Local benefits package - Netherlands 🇳🇱

Local benefits packages enable you to choose from 2 pre-created benefits packages and offer country-tailored benefits to your team. Oyster enables you to offer both great private health insurance (that is mandatory in the Netherlands) and global, worldwide coverage.

Benefits packages

Companies can choose from Competitive and Best-in-class packages. Both Competitive and Best-in-class packages include the same local health benefits (provided by CZ health) but different global health benefits (provided by Allianz health).

Some of the coverage highlights under the local benefits plan include:

• Inpatient and outpatient care is covered
• Prescriptions are covered
• Physiotherapy and exercise therapy - up to 18 sessions per condition
• Non-urgent medical care abroad
• Childcare and obstetric care are covered and includes fertility treatment, antenatal screenings, and care at home for up to 10 days
• Mental health care is covered
• Dental - routine, preventative, and orthodontic care is covered

Some of the coverage highlights under the global benefits plan include:

• All pre-existing health conditions are covered
• Worldwide cover (excl. USA)
• No excess / deductible / co-insurance
• All inpatient hospital treatment and cancer treatment covered in full
• Competitive levels of outpatient cover for doctors, specialists, diagnostic tests, physiotherapy, chiropractic, osteopathy and more 
• Mental health support
• Visions benefits for all members
• Adult and child vaccinations
• International Employee Assistance Program for all members
• Dental benefits are available if selected
• Maternity benefits are available if selected

Benefits providers

Benefits in the Netherlands is powered by Allianz Health, a global healthcare provider. Allianz Health has partnered with CZ Health Insurance, a leading local health insurance provider in the Netherlands. 

Team Members who enroll in CZ Health Insurance are auto-enrolled into Allianz Health, as long as they meet the conditions described in the FAQs.

• Team Members can be enrolled into private health only once a year in December during the open enrollment cycle.
• Team Members can be enrolled in Allianz Health at any time of the year. 

Pricing 

Oyster offers two packages for customers to choose from—Competitive or Best-in-class. The pricing figures below are on a per individual per month basis. 

• Both the local and global coverage start at USD 138 (inclusive of USD 25 admin fee) which is equivalent to the average cost of private local insurance in the Netherlands. This enables companies to offer both local and global insurance at the price of one. 
• Oyster charges a USD 25 admin fee on top to handle the whole lifecycle of benefits–research, vendor relationships, plan structure, enrollments, and team support—reducing the admin and monetary costs for you. 

Pricing for global benefits by Allianz Health

Pricing is based on the age of the team member and the package.

Note: These Prices are exclusive of local and country-specific Insurance Premium Taxes(IPTs) payable by your organization. 

• Unlimited dependents (Partner and any Children) are also covered at the same rate price of the individual. For example, if your Team Member wants to enroll their partner into the Competitive package, the costs will be the cost of Competitive,102.92 USD * 2.
• Oyster will charge a USD25 / 23EUR / 20GBP per team member per month benefits administration fee. This fee enables Oyster to provide best-in-class service to your team through the entire benefits lifecycle(market and vendor research, building benefits packages, admin) and round-the-clock support for your team.  
• Some countries charge employer taxes for benefits. These will be added on top of these costs

FAQs

How does coverage for dependents work?

Unlimited dependents (Partner and any Children) are also covered at the rate price of the individual, i.e. if a Team Member wants to enroll their partner, then it would be the package cost * 2.

• Oyster will provide a 30-day window to allow Team Members to add their dependents to cover. 
• Dependants can not be added outside this 30 day Team Member joining window, unless at a life event (birth, adoption, marriage, divorce, death).  
• The cost for dependents needs to be 100% company-covered

How does the enrollment into the new plans work?

• Existing team members: Existing team members (or) hires in the Netherlands will be enrolled into the new packages by the Oyster support team after the company has selected a package using the communication Oyster sends out during the open enrollment cycle in December each year. Team members will have the option to opt-out. 
  
  
• New hires/New team members: After Jan 1, 2023, any new hires in the Netherlands can be enrolled into the global health care plans by Allianz using their Oyster account--from the hiring form or the benefits page. 
  • CZ health insurance (local insurance in the Netherlands) will be applicable for enrollment only once a year, in December, during the open enrollment cycle 

What is open enrollment? When can I enroll my team members in the Netherlands into local private insurance?

Netherlands national regulation allows employees to change their insurance providers yearly, at the end of each year, with new plans taking effect from Jan 1. 

You can enroll team members in the Netherlands into local private insurance (CZ health) once a year, in December, during the open enrollment cycle. Team members can however be enrolled into the global benefits plan (powered by Allianz health) at anytime during the year.

I have team members enrolled into SafetyWing or IMG for global benefits. How will the migration for these team members work?

Oyster is introducing a new global benefits plan for all team members starting Jan 1, 2023. This update will involve a change in global healthcare providers from SafetyWing and IMG to Allianz Health improving both coverage and experience at competitive rates. 

• If you have team members in the Netherlands enrolled into SafetyWing/IMG and a local private healthcare, it is recommended you select the new package Oyster shares with you failing which your team can’t be enrolled into the local insurance plans by CZ health before the next open enrollment in December 2023.
• Your team can still be migrated from SafetyWing to the global health care plan by Allianz Health during the migration process Oyster will run between January to May 2023

How do I submit a claim where I have paid the cost and want to be reimbursed?

The easiest way to submit claims is via the MyHealth app/portal which you can use to manage your plan. 

• Go to the ‘Claims’ section and make a ‘New Claim’
• Make sure the form is completely filled out. The form will not let you proceed without completing all the required information
• Scan and attach your receipts
• Submit your claim
• You can also submit a claim by completing a claim form and sending it via email. It’s important to keep in mind that submitting your claim via MyHealth will guarantee quicker payment. 

The benefits plans in the Netherlands offer additional benefits (global and local health) when compared to what teams in other countries will receive. How can I offer a similar or standard benefits experience across all my team members regardless of location?

Each country has its own benefits legislation and access to benefits also vary from country to country. For example, Germany has great statutory health insurance and it’s generally unusual for companies to offer supplementary insurance whereas in the United States, healthcare and benefits must be offered by employers. 

The benefits you offer need to:

• comply with and supplement the local laws
• align with your compensation and rewards approach
• be competitive with what local employers offer
• ensure easier and faster access to doctors, hospitals, tests, claims, and more

Offering local benefits helps you remain fair to your team, competitive against local employers, and cost-efficient. In the Netherlands, the benefits plan structure enables you to offer both great local and global health insurance at the cost that usually comes with offering just one of them. You can also choose to offer global benefits as an add-on in other countries where local benefits are available. 

Coverage brochures 

• Difference between Competitive and Best-in-class packages 
• Brochure: Local health insurance by CZ health
• Brochure: Global health insurance by Allianz health
• CZ health + Allianz health access details (for team members)