Worst company ever!
if you want to waste your money, time and sanity=> please choose them! you are in for a ride!
We are expats living in NL mor almost 2 decades, so we are very familiar with Dutch insurances but VGZ is really something....
- the different departments of this company do
NOT talk to each other: the client has to FIGHT to have someone on the phone and be told "I am sorry, it is another department issue, we cannot do anything about it"...then you are connected to the other department and hear the same so they connect you back to the initial department, which claim it is the other's department 'job. And when eventually you are tired of it and start to complain, then both departments agree for once....=> they do not/cannot communicate together....so you are just stuck and no solutions is offered.
We choose the "eigen keuze" and paid more for it, yet we need to ask everytime for permissions for care abroad in EU (better care and wayyyy cheaper, with actually caring doctors/teams!):
-the answer is never received within the 2 weeks delay and the person on the phone (although friendly) always lied that it was 3 weeks minimum but it is written 2 weeks, not 3.
- So you have to file a complaint (first you need to be able to find the page because the VGZ website is made in a such way, that you very easily end up in a loop without accessing what you want): to make a complaint, you need to receive their answer by post....funnily enough it is never received although I always heard "it was sent" (were have zero issue with our post if not with VGZ...)
So even before filing a complaint, you first need to fight (again) to receive the refusal: I contacted VGZ via the chatbot, and was told sending the document was not possible. I first needed to send an email asking/allowing them to contact me by mail (while we received emails regularly...)...
So all of this, and you are still nowhere to get your medical help...(this already took 1 month...) since the refusal letter is nowhere to be seen...so we cannot start the legal complaint...
your care is urgent, it does not matter to them!
- Anyway, the care abroad was always refused because "it is not covered in the basic insurance", which is a blatant lie and easily proven otherwise...(please note several person wrote it also on trust pilot so it is not a mistake but I suspect "a tactic" from this company)
- And of course, they want a lot of paperwork to see if you are eligible, even before you even met a single doctor: so concretely, they ask you how much everything is going to cost, while you did not met the doctor yet. So of course, you cannot fill the form fully, so it is refused automatically.
- and if you are brave enough to dare to ring them...be prepare to talk to a bot, which will stop the conversation because a "sms with a link and all the answers to your question will be sent".....biiiiiiiip
This company is a nightmare of bureaucracy and several medical professionals mentioned "VGZ would not be my choice for an insurance" and we know understand why. Of course, they have to follow rules, we all do, but sometimes you also needs a minimum of common sense, not to mention proper consumer service for your clients.
We have several medical providers who now just blatantly refuse to deal with VGZ and and we cannot wait to switch to a different provider.
We chose them because they were cheaper with a collective agreement (we pay ±370/month) so we are not on the minimum contract but it does not matter: pure loss of money and everything is "fighting".
As a chronically ill patient, I do not need to fight with my own insurance but I learnt that they just want the money and do not do the work.
A pity, I could not put a "zero" star, one star is already far too much!
21 August 2023
Unprompted review
