How I sort

You choose the order. Below, for each sort order, I explain what I sort on and what I do when two policies come out equal. I show every policy that matches your filters. There are no paid placements, and fees I receive have no influence on the order.

Expected yearly cost

For each policy I add up what you pay in a year: the premium for the basic insurance and any supplementary packages, minus a group discount, plus the deductible, personal contributions and care costs that are not covered. I calculate this with the care use you enter. The lowest result comes first.

When results are equal: If the expected yearly cost is equal, I sort by the group (concern) the insurer belongs to and then by the code of the basic policy. That way the order is always the same for the same input.
Where you see this sort order: Default in my comparison tool and in the worked example on the home page.

Premium

I rank basic insurance policies by premium, lowest first, at the voluntary deductible you choose. I leave out a policy without a published premium at that deductible. On the home page I use the monthly premium without a voluntary deductible.

When results are equal: If the premium is equal, I sort by policy name, alphabetically, and then by the code of the policy.
Where you see this sort order: In the AI connection (MCP and API) and in the worked example on the home page.

Choice of care

I place each basic insurance policy in one of three groups, most freedom first. Full: a restitution policy, or a policy that covers non-contracted care at 100%. Limited: a budget policy, a policy with selective contracting, a policy that covers non-contracted care at less than 70%, and a policy for which I do not know that percentage. Broad: the other policies, which cover non-contracted care at 70% or more. For this grouping I use the lowest percentage the policy states across all types of care.

When results are equal: Within a group, I sort by the reimbursement percentage for non-contracted care, highest first. If you choose a type of care, I use the percentage for that type of care; a restitution policy without a percentage then counts as 100%. A policy without a known percentage comes last. After that I sort by premium, lowest first, and then by name.
Where you see this sort order: In the AI connection (MCP and API).

Customer rating

For each insurer I calculate one average from the customer ratings I collect. I convert each score to a scale of 10. A source with more reviews counts more: its weight is the logarithm (base 10) of the number of reviews plus 10. If a source does not state a number, its weight is 1. I round the average to one decimal. All policies of the same insurer get the same score. The highest score comes first; an insurer without a rating comes last. It is the same average as on each insurer page.

When results are equal: If the score is equal, I sort by premium, lowest first, and then by name.
Where you see this sort order: In the AI connection (MCP and API).

Maximum reimbursement

On a coverage page, for example for physiotherapy, I rank supplementary packages by the maximum amount they reimburse per year for that type of care, highest first. I convert a maximum over 2 to 5 years into an amount per year. A package without a maximum comes first. A package with only a maximum number of treatments and no amount comes after the packages with an amount. I only compare the main line of each package for that type of care.

When results are equal: If the maximum is equal, I sort by reimbursement percentage (highest first), then by the maximum number of treatments (highest first), then by the monthly premium for a 30-year-old (lowest first) and then by name.
Where you see this sort order: On the coverage page per type of care and year.

Lists without a sort option

The list of insurers, and the policies and packages on an insurer page or a policy page, are in alphabetical order of name.