{"id":21333,"date":"2026-09-19T18:49:49","date_gmt":"2026-09-19T16:49:49","guid":{"rendered":"https:\/\/www.finler.nl\/levensverzekering\/?p=21333"},"modified":"2026-10-20T12:17:20","modified_gmt":"2026-10-20T10:17:20","slug":"gezondheidsverklaring","status":"publish","type":"post","link":"https:\/\/www.finler.nl\/levensverzekering\/faq\/gezondheidsverklaring\/","title":{"rendered":"Gezondheidsverklaring en medische keuring bij levensverzekering"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row woodmart_css_id=&#8221;gezondheid-artikel-2026&#8243;][vc_column woodmart_css_id=&#8221;gezondheid-artikel-kolom&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1792491132120{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Als je een overlijdensrisicoverzekering (ORV) of uitvaartverzekering afsluit, stelt de verzekeraar bijna altijd vragen over je gezondheid. Meestal vul je daarvoor online een gezondheidsverklaring in. Soms worden daarna aanvullende vragen gesteld of is een medische keuring nodig.<\/p>\n<p>Dit artikel legt uit welke vragen je krijgt, wanneer een eventuele keuring volgt en wat je kunt doen als je wordt afgewezen.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; css=&#8221;.vc_custom_1791600000002{margin-right: 0px !important;margin-left: 0px !important;}&#8221; woodmart_css_id=&#8221;6ad1000000001&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWQxMDAwMDAwMDAxIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column_inner css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1792491140079{margin-bottom: 30px !important;padding-top: 20px !important;padding-right: 26px !important;padding-bottom: 25px !important;padding-left: 26px !important;background-color: #EBF9F9 !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6ad73e7d85394&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWQ3M2U3ZDg1Mzk0Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy1yaWdodCI6IjIwcHgiLCJwYWRkaW5nLWxlZnQiOiIyMHB4In19fQ==&#8221; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791600000004{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<p><strong>In het kort<\/strong><\/p>\n<p>[\/vc_column_text]\n\t\t<ul class=\" wd-rs-6acce88f655d0 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1791813818506\" id=\"wd-6acce88f655d0\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tBij het afsluiten krijg je vragen over je gezondheid\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHet verschilt per verzekering wat er wordt gevraagd\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tEen medische keuring is meestal niet nodig\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tJe kunt een hogere premie krijgen of worden afgewezen\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791891822793{margin-bottom: 10px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Wat is een gezondheidsverklaring?<\/h2>\n<p>Met een gezondheidsverklaring wordt beoordeeld of je door je gezondheid een grotere kans hebt om vroeg te overlijden. Op basis van die beoordeling bepaalt de verzekeraar of je de verzekering kunt afsluiten en hoeveel premie je moet betalen.<\/p>\n<p>Bij een <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/wat-is-een-overlijdensrisicoverzekering\/\">ORV<\/a> krijg je meestal een uitgebreide vragenlijst. Bij een <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/wat-is-een-uitvaartverzekering\/\">uitvaartverzekering<\/a> is de lijst meestal korter en eenvoudiger. Bij a.s.r. hoef je bijv. eerst maar twee gezondheidsvragen te beantwoorden.<\/p>\n<p>Als dat nodig is, worden je antwoorden beoordeeld door een medisch adviseur. Dit is een arts die de verzekeraar adviseert over eventuele gezondheidsrisico&#8217;s.<\/p>\n<h2>Welke vragen moet je beantwoorden?<\/h2>\n<p>In een gezondheidsverklaring beantwoord je vragen over je gezondheid op dit moment, maar ook over ziekten en klachten die je in het verleden hebt gehad. Welke vragen je krijgt, verschilt per verzekeraar. Vragen die regelmatig worden gesteld zijn:[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1791822714890{margin-right: -5px !important;margin-bottom: 10px !important;margin-left: -5px !important;}&#8221; woodmart_css_id=&#8221;6acd0b73860f3&#8243; el_class=&#8221;finler-tegels&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGI3Mzg2MGYzIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791825349114{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 12px !important;padding-bottom: 25px !important;padding-left: 12px !important;background-color: #FCF6FB !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd15bd3104b&#8221; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-4 vc_col-sm-inherit vc_col-xs-6&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTViZDMxMDRiIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd15823c976\" class=\" wd-rs-6acd15823c976 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791825289147\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-gewicht.