MijnDSW - Manage health insurance & claims

The MijnDSW application allows you to manage all aspects of your health insurance with DSW independently.

Upon logging in, you can immediately access:

• your insurance information

• details of your healthcare expenses and reimbursements

• the current status of your insurance deductible

• paid and unpaid invoices

• digital correspondence

Furthermore, the app enables you to conveniently:

• submit claims for healthcare costs by either photographing the invoice or uploading a digital version

• settle outstanding bills using iDEAL

• update your insurance or personal information

Insurance card

With the MijnDSW app, your health insurance card is always at your fingertips.

Your input matters

We are constantly striving to enhance and expand our app. The feedback from our insured individuals is crucial for this purpose. We welcome you to share your thoughts and suggestions through the ‘Feedback about the app’ feature.

Frequently Asked Questions

Why do I sometimes pay the hospital deductible multiple times?

A hospital bills its costs for a course of treatment or care all at once. This is called a Diagnosis Treatment Combination (DBC). When you go to the hospital for treatment, a DBC is opened. From that moment on, all costs are added together. The first DBC lasts a maximum of 90 days.

If your treatment lasts longer or you remain under observation, the hospital will open a follow-up DBC. The start date of the follow-up DBC follows directly on the end date of the previous DBC. A follow-up DBC lasts a maximum of 120 days. Such a DBC can therefore remain open for 120 days. After surgery, the DBC may remain open for a maximum of 42 days. After a maximum of 120 days, the DBC is closed and the healthcare provider can bill for the care.

If the treatment lasts longer than these periods, a new (follow-up) DBC is then opened. The treatment can therefore contain multiple DBCs. This process repeats every 120 days, as long as you are receiving treatment.

You pay a deductible for each DBC. The government has established how hospital care costs may be charged. If you have not been hospitalized for a certain period, you will naturally not receive a bill for this. The DBC's opening date determines the year for which the deductible is charged. If the DBC continues into the following year, you only pay the deductible once. This is in the calendar year in which the DBC was opened.

After paying your deductible for a DBC, you may still have a deductible remaining for that same year. This outstanding deductible amount can be charged for a subsequent DBC if it is opened in the same year. It is also possible that a subsequent DBC is opened in a new calendar year. In that case, the deductible for the new year will be charged. Your healthcare provider often knows if and when a subsequent DBC will be opened. Ask your healthcare provider when this happens.

Do I need to report a change of address? If you move, it is important that you report your change of address to the municipality. The municipality automatically notifies us of the change of address, so you do not need to inform us.

Note: Are you a DSW policyholder but not insured with us? If so, we would appreciate it if you could inform us of your new address. You can provide us with your new address details via our contact form.

When do I need a referral from my GP?

Whether you need a referral from your GP depends on the type of care. You will need a referral for:

Hospital care

Mental healthcare

Prescription medications

Assistive devices

Rehabilitation

Chronic physiotherapy

You do not need a referral for:

GP care (and practice assistant)

Glasses and contact lenses

Dental treatments

Regular physiotherapy

Alternative care

Insoles

For an overview of all reimbursements and conditions, please visit the reimbursement overview. You can also read there which healthcare providers are allowed to refer you.

I want to see a physiotherapist—what now?

Step 1: Making an appointment

You can make an appointment with a physiotherapist. You do not need a referral from a doctor (or GP). Are you visiting a contracted physiotherapist? In that case, the treatments will be fully reimbursed in accordance with your policy terms and conditions. If you visit a non-contracted physiotherapist, we will reimburse you at a rate determined by us. You can use our Care Finder tool to see which healthcare providers have a contract with us.

Step 2: First visit

During your first visit, the physiotherapist will conduct a screening and/or intake session to assess the nature of your complaint. Based on this screening and/or intake, it will be determined whether physiotherapy can aid in your recovery.

Step 3: Reimbursement of treatment costs

Supplementary insurance

Your supplementary insurance can be used to cover physiotherapy treatments that are not reimbursed under your basic insurance policy. If you reach the maximum number of treatments covered by your supplementary insurance within a single calendar year, you must pay for any remaining treatments in that year yourself. You can check how many treatments you have utilized under your supplementary insurance via *MijnDSW* or the *MijnDSW* app.

Basic insurance

For certain conditions, you may be eligible for (partial) reimbursement under your basic insurance policy. This applies to conditions listed on the "chronic list." In such cases, physiotherapy is reimbursed under the basic insurance policy starting from the 21st treatment. The first 20 treatments may be (partially) reimbursed through your supplementary insurance. For a number of specific conditions, you may be eligible for immediate reimbursement under your basic insurance policy—up to a specific maximum number of treatments—such as 37 treatments for COPD, or 12 treatments for knee or hip osteoarthritis. Your physiotherapist will determine the nature of your complaint and whether you are eligible for reimbursement under your basic and/or supplementary insurance. You can view the reimbursement rates for various types of physiotherapy in the reimbursement overview.

Please note: Treatments reimbursed under your basic insurance count towards your deductible.