Supplementary Health Insurance: Who Qualifies and What You Get
Learn if you qualify for tax-exempt medical coverage through your employment contract and how to claim your benefits.
Supplementary Health Insurance is a benefit for workers that provides coverage for medical expenses through specific healthcare funds.
Who it's for
This scheme is available to employees who are covered by specific national collective labor agreements (CCNLs). Whether you are covered depends entirely on the specific labor agreement tied to your job role and industry. If your employment contract falls under one of these recognized agreements, you are likely eligible for these additional healthcare protections.
What you get
You receive coverage for various medical expenses. A key benefit is that this coverage is tax-exempt, meaning the value of the medical benefits provided to you is not subject to taxation. This allows you to access healthcare support without increasing your taxable income, making it a highly efficient way to manage personal health costs.
What it costs you
The cost of this insurance is paid through a monthly premium. This amount is typically shared between your employer and yourself, meaning both parties contribute to the fund to ensure your coverage remains active. You should check your monthly pay slip to see your specific contribution.
The catch to know
The most common issue is that many employees forget to use the dedicated portal to claim their refunds. Even if you are paying into the fund through your payroll, the benefits are not always applied automatically to your doctor's visit. You must proactively use the fund's digital tools to ensure you receive the money back for the expenses you have paid for out-of-pocket.
How to apply
- Review your employment contract or speak to your HR department to confirm which specific CCNL applies to you and which fund covers your role.
- Gather all necessary documentation and receipts for the medical expenses you wish to have covered.
- Access the official portal provided by your specific healthcare fund.
- Follow the digital submission process on the portal to request your reimbursement.