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Lengte en gewicht<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; 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woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTVjNmE0MzcxIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0b3f2fe9b\" class=\" wd-rs-6acd0b3f2fe9b wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791822660059\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-roken.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Roken, nu of vroeger<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791825362106{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 12px !important;padding-bottom: 25px !important;padding-left: 12px !important;background-color: #FCF6FB !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd15cd88118&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-4 vc_col-sm-inherit vc_col-xs-6&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTVjZDg4MTE4Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0b454f69b\" class=\" wd-rs-6acd0b454f69b wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791822665477\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-ziektes.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Ziektes en aandoeningen<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791825369971{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 12px !important;padding-bottom: 25px !important;padding-left: 12px !important;background-color: #FCF6FB !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd15a21cef6&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-4 vc_col-sm-inherit vc_col-xs-6&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTVhMjFjZWY2Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0b4b21ffc\" class=\" wd-rs-6acd0b4b21ffc wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791822671819\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-medicijnen.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Medicijnen en behandelingen<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791825390572{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 12px !important;padding-bottom: 25px !important;padding-left: 12px !important;background-color: #FCF6FB !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd15e76193a&#8221; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-4 vc_col-sm-inherit vc_col-xs-6&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTVlNzYxOTNhIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0b51b1cc4\" class=\" wd-rs-6acd0b51b1cc4 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791822679095\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-alcohol.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Alcoholgebruik<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1791825397218{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 12px !important;padding-bottom: 25px !important;padding-left: 12px !important;background-color: #FCF6FB !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd15efbba69&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-4 vc_col-sm-inherit vc_col-xs-6&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTVlZmJiYTY5Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0b58460a5\" class=\" wd-rs-6acd0b58460a5 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791822684911\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 48px;height: 48px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-gezondheid-psychisch.svg\" loading=\"lazy\" width=\"48\" height=\"48\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Psychische klachten<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1793000000015{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Soms krijg je ook vragen over psychische klachten, zoals een depressie of angststoornis. Ook als je hiervoor jaren geleden bent behandeld, kan de verzekeraar ernaar vragen.[\/vc_column_text]\n\t\t<div id=\"wd-6ace1bc362d20\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ace1bc362d20 wd-title-color-default wd-title-style-default text-left letopkader vc_custom_1791892428180 wd-title-empty wd-underline-colored\">\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-subtitle  subtitle-color-default font-default subtitle-style-background wd-font-weight-700 wd-fontsize-xs\">LET OP<\/div>\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" ><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-after_title reset-last-child  wd-fontsize-xs\">Vul de vragenlijst altijd eerlijk en volledig in. Als de verzekeraar er later achter komt dat je belangrijke gezondheidsinformatie hebt verzwegen of onjuiste antwoorden hebt gegeven, dan kan hij na je overlijden besluiten minder of helemaal niets uit te keren.<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t[vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791822762724{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Wanneer krijg je een medische keuring?