IAK Supplementary Health Care Insurances - IAK Verzekeringen

IAK Supplementary Health Care Insurances - IAK Verzekeringen IAK Supplementary Health Care Insurances - IAK Verzekeringen

19.02.2013 Views

16 Cover II Jong Extent of the cover Reimbursement will be provided for the following costs of care or services insofar as there is no entitlement (or no longer any entitlement) to such reimbursement under the IAK Zorgverzekering based on the Zvw (Health Care Insurance Act) or pursuant to one or more of the supplementary insurances described in these policy conditions that have been entered into supplementary to the IAK Zorgverzekering (main insurance). 1 Alternative and special medicine 1.1 1.2 1.3 1.4 Reimbursement of the cost of alternative treatments and consultations that fall under the following categories: a. acupuncture and other traditional Eastern medicines; b. anthroposophy; c. homeopathy; d. natural remedies; e. psychosocial care. • The forms of care named under a to d (above) must be provided by a doctor listed in the register referred to in the Wet BIG (Individual Health Care Professions Act) or a care provider contracted by the health care insurer; • The care named under e (above) must be provided by a care provider contracted by the health care insurer. You can find a list of contracted care providers on our website. Alternatively, you can call us and ask for a list. For more information, see article 2.4 of ‘General conditions’ in these insurance terms and conditions. Reimbursement of the costs of treatments and consultations provided by: • a podotherapist who is a member of the NVvP (Dutch Association of Podotherapists), with the exception of the costs of the aids made for treatment, including arch supports, unless these are insured under a different category; • a haptotherapist who is a member of the VVH (Association of Haptotherapists); • a craniosacral therapist whose name appears on the RCN (Dutch Craniosacral Therapy Register). Reimbursement of the costs of medicines classified as homeopathic and/or anthroposophical medicines under the Geneesmiddelenwet (Dutch Medicines Act) and that are prescribed by a physician, medical specialist, dental surgeon, dentist or obstetrician and supplied by a pharmacy or dispensing general practitioner. Reimbursement of the costs of the care named in this article is subject to a total maximum of € 200.00 per insured person per policy year. A maximum of € 75.00 per insured person per day will be reimbursed for the costs of consultations and/or treatments provided by the above-named physicians and/or therapists, subject to said consultations and/or treatments being standard within this occupational group. 2 Abroad 2.1 2.2 2.3 2.4 Urgent care during holiday or temporary stay Reimbursement of the costs of emergency medical care relating to an unforeseen illness that has arisen during the first 12 months of a stay in a foreign country on holiday, on a work-related trip or for study, up to a maximum of 200% of the costs that would have been reimbursed for equivalent treatment in the Netherlands. Entitlement to reimbursement exists exclusively subject to the maximum reimbursement payable under the policy and provided that there is an entitlement to care under the IAK Health Care Insurance. In such cases, the reimbursement granted will be of a supplementary nature. Urgent care/Alarm centre In the event of acute hospitalisation abroad, immediate contact must be made with the health care insurer or with the alarm centre of the Dutch emergency organisation SOS International. SOS International is available day and night, also at weekends, on +31 (0)20 651 51 51. Transport Reimbursement of the costs of medically necessary patient transport to the nearest hospital by ambulance or taxi. Repatriation Reimbursement of the costs of repatriation of patients or injured persons by ambulance and/or airplane, including the costs charged for accompaniment in cases where this is medically necessary. Intended repatriation must be reported in advance to the health care insurer or the SOS International alarm centre so that the degree of medical necessity can be assessed.

3 Pharmaceutical care 3.1 Contraceptives Reimbursement of the costs of contraceptives that may be provided under the Regeling Zorgverzekering (Health Care Insurance Regulations), such as the contraceptive pill, a contraceptive implant, IUD, ring or pessary, prescribed by a general practitioner or medical specialist and supplied by a pharmacy or dispensing general practitioner to insured persons aged 21 and above, for the first prescription for a new contraceptive pill/device, up to a maximum of the amount laid down in the Regeling Zorgverzekering and the GVS (Medicines Reimbursement System). The cost of the placement and removal of a contraceptive device such as an IUD will be reimbursed under the health care insurance irrespective of your age. If you are under 21 years of age, you are entitled under the health care insurance to the reimbursement of contraceptives such as the contraceptive pill, a contraceptive implant, IUD, ring or pessary. a. Medication to help you stop smoking Reimbursement of the cost of medication (nicotine replacement products and prescription-only remedies) used in support of behavioural therapy in the context of a ‘stop smoking’ programme, up to a maximum of € 115.00 for the entire term of the insurance. 4 Physiotherapy and remedial therapy Reimbursement of the costs of care such as is usually provided by physiotherapists and remedial therapists from a child physiotherapist, manual therapist or Cesar/Mensendieck remedial therapist, oedema therapist, psychosomatic therapist or pelvic floor physiotherapist, exclusively if and insofar as there is no entitlement (or no longer any entitlement) to such reimbursement under the IAK Health Care Insurance or one or more of the supplementary insurances described in these policy conditions. Reimbursement will take place up to a maximum of € 250 per insured person per policy year. In the case of treatment of chronic conditions as defined in Appendix 1 of the Besluit zorgverzekering (Health Care Insurance Decree), the invoice must be accompanied by a certificate from the attending practitioner showing the indication. It must be evident from the indication that the treatment is medically indicated. Oedema therapy may also be provided by a skin therapist. You can find a list of care providers contracted by the health care insurer on our website. Alternatively, you can call us and ask for a list. For more information, see article 2.4 of ‘General conditions’ in these insurance terms and conditions. The costs of the following will not be reimbursed: antenatal exercises and maternity exercises, sports massage, occupational therapy and individual or group treatment or types of fitness training intended to improve the level of fitness. 5 Skin therapy 5.1 5.2 Skin therapy Reimbursement of the costs of the following, up to a maximum of € 150.00 per insured person per policy year: • camouflage lessons and the cost of purchasing the aids needed for these lessons; • facial epilation by laser or other means; • peeling in the case of severe acne; • lymph drainage. Entitlement to reimbursement of these costs is subject to the care being provided by a skin therapist or beauty specialist. Psoriasis day-care treatment Reimbursement of the costs of psoriasis day-care treatment aimed at preventing and combating the chronic skin condition psoriasis in a day-care treatment centre with which the health care insurer has entered into a contract, up to a maximum of € 150.00 per insured person per policy year. 6 Medical aids 6.1 Reimbursement of the individual contributions that the insured person owes over and above the maximum reimbursement payable under the applicable Regeling Zorgverzekering, subject to a maximum of € 150.00 per insured person per policy year. A maximum may apply to the reimbursement of the individual contributions. Said maximum will be set at the discretion of the health care insurer. The health care insurer may make the reimbursement of the costs of purchasing or renting medical aids subject to its prior consent, at the discretion of the health care insurer and/or in conformance with the Reglement Huplmiddelen (Medical Aids Regulation). See www.iak.nl/zorg, 'IAK Vergoedingsregeling hulpmiddelen' for the reimbursement rates. Together for a perfectly insured future 17

