Aon Healthcare Insurance

Zorgverzekeringen van Aon met risicodrager Zilveren Kruis

With Aon, you (and your family members, where applicable) benefit healthcare insurance with the attractive reductions and generous policy terms and conditions that we have negotiated for your company. Your wishes are central to the service we provide.

voordeelPersonal advice
voordeelCollective discount
voordeelExcellent health services

Group health insurance contract with benefits for you

Your employer has entered into a group health insurance contract with Aon on your behalf. Aon is a reliable healthcare insurance provider and an authorised agent of Zilveren Kruis.

The benefits to you are as follows:

  • High group discount
  • Healthcare invoices submitted in less than 1 minute via our website
  • Powered by Zilveren Kruis: good, reliable healthcare insurance

The Dutch Ministry of Health, Welfare and Sport stipulates that if you work in the Netherlands -and you are subject of the Dutch Social Security system-, you are legally obliged to take out a basic health insurance package.

Nike’s Contribution to your insurance

If you join one of the two group schemes, Nike will make an employer’s contribution to the premium, through your monthly salary. You will receive this employer’s contribution of € 17.50 (gross) per month not only for yourself but also for your co-insured partner and premium-paying children, if applicable.

Please note that the above employer’s contribution only applies if you opt for the Vitaal 2, Vitaal 3 or Vitaal 4 supplementary package (Aon Healthcare insurance) or the ‘Top Collectief’ supplementary package (CZ scheme).

Adviseur Justin van Rooy

Your personal advisor

Would you like to have personal advice about your healthcare insurance options? Aon Advisor Justin van Rooy is ready to answer all your questions.

Justin van Rooy
Insurance Advisor
Private Non-life and Healthcare insurances

Bel onze adviseurs particuliere schadeproducten   (06) 250 860 51
E-mail onze adviseurs particuliere schadeproducten   justin.van.rooy@aon.nl

A conscious choice

Care in the Netherlands is good, but the quality does vary. That's why healthcare insurers are setting even higher standards for care providers, healthcare costs, quality and patient-friendliness. Only those care providers who meet the standards set are contracted.

The basic insurance you choose determines the care providers you can use. If you use a care provider who is not contracted, you may have to pay some or all of the costs of the care you choose or have already received.

Meest gekozen
Selectief

Selective contracted care

You can go to a select number of care providers. You pay for some or all of non-contracted care yourself.

  • Lowest premium
  • 100% reimbursement for a limited number of selected hospitals and for all contracted care providers
  • For emergency care you can go to any hospital in the Netherlands
  • Care provider not contracted? Reimbursement of 75% of the average contracted rate
Mostly chosen
Natura

Contracted care

You can choose from a wide range of care providers in the Netherlands for all your care needs, making it less likely that you will need to pay for the care (or part of it) yourself.

  • Good price/quality
  • Wide choice of contracted care providers
  • 100% reimbursement for all contracted care providers
  • For emergency care you can go to any hospital in the Netherlands
  • Care provider not contracted? Reimbursement of 75% of the average contracted rate
Meest gekozen
Restitutie

Non-contracted care

You are free to choose any care provider; reimbursements based on prevailing market prices.

  • Higher premium
  • Free choice of healthcare provider
  • Always to your own doctor
  • For emergency care you can go to any hospital in the Netherlands
  • 100% reimbursement of the market or statutory rate

What is the basic insurance?

In the Netherlands, basic insurance is compulsory for insured persons aged 18 and over. Children under 18 must also be insured, but do not have to pay a premium. The government determines the reimbursements that are included in the basic insurance. This is the same for every insurance provider, and everyone is accepted. With a basic insurance, you are covered by the insurance for basic care such as a visit to the general practitioner and the hospital, emergency care and medication.
There are three types of basic insurance:

Basis Exclusief (Restitutie)

This non-contracted care policy allows you to freely choose the care provider you want to use. You will receive a reimbursement up to a maximum of the costs that would be generally accepted in the Netherlands. In that case, the premium is higher than with the Natura insurance (in-kind insurance).

Basis Zeker (Natura)

This in-kind insurance enables you to see contracted care providers. You will be fully reimbursed and are assured of good care. For some care elements, you will be paying your excess and/or patient contribution. Are you visiting a non-contracted care provider? In that case, you might be charged for part of that care.

Basis Budget (selectief)

The in-kind selective contracted care insurance allows you to choose from a selected number of contracted care providers. If the care provider is a non-contracted care provider, you will be reimbursed up to a maximum of 75% of the costs that would be generally accepted in the Netherlands.

Contracted care providers

Avoid unpleasant financial surprises by going to Zilveren Kruis zorgzoeker (Dutch only) to check whether your care provider is contracted.
If you are not sure that the care provider you wish to consult is contracted, please call our customer service at +31 (0) 88 810 18 03.

Find healthcare provider

Supplementary insurance packages

Healthcare should be there for every moment. Whether you want nutritional advice, are about to have an operation, or need care for a long time. We believe that it is important to stay fit and healthy. That is why Nike’s collective insurance is not only for moments of necessary care, but at all times. So that you can get the right care at the right moment.

The additional package Vitaal+ has extensive reimbursements for prevention and vitality. In addition to reimbursements for extra physiotharpy treatments, Vitaal+ also offers you a generous prevention budget, which can include dietary advice, preventive blood or diabetes tests, menopause consultations and flu shots.

Plenty of choice

On November the 12th we sent you your new policy for 2022. Please check your supplementary insurance carefully to see whether it sufficiently still meets your circumstances and healthcare needs. If it doesn’t, you can change your additional package up to and including 31 January 2022.

Would you like to change your additional package?

You can choose from Basis Vitaal or Vitaal 1+, 2+, 3+ or Vitaal Premium+, with Vitaal Premium+ having the most extensive reimbursements. Basis Vitaal is an introductory package. If you do not expect healthcare costs but want to be insured against the most important risks, this is a good option. Basis Vitaal offers reimbursement for:

  • urgent care abroad
  • dental accidents
  • physiotherapeutic aftercare
  • repatriation
  • second opinion by Royal Doctors

Supplementary insurance packages

Below we give you an overview of the most important reimbursements included in Vitaal 1+, 2+, 3+ and Premium+. A complete list of all reimbursements can be found under ‘Downloads’ on this page.

Dental insurance

Please check the reimbursement list to see if your new dental care package sufficiently meets your circumstances and healthcare needs. If it does not, you can change your dental care package up to and including 31 January 2022. Would you like to change your additional package? You can choose from Tand 1, 2, 3 or 4. An overview of all reimbursements can be found under ‘Downloads’.

Personal advice

Choosing healthcare insurance is often quite complex. Have you already selected your healthcare insurance for 2022?

We recommend that you consider the excellent deals your employer has arranged with Aon. Deals that will allow you and your family to benefit from the biggest health insurance companies in the Netherlands.

Would you like personal advice?
Fill in this call me back form and one of our personal advisors will call you. Or please call +31 (0)88 810 81 03.

Call me back

Questions & Answers