<\/h2>\n<p>Het invullen van de gezondheidsverklaring is meestal voldoende. Soms wil de medisch adviseur meer weten. Hij kan je dan aanvullende vragen stellen of met jouw toestemming informatie opvragen bij je huisarts of specialist.<\/p>\n<p>Een andere mogelijkheid is dat je een medische keuring moet ondergaan. Dat gebeurt vooral als je bepaalde gezondheidsklachten hebt of een hoog bedrag wilt verzekeren.[\/vc_column_text]\n\t\t<ul class=\" wd-rs-6ace161933a2b wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-ordered wd-style-rounded text-left finler-tijdlijn wd-shape-icon vc_custom_1791890976178\" id=\"wd-6ace161933a2b\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Gezondheidsverklaring<\/strong> <span class=\"finler-label finler-label-groen\">Meestal genoeg<\/span><br \/>Je vult online een vragenlijst over je gezondheid in.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Aanvullende vragen<\/strong> <span class=\"finler-label finler-label-geel\">Soms<\/span><br \/>De medisch adviseur stelt extra vragen of vraagt met jouw toestemming informatie op bij je huisarts of specialist.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Medische keuring<\/strong> <span class=\"finler-label finler-label-geel\">Soms<\/span><br \/>Vooral als je bepaalde gezondheidsklachten hebt of een hoog bedrag wilt verzekeren.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791891004495{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Bij Centraal Beheer krijg je bijv. vanaf \u20ac750.000 een uitgebreide medische keuring. Ben je 50 jaar of ouder, dan is een keuring al verplicht vanaf \u20ac352.201. Dit soort grensbedragen en eisen verschillen per verzekeraar.<\/p>\n<h2>Wat gebeurt er tijdens een medische keuring?<\/h2>\n<p>Een medische keuring wordt uitgevoerd door een keuringsarts. Dit is niet je eigen huisarts. Tijdens de keuring worden vragen gesteld over je gezondheid en kan lichamelijk onderzoek worden uitgevoerd.<\/p>\n<p>Daarbij kunnen bijv. je bloeddruk en gewicht worden gemeten. Soms wordt ook je bloed of urine onderzocht. Bij uitgebreider onderzoek kan een hartfilmpje nodig zijn.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1793000000026{margin-right: -5px !important;margin-bottom: 20px !important;margin-left: -5px !important;}&#8221; woodmart_css_id=&#8221;66b2000000016&#8243;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1793000000021{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 18px !important;padding-bottom: 20px !important;padding-left: 18px !important;background-color: #FEF6E4 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #F9EDCD !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b2000000011&#8243;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0a8385be8\" class=\" wd-rs-6acd0a8385be8 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none finler-kaart-tekst vc_custom_1791822472980\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-keuring-gesprek.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">1. Gesprek<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>De arts stelt vragen over je gezondheid en kan een lichamelijk onderzoek uitvoeren.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1793000000023{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 18px !important;padding-bottom: 20px !important;padding-left: 18px !important;background-color: #FEF6E4 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #F9EDCD !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b2000000013&#8243;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0a8a558a8\" class=\" wd-rs-6acd0a8a558a8 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none finler-kaart-tekst vc_custom_1791822478221\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-keuring-metingen.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">2. Metingen<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Afhankelijk van de keuring worden bijv. je bloeddruk en gewicht gemeten.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1793000000025{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 18px !important;padding-bottom: 20px !important;padding-left: 18px !important;background-color: #FEF6E4 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #F9EDCD !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b2000000015&#8243;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0a8faef45\" class=\" wd-rs-6acd0a8faef45 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none finler-kaart-tekst vc_custom_1791822483550\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-keuring-onderzoek.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">3. Extra onderzoek<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Soms wordt je bloed of urine onderzocht. Bij uitgebreidere keuringen kan een hartfilmpje nodig zijn.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791890629250{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]De verzekeraar betaalt doorgaans de kosten. Je mag een keuring weigeren, maar dan kan je aanvraag worden afgewezen.<\/p>\n<h2>Wat gebeurt er na de medische beoordeling?