Healthcare insurance

Insured care

Care for type 1 diabetes is reimbursed through the basic health insurance. The multidisciplinary diabetes care provided by Diabeter is also included. All you need is a referral from a general practitioner or another medical specialist. Diabeter operates in the same way as a hospital in this regard.

GoOD TO KNOW:

Diabeter makes agreements with all health insurers. The insurer reimburses the costs for consultations and treatments.

You choose your own health insurer. It’s wise to review the advantages and disadvantages of each insurer.

If you need to cancel an appointment at Diabeter, you must do so at least 24 hours in advance. If you don’t, you will be charged a fee.

Temporarily suspending your health insurance has consequences—for example, if you are going abroad for an extended period.

Contracts with insurers

Diabeter ensures every year that agreements are in place with all health insurers in the Netherlands. This means we have contracts with both small and large insurers.

This allows us to support everyone with type 1 diabetes—both children and adults.

Insurer Group	Health insurance/Labels	Contract with Diabeter for 2025	Preference Policy – Insulin in 2025 *)	Delivery via Diabstore
Zilveren Kruis	Zilveren Kruis, Interpolis, De Friesland, FBTO, Ziezo van Zilveren Kruis en De christelijke zorgverzekeraar.	Yes	Preference for original Lantus and Humalog; preference for biosimilar aspart instead of Novorapid	Yes
VGZ	Bewuzt, IZA, IZZ, Univé, ZEKUR, UMC, United Consumers, Zorgsaam	In negotiation	Preference for all biosimilars	Yes
CZ	CZdirect, Just, Nationale Nederlanden en OHRA	Yes	Preference for original Lantus, Humalog, and Novorapid	Yes
Menzis	Menzis, Anderzorg, HEMA, VinkVink en Studenten goed verzekerd	Yes	Preference for original Humalog and Novorapid; preference for biosimilar Abasaglar instead of Lantus	Yes
DSW	Stad Holland, InTwente	Yes	Preference for biosimilar aspart instead of Novorapid; no preference policy for Lantus/Abasaglar and Humalog/Lispro	In negotiation
Zorg en Zekerheid	AZVZ	Yes	Preference policy for all biosimilars	Yes
ONVZ	VVAA	Yes	Preference for biosimilar aspart instead of Novorapid; no preference policy for Lantus/Abasaglar and Humalog/Lispro	In negotiation
ASR	ASR ik kies zelf	Yes	Preference policy for all biosimilars	In negotiation
ENO	Salland	Yes	Ja, preferentiebeleid op alle biosimilars
Caresq / Eucare	Aevitae	Yes	No preference policy	Yes

Deductible in Healthcare

Everyone in the Netherlands pays a monthly premium for health insurance. In addition, you pay a deductible—this is the amount you cover yourself for the first healthcare costs each year. In 2024, this amount was €385.

The health insurer will send you a bill for this. The deductible does not apply to children under 18 years of age.

Invoices Sent Directly to the Insurer

Thanks to our agreements with health insurers, we bill the costs associated with diabetes care directly to them. This means you won’t receive an invoice at home. However, your health insurer can show you which healthcare costs have been reimbursed.

In special cases, individuals may receive an invoice from Diabeter—for example, if someone does not have health insurance due to religious reasons. The prices for diabetes care at Diabeter are listed hier.

Contracts for Diabetes Care in 2024

Since Diabeter was founded, we have had contracts with every health insurer in the Netherlands each year. This also applies to medical devices supplied by the Diabstore. Sometimes, at the beginning of a new year, we are still in discussions with a few insurers. Even then, we always reach agreements.

Are you receiving care at Diabeter? Then you usually won’t notice any of this.

Long-Term Agreements with Two Health Insurers

Zilveren Kruis – Diabeter has made agreements with this health insurer for a period of 10 years.
CZ – Diabeter had a multi-year contract with this insurer and is currently in discussions to extend it.

These health insurers recognize the benefits of specialized diabetes care offered at Diabeter’s various diabetes centers. That’s why we work closely with them to improve diabetes care and prevent future complications.

Different health insurers

Each insurer determines the monthly premium amount for health insurance individually. They also decide which supplementary insurance packages they offer.

That’s why it’s important to pay close attention when choosing a health insurance provider. It’s smart to review the pros and cons of different insurers so you can compare them effectively.

The Dutch Patients Federation (Patiëntenfederatie Nederland) explains what to consider when selecting a health insurance plan. You can read more about the different types of health insurance on their website.

The Diabetes Association (Diabetesvereniging) provides helpful information for choosing a health insurer. They also explain what steps to take if you want to switch from one insurer to another. Visit their website to learn more about changing your health insurance.

No-show fee

Diabetes care at Diabeter is reimbursed through the basic health insurance. This does not apply if you miss an appointment.

If you need to cancel an appointment at Diabeter, you must do so at least 24 hours in advance. If you don’t, we will charge a fee of €45. This is called the “no-show fee” or “missed appointment fee.” The insurer does not reimburse this.

You must pay the no-show fee yourself.

Why Does Diabeter Charge a No-Show Fee?

Sometimes, a person does not show up for their appointment at Diabeter. This is unfortunate, as time was reserved for that appointment and is then lost. Our specialists could have used that time to help other people with type 1 diabetes.

That’s why we charge a portion of the cost as a fee. This policy aligns with the guidelines of the Ministry of Health, Welfare and Sport.

Reschedule an Appointment on Time

Diabeter understands that sometimes an appointment may not be convenient. In that case, you can reschedule it. Please do so at least 24 hours in advance. Saturdays, Sundays, and public holidays do not count toward this notice period. If you reschedule your appointment on time, you won’t be charged a no-show fee.

Rescheduling is easy—just call Diabeter’s reception at 088 280 72 77.

The reception is available Monday through Friday between 8:30 AM and 5:00 PM. You can also email your own diabetes care team.

Pausing health insurance

Health insurance is mandatory in the Netherlands. However, it may sometimes be necessary to temporarily suspend your insurance—for example, if you are abroad for an extended period. This can have consequences, so be cautious when pausing your health insurance.

In the Netherlands, healthcare usage is reviewed every four months. The insurer you are registered with on the first day of such a period is the one that counts.

If you temporarily stop your health insurance and later receive care from Diabeter, we cannot send the invoice to a health insurer. In that case, you will need to pay the costs for diabetes care at Diabeter yourself.

Avoiding High Costs

Always consult your diabetes care team at Diabeter if you plan to pause your health insurance. They can help with advice.

If we know until when you are insured, we can ensure that diabetes care stops before the four-month review period ends. This helps prevent unexpected bills later on.