Payments

Within how many days will I receive the money?

If you claim online, we will process your claim within 5 working days. You can follow the status of your claim under 'my claims'. When your claim is approved you will receive the money within a few days. Claiming by post we will process your claim within 15 working days. 

What is the difference between the Personal Contribution and the Own Risk?

Personal Contribution and deductible are different things. You only pay the compulsory deductible yourself per year when you need care. In 2026 this is the level of the mandatory deductible of € 385. The deductible applies to most care in the basic package.

The Personal Contribution is the part of the bill that you must always pay yourself. Even if you have already used up your deductible. The Personal Contribution can be for different types of care, for example for medicines and can vary in height. You pay the Personal Contribution over and over again (not once). The level of the Personal Contribution in 2026 is € 250.

Click here to watch our video about the difference between Personal Contribution and compulsory deductible. 

Why do I receive a different amount than I have entered?

You enter the amount of the personal contribution yourself when you submit a claim. This is checked after submission by a TBR Netherlands employee. In the overview of your declarations, you will see the definitive amount that you will receive with the approved declarations. The amount can still change as long as the claim is still being processed.