<\/h2>\n<p>De medisch adviseur bekijkt je gezondheidsverklaring en de eventuele aanvullende informatie. Daarna geeft hij een advies aan de verzekeraar. Er zijn vier mogelijke uitkomsten:[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1793000000036{margin-right: -5px !important;margin-bottom: 20px !important;margin-left: -5px !important;}&#8221; woodmart_css_id=&#8221;66b200000001f&#8221;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1791823214362{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 18px !important;padding-bottom: 25px !important;padding-left: 18px !important;background-color: #EAF8EF !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #CDEFD8 !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd0d6546b04&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-6 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGQ2NTQ2YjA0Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0c9a9e8fb\" class=\" wd-rs-6acd0c9a9e8fb wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top finler-kaart-tekst vc_custom_1791823007557\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-uitkomst-geaccepteerd.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Je wordt geaccepteerd<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Je kunt de verzekering afsluiten tegen de normale premie.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1791823227578{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 18px !important;padding-bottom: 25px !important;padding-left: 18px !important;background-color: #FFF9E3 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #F8EBB5 !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd0d75a4d16&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-6 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGQ3NWE0ZDE2Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0ca0e102a\" class=\" wd-rs-6acd0ca0e102a wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top finler-kaart-tekst vc_custom_1791823012901\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-uitkomst-voorwaarden.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Je krijgt aanvullende voorwaarden<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>De verzekeraar sluit bijvoorbeeld een bepaald risico uit.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1791823239602{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 18px !important;padding-bottom: 25px !important;padding-left: 18px !important;background-color: #FFF1E4 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #FBDDBF !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd0d827d886&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-6 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGQ4MjdkODg2Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0cb02640e\" class=\" wd-rs-6acd0cb02640e wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top finler-kaart-tekst vc_custom_1791823028971\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-uitkomst-hogere-premie.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Je moet meer premie betalen<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>De verzekeraar vindt het risico op overlijden hoger dan gemiddeld.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1791823246021{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 25px !important;padding-right: 18px !important;padding-bottom: 25px !important;padding-left: 18px !important;background-color: #FDECEC !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #F7CFCF !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd0d88f1735&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-6 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGQ4OGYxNzM1Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd0cbcb5055\" class=\" wd-rs-6acd0cbcb5055 wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top finler-kaart-tekst vc_custom_1791823041395\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 40px;height: 40px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/orv-uitkomst-afgewezen.svg\" loading=\"lazy\" width=\"40\" height=\"40\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-s\">Je wordt afgewezen<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>De verzekeraar vindt het risico te groot en wil je niet verzekeren.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791888110823{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Je hoeft niet direct akkoord te gaan met een hogere premie of aanvullende voorwaarden. Je kunt ook bij een andere verzekeraar een aanvraag doen.<\/p>\n<p>Je hebt het recht om het medisch advies eerst zelf te ontvangen. Ben je het niet eens met het advies, dan kun je voorkomen dat het naar de verzekeraar wordt gestuurd. Je trekt dan je aanvraag in. Dit heet het <em>blokkeringsrecht<\/em>.<\/p>\n<h2>Wat mag de verzekeraar niet vragen?<\/h2>\n<p>Een verzekeraar mag vragen naar je gezondheid, maar niet alles. Vooral voor vragen over erfelijke aanleg gelden beperkingen. Voor levensverzekeringen geldt in 2026 een wettelijke vragengrens van \u20ac352.200.