3 Pharmaceutical care<br />

3.1<br />

Contraceptives<br />

Reimbursement of the costs of contraceptives that may be provided under the Regeling Zorgverzekering (<strong>Health</strong> <strong>Care</strong><br />

Insurance Regulations), such as the contraceptive pill, a contraceptive implant, IUD, ring or pessary, prescribed by a<br />

general practitioner or medical specialist and supplied by a pharmacy or dispensing general practitioner to insured<br />

persons aged 21 and above, for the first prescription for a new contraceptive pill/device, up to a maximum of the<br />

amount laid down in the Regeling Zorgverzekering and the GVS (Medicines Reimbursement System).<br />

The cost of the placement and removal of a contraceptive device such as an IUD will be reimbursed under the health<br />

care insurance irrespective of your age. If you are under 21 years of age, you are entitled under the health care<br />

insurance to the reimbursement of contraceptives such as the contraceptive pill, a contraceptive implant, IUD, ring or<br />

pessary.<br />

a. Medication to help you stop smoking<br />

Reimbursement of the cost of medication (nicotine replacement products and prescription-only remedies) used in<br />

support of behavioural therapy in the context of a ‘stop smoking’ programme, up to a maximum of € 115.00 for the<br />

entire term of the insurance.<br />

4 Physiotherapy and remedial therapy<br />

Reimbursement of the costs of care such as is usually provided by physiotherapists and remedial therapists from a<br />

child physiotherapist, manual therapist or Cesar/Mensendieck remedial therapist, oedema therapist, psychosomatic<br />

therapist or pelvic floor physiotherapist, exclusively if and insofar as there is no entitlement (or no longer any<br />

entitlement) to such reimbursement under the <strong>IAK</strong> <strong>Health</strong> <strong>Care</strong> Insurance or one or more of the supplementary<br />

insurances described in these policy conditions. Reimbursement will take place up to a maximum of € 250 per insured<br />

person per policy year.<br />

In the case of treatment of chronic conditions as defined in Appendix 1 of the Besluit zorgverzekering (<strong>Health</strong> <strong>Care</strong><br />

Insurance Decree), the invoice must be accompanied by a certificate from the attending practitioner showing the<br />

indication. It must be evident from the indication that the treatment is medically indicated. Oedema therapy may also<br />

be provided by a skin therapist.<br />

You can find a list of care providers contracted by the health care insurer on our website. Alternatively, you can call us<br />

and ask for a list. For more information, see article 2.4 of ‘General conditions’ in these insurance terms and conditions.<br />

The costs of the following will not be reimbursed: antenatal exercises and maternity exercises, sports massage,<br />

occupational therapy and individual or group treatment or types of fitness training intended to improve the level of<br />

fitness.<br />

5 Skin therapy<br />

5.1<br />

5.2<br />

Skin therapy<br />

Reimbursement of the costs of the following, up to a maximum of € 150.00 per insured person per policy year:<br />

• camouflage lessons and the cost of purchasing the aids needed for these lessons;<br />

• facial epilation by laser or other means;<br />

• peeling in the case of severe acne;<br />

• lymph drainage.<br />

Entitlement to reimbursement of these costs is subject to the care being provided by a skin therapist or beauty<br />

specialist.<br />

Psoriasis day-care treatment<br />

Reimbursement of the costs of psoriasis day-care treatment aimed at preventing and combating the chronic skin<br />

condition psoriasis in a day-care treatment centre with which the health care insurer has entered into a contract, up to<br />

a maximum of € 150.00 per insured person per policy year.<br />

6 Medical aids<br />

6.1<br />

Reimbursement of the individual contributions that the insured person owes over and above the maximum<br />

reimbursement payable under the applicable Regeling Zorgverzekering, subject to a maximum of € 150.00 per insured<br />

person per policy year. A maximum may apply to the reimbursement of the individual contributions. Said maximum<br />

will be set at the discretion of the health care insurer. The health care insurer may make the reimbursement of the<br />

costs of purchasing or renting medical aids subject to its prior consent, at the discretion of the health care insurer<br />

and/or in conformance with the Reglement Huplmiddelen (Medical Aids Regulation). See www.iak.nl/zorg, '<strong>IAK</strong><br />

Vergoedingsregeling hulpmiddelen' for the reimbursement rates.<br />

Together for a perfectly insured future 17

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