No matter what kind of insurance we have, whether it is a collective insurance or private one, we will not miss the so-called own risk pool (EIGEN RISICO). It is a pool of money which we have to spend during the calendar year (from January 1st to December 31st) before our insurer starts to pay us back for treatment or medicines. This pool can be paid once or repeatedly.
Example 1:
In 2021, the own risk pool is 385 euros. You had a car accident in February 2021. The hospital issued a bill for 1200 euros and sent it to the insurance company. The insurance company issued an account for 385 Euros for you and pay the rest from the insurance. Since you have already paid the entire amount of your own risk pool in February, any bills that are received by the insurance company till 31 December 2021 will be paid from the insurance.
Example 2:
In 2021, the own risk pool is 385 euros. You have an allergy, and every month your doctor prescribes you antiallergic medicaments for 35 euros. Every month you receive a bill from the insurance company for 35 Euros. In September you have already paid 11*35 euros, which is 385 euros. Since you have used up the entire amount of your own risk, any bills that are received by the insurance company till December 31, 2021 will be paid from the insurance.
You can increase the pool of your own risk every 100 Euros and at the same time reduce your monthly insurance rate. However, it should be remembered that the greater your own risk, the more you will have to pay out of your own pocket before the insurer starts paying for you. Hence the name “own risk pool”.
Example 3:
In 2021 the pool of your own risk is 385 Euros, in order to reduce your insurance rate, you decided to take on a higher own risk. Your own risk pool is 785 Euros. You had a car accident in February 2021. The hospital issued a bill for 1200 euros and sent it to the insurance company. The insurance company issued an account for 785 Euros for you and pay the rest from the insurance. Since you have increased your own risk, you had to pay as much as 785 Euros, all bills that will be received by the insurance company by 31 December 2021 will already be paid from the insurance.
Example 4:
In 2021 the pool of your own risk is 385 Euros, in order to reduce your insurance rate, you decided to take on a higher own risk. Your own risk pool is 785 Euros. You have an allergy, and every month your doctor prescribes you antiallergic medicaments for 35 euros. Every month you receive a bill from the insurance company for 35 Euros. With only these bills, you will never use your own risk pool, so until the end of the year you will have to pay for the medicines that your doctor prescribes you for your allergy.