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1793000000052{margin-right: -5px !important;margin-bottom: 20px !important;margin-left: -5px !important;}&#8221; woodmart_css_id=&#8221;66b200000002d&#8221;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1793000000050{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #F6F6F8 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b200000002b&#8221;]\n\t\t<div id=\"wd-6ace1d95035ae\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ace1d95035ae wd-title-color-default wd-title-style-default text-left vc_custom_1791892910381 wd-title-empty wd-underline-colored\">\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-subtitle  subtitle-color-default font-default subtitle-style-background wd-font-weight-700 wd-fontsize-xs\">TOT \u20ac352.200<\/div>\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" ><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t\t\t<div id=\"wd-66b2000000024\" class=\"wd-text-block wd-wpb reset-last-child wd-rs-66b2000000024 text-left wd-font-weight-700 wd-fontsize-s vc_custom_1793000000043\">\n\t\t\t<p>Erfelijkheid beschermd<\/p>\n\t\t<\/div>\n\t\t\n\t\t<ul class=\" wd-rs-66b2000000025 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1793000000044\" id=\"wd-66b2000000025\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen vragen over de uitslag van erfelijkheidsonderzoek\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen vragen over erfelijke aanleg waarvoor je nog geen klachten hebt\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\n\t\t<ul class=\" wd-rs-66b2000000026 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1793000000045\" id=\"wd-66b2000000026\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-xmark\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHeb je de ziekte of klachten al? Dan moet je die wel melden\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1793000000051{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #F6F6F8 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-color: #EFE8EE !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b200000002c&#8221;]\n\t\t<div id=\"wd-6ace1db12b1fb\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ace1db12b1fb wd-title-color-default wd-title-style-default text-left vc_custom_1791892917569 wd-title-empty wd-underline-colored\">\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-subtitle  subtitle-color-default font-default subtitle-style-background wd-font-weight-700 wd-fontsize-xs\">BOVEN \u20ac352.200<\/div>\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" ><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t\t\t<div id=\"wd-66b2000000028\" class=\"wd-text-block wd-wpb reset-last-child wd-rs-66b2000000028 text-left wd-font-weight-700 wd-fontsize-s vc_custom_1793000000047\">\n\t\t\t<p>Meer vragen toegestaan<\/p>\n\t\t<\/div>\n\t\t\n\t\t<ul class=\" wd-rs-66b2000000029 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1793000000048\" id=\"wd-66b2000000029\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-xmark\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVragen over erfelijke ziekten mogen\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-xmark\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVragen over eerder erfelijkheidsonderzoek mogen\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t<div id=\"wd-66b200000002a\" class=\"wd-text-block wd-wpb reset-last-child wd-rs-66b200000002a text-left wd-fontsize-xs vc_custom_1793000000049\">\n\t\t\t<p><strong>Let op:<\/strong> boven de vragengrens word je niet automatisch medisch gekeurd.<\/p>\n\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791891156015{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Onder die grens mogen geen vragen worden gesteld over je erfelijke aanleg of de uitslag van een DNA-onderzoek. Blijkt uit zo&#8217;n onderzoek bijv. dat je een verhoogde kans hebt op een erfelijke ziekte, maar heb je zelf geen klachten? Dan hoef je dat niet te melden. Heb je de ziekte wel of heb je al klachten, dan moet je die melden als ernaar wordt gevraagd.<\/p>\n<p>Boven de vragengrens van\u00a0\u20ac352.200 mogen meer vragen worden gesteld over erfelijke ziekten en eerder erfelijkheidsonderzoek. Dat betekent overigens niet dat je automatisch medisch gekeurd moet worden.<\/p>\n<h2>Wie mag je medische gegevens bekijken?<\/h2>\n<p>Je gezondheidsverklaring komt terecht bij de medisch adviseur en zijn medische team. Zij hebben een geheimhoudingsplicht. Andere medewerkers van de verzekeringsmaatschappij mogen je medisch dossier niet zomaar inzien.