Interestingly, several insurers no longer offer restitution policies. This is insurance where you are free to choose your own hospital or health care provider. Even if the insurer does not have a contract with them, the treatments are fully reimbursed. The cause and impact of the demise of the reimbursement policy is largely in district nursing and mental health care (GGZ). Health insurers indicate that non-contracted providers in district nursing and mental health often charge more than the average market rate. As a result, health care premiums are rising for everyone. To ensure that healthcare remains affordable and accessible, replacing the restitution policy with the combination policy is a necessity.

Once you receive the new premiums and coverages, bring group health insurance to the attention of your employees again. In doing so, you offer a good fringe benefit that adds value for both you as an employer and your employees.

More than just insurance

Group health insurance is not just any health insurance. It offers employees, in addition to financial benefits and appropriate coverage for healthcare costs, health-promoting initiatives. Consider health apps and lifestyle courses. So it is definitely worth actively communicating this to your employees!

Benefits for your employees

• Collective discount on the premium of supplementary insurance and dental insurance, which you as an employer have realized, contributes to higher participation rates
• Appropriate coverage that matches your employees’ life stage and health status
• Health apps and lifestyle courses to support their well-being lead to a proactive approach to health management by your employees.

Strategic tool for employers

For you as an employer, group health insurance is an indispensable strategic tool. In fact, you can use group health insurance to control the cost of absenteeism, reduce absenteeism, promote the health of your staff and shape the overall health policy within your company.

Benefits for you as an employer:

• Preventing duplicate care costs through a streamlined approach leads to cost savings.
  • For example, consider a preventive examination that you want to use for all employees. For those employees who participate in group health insurance and have coverage for this in their supplemental insurance, you can claim (part of) the cost (sometimes after the employee’s permission).
• Reduced absenteeism through preventive health care.
• Health apps and lifestyle courses reduce sick leave by raising awareness and encouraging healthy choices.
• Health insurance companies offer analysis and advice on health care consumption, allowing you to take targeted measures to promote the health of your employees.

We’d be happy to tell you more about the options available to get the most out of your group health insurance and add value for both your employee and you. To do so, contact our Corporate Wellness specialists at corporatewellness@krollerboom.nl.