Nevertheless, the majority rely on their own skills when choosing and using health insurance, according to research conducted under the consumer panel of the Nivel care institute.
Health insured are expected to make an informed choice each year about staying or switching with their current health insurer. For this year, policyholders were able to choose from 55 basic policies, apart from the forest of additional insurance policies.
Differences in insurance
This year, 6.5% switched health insurers, again less than in recent years. Most policyholders (63%) think they “reasonably” or “very likely” manage to figure out the differences between health insurance policies.
More than three-quarters of the surveyed policyholders report that they are reasonably or very sure that they understand the terms and terms about health insurance (77%), that they can find the information they need to choose health insurance (78%), and that they have health insurance choose the one that suits them (75%).
Seven out of ten policyholders also think that they can reasonably or very confidently estimate how much they will have to pay for their healthcare in the coming year (69%).
Two thirds of the health insured indicate that they have little or no knowledge of what to do if the health insurer refuses to pay for care that they believe is reimbursed. The same number of insured persons say that they are hardly aware of where they can turn if they cannot pay the health insurance premium.
The insured respondents are also less certain about the additional payment for medicines. More than half (57%) say that they “cannot do this at all” or “are a little likely” themselves. About their own costs for a visit to the emergency room or a medical specialist is half in the dark.
Education plays a role in assessing one’s own skills, Nivel notes. Insured persons with a low level of education estimate their health insurance skills to be lower than insured persons with a medium or high level of education.