04-01-2026
Good day Ms. Mariëlle Wouters from health insurer CZ. You know this message is issued here and it´s important. Because every Dutch citizen is required to participate in the health insurance. This solidarity is excellent. Everyone is free to choose their insurer, and each has its own ¨General Terms and Conditions¨. However, 95% of these conditions are identical for every company, and only the coverage can differ by a law minimum. Because every insurer contracts healthcare that it insures, therefore they guarantee the quality of that care.

Because of this, a complaint was filed (letter by mail) with the competent authority of my insurer CZ, about the poor quality of the family-doctor-care it insures. Hereafter has nothing been heard. After 2-3 weeks, a reminder was sent by eMail. Because without an error message, this is indeed a confirmation of receipt. eMail can only be sent to a department, so that in it is explicitly stated that a letter had already been sent and I want a response from the competent authority.

Despite this, a response came from an employee, Ms. Wouters, who is certainly not the chairperson of the board. This employee, who is representing the insurer to me, proves that it cares nothing for the (constitutional) law and therefore almost certainly also nothing for other rules or guidelines. The content of the message is then most likely worthless and by pseudo-interpretations full of fantasy.

The response concerns only the last message. Responding only to the last message is a frequently, since decades, used strategy to create taboos. My attention is drawn to the almost standard last paragraph, ¨When disagree with our answer.¨ This contains reference to the disputes committee for insurers. This guarantees that everything before that paragraph in the message is deceit or fantasy. Because anyone serious DOES want feedback and to resolve a complaint.

Indeed, the taboos are readable, which force the communication to be about nothing meaningful:> blah blah blah. Indeed, Ms. Wouters states that the insurer has no saying over the family-doctor-patient relationship. And she fills the message with text about the Dutch Healthcare Quality, Complaints and Disputes Act, in which CERTAINLY NOT the insurer participates. It´s striking, isn´t it, that every liable person/company ALWAYS responds with what they can´t do and than refers to others. Even the health insurer appears to be a part of the pinball machine ¨Healthcare¨.

But healthcare is a branch of industry where physical life (or death) or spiritual life (or ruin) is at stake. Performing a profession well in this branch is the same as performing a profession well as a carpenter, plumber, etc., and nothing special. Certainly I, have respect for a skilled worker, regardless of its profession and trade, and they are sporadic. Almost as usual, Ms. Mariëlle Wouters is busy bullying and obstructing. In blocking the resolving of a complaint, with impunity.

So, Mr. Joep de Groot, chairman of the board of health insurer CZ (the competent authority), regarding my complaints (the ¨insured care,¨ ¨fraud,¨ and ¨Terms and Conditions¨) is the final word not yet written.

This message is with the URLs, also published at the site of the legal public scrutiny:
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