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Frequently Asked Questions

What is a consumer collective?

You have probably heard about it: a consumer collective. A collective health insurance for example. You can usually only join the collective through an employer. This is almost impossible for individuals. This is why United Consumers is a consumer collective for everyone. United Consumers offers you benefit on your health insurance, car insurance, energy, mobile subscription and fuel. The company buys products & services in bulk which allows them to get discounts. These discounts are then directly transferred to the offers.

How can I contact support?

You can contact support directly at 040 - 235 05 60. Press 1 for utilities, 2 for health insurance, and 4 for telecom

What should I set as the starting date of my contract?

This depends on your situation. For example, if you've recently accepted a job offer and do not have Dutch health insurance yet, your starting date will be the same date as the date your contract becomes valid.

What is the difference between the budget, standard and premium offers?

For all offers, Zorgverzekeraar Bewuzt (the health insurance company) pays the bill for your healthcare costs directly to the contracted care provider. You do not have to incur any costs. With the budget offer, you receive up to a 100% reimbursement of costs from healthcare providers with a contract & up to 70% reimbursement of costs from healthcare providers without a contract. With the standard offer, you receive up to a 100% reimbursement of costs from healthcare providers with a contract & up to 80% reimbursement of costs from healthcare providers without a contract. With the premium offer, you receive up to a 100% reimbursement of costs from healthcare providers with a contract & up to 100% reimbursement of costs from healthcare providers without a contract.

What is a premium?

A premium is a periodic payment to your health insurance company, in order to keep your insurance coverage active.

What is a compulsory deductible (own risk)?

With your basic insurance, you have a compulsory deductible (own risk). Up to this amount you have to pay the healthcare costs you make yourself. Almost all health care that reimburses the basic package of your health insurance is covered by your own risk; this includes operations and emergency care in the hospital and also your medicines.

What is additional (supplementary) insurance?

A supplementary insurance for healthcare is an insurance for the healthcare costs that are not included in the basic health insurance package. For example, dental care for people aged 18 and older, coverage for recovery, spa and resort resorts or extensive cover for physiotherapy.

What is the difference between good, better & best additional insurance?

The additional insurance consists of physiotherapy (fisiotherapie), alternative care (alternative zorg), glasses & contacts (brillen en lenzen), birth control (anticonceptie). Each of the options (good, better & best) has a different level of these services.

What is the difference between good, better & best dental insurance?

The dental insurance consists of dental cost coverage (tandartskosten), which includes periodic inspection (periodieke controle) and reimbursement for other treatments (vergoeding overige behandelingen). Additionally, it consists of orthodontics (orthodontie).

What is housing allowance?

Provided by the Dutch government, the housing allowance is a monthly rent contribution.

Am I eligible for housing allowance?

Your eligibility for this contribution depends on a number of factors. These include your;

  • Nationality
  • Accommodation
  • Rent
  • Income
  • Assets
How can I apply for housing allowance?

There is a number of ways you may apply for the housing allowance. You can easily calculate & apply for this contribution through our official tax partner - Blue Umbrella. This ensures that your application will be filled out correctly, and the amount you have applied for is the actual amount you are eligible for.

You may also apply directly through the Tax Office. The application process is in Dutch and can be tricky at times, given the specificity of the questions. You may have the contribution confirmed by the Dutch tax authorities, but be aware, the contribution may be revoked if during a regular checkup the authorities discover that you have incorrectly filled out the application. You may then be required to pay everything back.

How much housing allowance can I receive?

You can receive a contribution of up to €1.500 per year.

What is healthcare allowance?

The healthcare allowance is a monthly health insurance contribution provided by the Dutch government.

Am I eligible for healthcare allowance?

Your eligibility for this contribution depends on a number of factors. These include your;

  • Nationality
  • Income
  • Assets
How can I apply for healthcare allowance?

There is a couple of ways you through which you may apply for the healthcare allowance. You can easily calculate & apply for this contribution through our official tax partner - Blue Umbrella. By doing so,  you ensure that your application will be filled out correctly, and the amount you have applied for is the real amount you are eligible for.

You may also apply directly through the Tax Office. The application process is in Dutch and can be tricky at times, given the specificity of the questions. Although you may have the contribution confirmed by the Dutch tax authorities, it may be revoked at any time if during a regular checkup the authorities discover that you have incorrectly filled out the application. It is likely that the tax authorities will require you to pay a part of the amount back.

How much healthcare allowance can I receive?

You can receive a contribution of up to €1.188 per year.

What is income tax?

Income tax is a type of tax imposed on individuals which varies depending on the income that you receive.

What is an income tax declaration?

Income tax declaration is a yearly declaration of a person's earnings. In the Netherlands, the tax authorities will inform you if you are required to declare your income taxes.

Do I need to submit an income tax declaration?

If the Dutch tax office requests you to submit an income tax declaration, you must do so. Alternatively, you can also submit an income tax declaration without being required to do so. This is often beneficial if you're looking to request a tax deduction (e.g. the loonheffingskorting).

When do I have to submit my income tax declaration?

The Dutch tax office will determine when you must submit your income tax declaration. Make sure to regularly check your mail and Mijn Belastingdienst to never miss a deadline.

Do I need to add VAT to the prices of my goods & services?

Most entrepreneurs must add VAT to the prices of their goods & services. You are classified as an entrepreneur if you independently carry out work and have income from it.

What is student finance (studiefinanciering)?

Student Finance (studiefinanciering) is a financial contribution offered by the Dutch Ministry of Culture and Education. The contribution consists of four components;

  • The Grant
  • The Loan
  • The Tuition Fee Loan
  • The Travel Product
Am I eligible for student finance?

This depends on a number of factors. Some of these include your:

  • Nationality
  • Number of hours that you work alongside your studies
  • Employment contract
  • Parent's Income

 

How can I apply for student finance?

You can apply for student finance directly through the Dutch Ministry of Culture and Education (DUO).

How much student finance can I receive?

You can receive up to around €12.650 per year.

What is graduate finance?

We define graduate finance as the financial products & services that you require after completing your studies.

How can I apply for a mortgage?

You can apply for a mortgage by visiting any financial institution in the Netherlands that has "hypotheken"  in their product offering.

Which types of loans are available?

Here's a basic overview of available loans you can apply for in the Netherlands:

  • Personal Loans
  • Credit Loans
  • Mortgages
Do you have a free plan?

We do not have a free plan. Instead, you may use our 10-day free trial with all features enabled.

When will my vacancy be published?

Your vacancy will be published immediately once it has been reviewed by our team. The review process takes only about 30 minutes after you've submitted your vacancy.

What if I want to publish multiple vacancies?

If you’d like to publish multiple vacancies, please get in contact with us to custom pricing options.

Which social channels do you target?

We actively target our audience on accounts, pages & groups that we own. These include:
- LinkedIn
- Facebook
- Instagram

Which metrics may I display on my dashboard?

You may display any metrics which are accessible via Google Analytics.