Insurance

An insurance company gives you money if something happens for which you are insured with the insurance company. For example, if you get sick and have to go to the hospital or if you accidentally break something at someone else's house.

You pay money for the insurance policy you have a contract for. You usually have to do this every month. This is called a "premie" (premium). You get proof from the insurance company that you are insured. This is called a "polis" (policy). This shows what insurance you have and what exactly is insured.

There are many types of insurance where you can take out a contract. Some insurances are mandatory in the Netherlands. Your contact from

Below you can read about the different types of insurance:

If you have a Ukrainian passport or ID card and a

The RMO pays for all the basic healthcare you need. For example, if you go to the GP, the GP will take care of the costs with the RMO. You do not have to do anything yourself, just show your passport or BSN. And you cannot apply for healthcare allowance.

Below you will read about insurances that are not compulsory but are important:

With household contents insurance, you insure everything in your home such as furniture, appliances, clothing and books. The insurance company pays out money if the things in your home are damaged due to, for example, fire, water, lightning or burglary.

It depends on the insurance company which items are insured, as does the maximum amount of money you get from the insurance company if something happens to it.

Funeral insurance pays part of the cost of your funeral or cremation. This is important so that your family and friends will not be faced with high bills when you pass away. Funeral insurance usually pays for the casket or urn, flowers, funeral cards, transportation and catering.

You pay a monthly

You can choose your own insurance company and the insurance you want. You decide what you want to insure. You can have the funeral arranged by the insurance company, or your next of kin can do it themselves with the money they get from the insurance company.

It is possible in the Netherlands to arrange a funeral according to Islamic guidelines. If you want an Islamic funeral in the Netherlands, you can arrange this yourself in your insurance. If you want to be buried in your country of origin, you can also insure yourself for "repatriation". This means that if you die you will be taken to your country of origin. This insurance is usually expensive.

There are several Islamic funeral insurance companies in the Netherlands. But there are also non-Islamic insurance companies with whom you can take out insurance for an Islamic funeral and repatriation. You can arrange this the way you want.

There are many other insurance policies you can take out, such as travel insurance, life insurance, disability insurance and legal expenses insurance. First, see if you really need the insurance. Ask yourself the following two questions:

1. Is the premium too high relative to the amount you will be paid if something happens?

2. Is the insurance premium too expensive for you? If you do not really need the insurance, it might be better to cancel it.

Your contact at VWN or your social worker from another organisation can support you in choosing insurance policies.