To begin with
Three different layers of protection. Ask for each layer what continues and what you must arrange yourself.
“Ask what your body needs to clear your mind again.”
On this page
Your health insurance fund: the basics first
The compulsory health insurance reimburses part of recognised healthcare costs. Your health insurance fund or the HZIV handles that reimbursement. Moving out does not automatically terminate your registration as a dependent child: age and any own rights play a part. For dependent children of their parents, cohabitation is not a general condition.
I am starting work. Am I still insured through my parents?
Your own work can create your own right to health insurance. Ask the health insurance fund which registration applies to your situation. Do not confuse this with being fiscally dependent or the Groeipakket: each has its own conditions.
Hospitalisation insurance: look at the actual coverage
An additional hospitalisation insurance can cover costs remaining after the statutory reimbursement in case of hospital admission, within the policy conditions. Look at the franchise, room supplements, exclusions and care before and after admission. A policy via parents or employer does not automatically continue in every new situation.
Is a single room fully reimbursed?
That depends on the policy and any restrictions on supplements. Before a planned admission, request a cost estimate from the hospital and have your insurer confirm what is covered.
Dentalia and other dental insurances
Dentalia Up is an additional dental insurance, not a synonym for compulsory health insurance. Other products exist. Compare premium, annual ceilings, waiting periods and treatments. Helan specifies different waiting periods for Dentalia Up depending on care, with exceptions. The conditions of your contract remain decisive.
Can I subscribe when I already know I need a crown?
You can request subscription, but do not count on immediate reimbursement. Waiting periods, ceilings and conditions may apply. Have the amount to be reimbursed in your situation calculated in writing beforehand.
If you become ill and cannot work
Health care costs and loss of income are separate issues. In case of illness, immediately ask your health insurance fund how and when you need to report incapacity for work. Employees, job seekers and self-employed persons do not always follow the same procedure. A hospitalisation insurance does not replace income.
Who pays my rent if I am unable to work for a longer period?
That depends on your social status, your rights to benefits and any additional insurance. Map out your fixed costs and have your income protection checked in advance.
A next step, at your own pace.
See what is already arranged and choose what you want to address now.
Open your checklist →Frequently Asked Questions
FROM READING TO PREPARATION
Already a first answer.
Where do I start if I become independent for the first time?
Start with what will change soon: your home, work, income or family situation. Open the related guide and use the checklist to make a list of what is arranged and what still needs an answer.
Must I arrange everything at once?
First distinguish between arrangements with a date and issues you still want to investigate. Keep contracts and confirmations together. Ask the relevant service which information they need and note the next step.
Can I involve a parent or trusted person?
You can review the information together and prepare your questions. Indicate who you want to involve in a conversation. It helps if you formulate in advance what you want to achieve and what you have doubts about.
EASY PREPARATION
A checklist for your next step
Choose your topic. You will see what helps and what you can explore together with the office.
Further reading and discussion
FROM FIRST QUESTION TO NEXT STEP
You do not have to figure it out alone.
First your situation
Explain what is happening, who is involved and what you want to avoid.
Weighing possibilities
We discuss your questions, the available documents and the consequences of possible choices.
Your next step
We record what you want to have drafted and what follow-up belongs to it.
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