acceptatie: medical questionnaire or age limit), waiting period (wachttijd), whether children are insured for free, and the matching coverage lines (requirements are checked on main lines only; extra lines have variant true). Packages no longer available to new customers (gesloten) are left out. Use taxonomy category codes only; never pass diagnoses or medicines. Paginated with limit and cursor. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Searches Dutch basic health insurance policies (basisverzekering) for an insurance year. Returns per policy the premium per month and per year at the chosen voluntary deductible (vrijwillig eigen risico), the policy type, freedom of choice of care providers (zorgkeuze, based on reimbursement of non-contracted care, niet-gecontracteerde zorg), customer rating, a link to the policy page (detailUrl; afsluitUrl is only filled over the REST API) and source ids. Filter by policy type, insurer, minimum reimbursement for non-contracted care and care type (zorgsoort); sort by premie, zorgkeuze or rating and always tell the user the sort key (meta.sorteersleutel). The insured care itself is the same in every basic policy by law; policies differ in premium and choice of providers. Paginated with limit and cursor. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Searches Dutch care providers (zorgaanbieders), such as hospitals, clinics and physiotherapists, in the national AGB register by name, city (plaats), postcode or care type (zorgsoort). Returns the AGB code, address and, when a postcode is given, the distance. Provide at least one of naam, plaats or postcode, then pass the AGB code to check_zorgaanbieder. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.