What exactly is the deductible and co-payment?

The letter said that I could pick up my lenses at the hospital and that I would then have to pay a deductible of € 112.00. I didn't understand any of this. I was already through my deductible anyway, why do I have to pay something then.

At the hospital, they told me deductible and co-payment were completely different and I could therefore pin this the amount. When I got home, I wanted to find out anyway. What is the difference between deductible and co-payment?

New lenses

Because I have keratoconus, I need new scleral lenses every year. Keratoconus is an annoying eye disease, which pretty much controls my life. These lenses are expensive, very expensive, and every year I go through my deductible in one fell swoop. I know, that sucks, but that's just the way it is and these lenses allow me to get along in society pretty well, so it's worth the cost.

I was shocked the first time when I found out that I still had to pay a contribution of more than a hundred euros.

Own risk v.s own contribution

At first I didn't understand anything about the personal contribution. What is the difference with own contribution and own risk?? I went to look this up.

Assuming of course it would be true, but I would like to know on what I spend my money.

Own risk

With your basic insurance, you have a mandatory deductible.
Up to this amount, you have to pay for the healthcare expenses you incur yourself.
An antal things ( as midwife and district care) are exempt from this rain risk.
Applies only from 18 years.
You don't get reimbursed for your deductible.
Counts only for care under the basic insurance.

Own contribution

For some care you have to pay a portion yourself
Including for hearing aids and some medicines.
applies to all ages
Some supplementary insurances give a reimbursement for this.
Pay for both basic and supplemental insurance.
The government determines the rain contribution applies and how high it is.

pay so

On the site of the rijksoverheid came idd this information:

€ 56 per lens for lenses that last longer than 1 year. If the lenses last 3 years, you pay €56 per lens once in those 3 years;
€ 56 per lens, for lenses that last less than 1 year, with a maximum of € 112 per calendar year. If you need new lenses 3 times in one year you only pay € 56 per lens once that year.

So it all adds up. And I will have to pay these costs myself anyway. For me, it is co-payment v.s own risk now clear.

In case you have had your doubts, I hope it has become clear to you as well.