How is home care paid for?
We help you with the application, free of charge
The Dutch care system is clearly divided. The government arranges heavy and long-term care through the zorgkantoor (care office). The municipality supports you in daily life and with your independence. District nursing (wijkverpleging) and personal care at home are covered by your health insurance.
Which scheme applies to you depends on your situation. RytelZorg looks at this with you and guides you through the whole application.
Which scheme suits you?
Long-term Care Act (Wlz)
For whom: people who permanently need care or supervision nearby 24 hours a day, for example with dementia or a severe disability.
Application: through the CIZ, which issues an indication. The zorgkantoor arranges the care.
Social Support Act (Wmo)
For whom: people who want to keep living independently at home, with support.
What: guidance and structure in the day.
Application: through the municipality, after a conversation about your situation.
Health Insurance Act (Zvw)
For whom: anyone who needs nursing or personal care at home.
Application: a district nurse (wijkverpleegkundige) sets the indication. District nursing does not count towards your deductible (eigen risico).
Personal budget (pgb)
Under the Wlz or the Wmo you can choose a pgb. You then purchase care yourself from the care provider of your choice. The Sociale Verzekeringsbank (SVB) pays the care provider.
Private
No indication, or need extra care? You can also pay for care yourself. We discuss the options and costs clearly in advance.
Help with the application
RytelZorg helps you in contact with the CIZ, the municipality or your health insurer, and with drawing up your care plan.
The Wlz and the Wmo side by side
| Wlz (zorgkantoor) | Wmo (municipality) | |
|---|---|---|
| Care need | Permanent and intensive: care or supervision nearby 24 hours a day | Support to keep living independently |
| Goal | Long-term care | Independence and participation in society |
| Care by RytelZorg | 24-hour care, personal care, guidance | Guidance and structure in the day |
| Care application | Arranged nationally, through the zorgkantoor | Through your municipality |
| Application | Indication by the CIZ | Wmo assessment by the municipality |
For care through your health insurance (Zvw), reimbursement can depend on your policy. We check this with you in advance.
Your rights, clearly explained
Home care is well organised in the Netherlands. These are the most important rules for you.
Wkkgz: quality and complaints
The Wkkgz (Care Quality, Complaints and Disputes Act) requires every care provider to deliver good and safe care and to have a clear complaints procedure. RytelZorg is registered with the Inspectie Gezondheidszorg en Jeugd (IGJ) and has its own complaints procedure.
Zvw: no deductible
District nursing, such as nursing and personal care at home, is part of the basic insurance and does not count towards your deductible. The amount reimbursed can depend on your policy (natura or restitutie).
Personal contribution through the CAK
For Wlz or Wmo care you usually pay a personal contribution. The CAK calculates and collects it. The amount depends on the scheme and your situation.
pgb rules
With a pgb you are the budget holder. You sign a care agreement with your care provider, which the SVB checks before paying. The hours worked are accounted for.
Decision periods
After your application, the municipality usually carries out the Wmo assessment within six weeks. The CIZ usually decides on a Wlz indication within six weeks. If you disagree with a decision, you can object within six weeks.
Privacy (GDPR)
We handle your personal and medical data confidentially, in line with the General Data Protection Regulation. We only share what is needed for your care and its funding, always in consultation with you.
Everything arranged through RytelZorg
You have one fixed point of contact. We take care of the paperwork, so you can focus on what matters.
- Free advice conversation about the Wlz, Wmo, Zvw and pgb
- Clarity from the start: we check your indication, budget or policy before care begins
- Help with the application and contact with the CIZ, municipality, zorgkantoor or health insurer
- Help with your pgb: care agreement, time sheets and claims
- Drawing up a personal care plan together
- Fixed caregivers and clear agreements on rates
- After approval, care can start quickly
Questions about funding
With a pgb, can I choose RytelZorg myself?
Yes. With a personal budget you choose your own care provider. We help you with the care agreement and the arrangements with the SVB.
What does the care cost me?
That depends on the scheme. For the Wlz and the Wmo you usually pay a personal contribution through the CAK. District nursing through your health insurance does not count towards your deductible. For private care we discuss the rates in advance.
How long does an application take?
The municipality and the CIZ usually need a few weeks. We help you submit a complete application straight away, to avoid unnecessary delays.
What if my application is rejected?
You can object within six weeks of the decision. We are happy to look at the options with you.
Want to know which care is covered for you?
Contact us for free, personal advice. We are happy to think along with you.
Our service area
How does the Dutch care system work?
The Netherlands offers a clear and well-organised care system that fits your personal situation. Responsibilities are clearly divided:
The government arranges heavy care (through the zorgkantoren).
Municipalities support daily life and independence.
Two important foundations:
Long-term Care Act (Wlz): permanent intensive care needs
Social Support Act (Wmo): independence and participation
Long-term Care Act (Wlz)
For whom: older people with dementia or people with a severe physical, intellectual or sensory disability.
What is covered:
• 24-hour care at home or in a facility
• Intensive nursing and medical care
• Personal care
• Permanent supervision
Application procedure: after assessment by the CIZ, an indication is issued. RytelZorg guides you through the whole application and the start of care.
Social Support Act (Wmo)
For whom: people who want to stay living at home with support.
What is covered:
• Daily guidance and structure for the day and social activities
Application procedure: the municipality assesses your situation and decides which support fits. RytelZorg helps you communicate with the municipality and with the application.
Wlz or Wmo: overview
| Criterion | Wlz (zorgkantoor) | Wmo (municipality) |
|---|---|---|
| Care intensity | Intensive care 24 hours a day | Preventive and supportive help |
| Goal | Need for long-term care | Promoting independence and participation in society |
| RytelZorg services | 24-hour care, personal care | Guidance |
| Care application | Arranged nationally | Through the municipality |
| Application procedure | CIZ indication | Wmo assessment by the municipality |
Full support:
We help you with your care application:
- Full support:
- Free advice on the Wlz, Wmo and pgb, a care plan that fits, and care starting as soon as it is approved
Our service area:
- The Hague and surrounding municipalities (Voorburg, Rijswijk, Leidschendam, Wassenaar, Zoetermeer, Delft)
- Want to know which care is covered for you?
- Contact us for free, personal advice.
- Professional and warm: RytelZorg
- At the service of our clients