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; woodmart_css_id=&#8221;6acd11e2308f8&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTFlMjMwOGY4Iiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column_inner css_animation=&#8221;none&#8221; woodmart_css_id=&#8221;6acd0aff93670&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMGFmZjkzNjcwIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t<div class=\"wd-wpb wd-rs-6acd0cf1badf0 vc_custom_1791823100620\">\n\t\t\t<div class=\"wd-el-table-wrap wd-reset-all-last\">\n\t\t\t\t<table class=\"wd-el-table\">\n\t\t\t\t\t<tbody class=\"text-left\">\n\t\t\t\t\t\t\t\t<tr class=\" wd-rs-66b200000002f\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tWie\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMedisch dossier\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAdvies\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-66b2000000030\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMedisch adviseur en team\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-solid fa-circle-check\" style=\"color:#37da64\"><\/i> Ja\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-solid fa-circle-check\" style=\"color:#37da64\"><\/i> Ja\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-66b2000000031\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAndere medewerkers verzekeraar\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-solid fa-circle-xmark\" style=\"color:#e3080a\"><\/i> Nee\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"fa fa-solid fa-circle-check\" style=\"color:#37da64\"><\/i> Ja\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-66b2000000032\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tJe huisarts (gegevens doorgeven)\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"2\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAlleen met jouw toestemming\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1793000000057{margin-top: 15px !important;margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]De medisch adviseur geeft aan de verzekeraar alleen het advies dat nodig is om over je aanvraag te beslissen. Ook je huisarts mag niet zomaar medische gegevens doorgeven. Daarvoor moet je eerst toestemming geven.<\/p>\n<h2>Heb je kanker gehad?<\/h2>\n<p>Als je vroeger kanker hebt gehad, kan het lastiger zijn om een levensverzekering af te sluiten. De verzekeraar kan een hogere premie vragen of je aanvraag afwijzen.<\/p>\n<p>Er bestaat wel een regeling waardoor je na een aantal jaren niet meer hoeft te vermelden dat je kanker hebt gehad. Dit heet de <em>schone-lei-regeling<\/em>.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; css=&#8221;.vc_custom_1793000000061{margin-right: 0px !important;margin-bottom: 20px !important;margin-left: 0px !important;}&#8221; woodmart_css_id=&#8221;66b2000000038&#8243;][vc_column_inner css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791825114138{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 28px !important;padding-right: 28px !important;padding-bottom: 27px !important;padding-left: 28px !important;background-color: #EAF3FB !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd14cf6eab8&#8243; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTRjZjZlYWI4Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\t\t<div id=\"wd-6acd14ea30d97\" class=\"wd-text-block wd-wpb reset-last-child wd-rs-6acd14ea30d97 text-left wd-font-weight-700 wd-fontsize-s vc_custom_1791825135416\">\n\t\t\t<p>Val je onder de schone-lei-regeling?<\/p>\n\t\t<\/div>\n\t\t\n\t\t<ul class=\" wd-rs-6acd138006e78 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left finler-boven vc_custom_1791825102008\" id=\"wd-6acd138006e78\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-square-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>10 jaar kankervrij<\/strong>, of 5 jaar als je jonger dan 21 was toen je kanker kreeg. Bij sommige vormen van kanker geldt een kortere termijn.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-square-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>ORV:<\/strong> de verzekering eindigt voordat je 71 jaar wordt.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-square-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Uitvaartverzekering:<\/strong> je sluit de verzekering af voordat je 61 jaar wordt.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-square-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHet verzekerde bedrag blijft <strong>onder de wettelijke vragengrens<\/strong>.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791890880991{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Sommige verzekeraars zijn soepeler. Bij a.s.r. hoef je voor een uitvaartverzekering je kankerverleden bijv. na vijf jaar niet meer te melden, ongeacht de leeftijd waarop je kanker kreeg.<\/p>\n<p>Heb je nog klachten die door de kanker of de behandeling zijn ontstaan? Dan moet je die vermelden als de verzekeraar ernaar vraagt. Op <a href=\"https:\/\/www.kanker.nl\/gevolgen-van-kanker\/verzekeringen-en-kanker\/algemeen\/schone-lei-regeling-voor-ex-kankerpatienten\" target=\"_blank\" rel=\"noopener\">kanker.nl<\/a> kun je controleren wanneer je onder de schone-lei-regeling valt.<\/p>\n<h2>Wat als je iets niet hebt vermeld?<\/h2>\n<p>Je bent verplicht om de vragen in de gezondheidsverklaring eerlijk en volledig te beantwoorden. Dit heet de wettelijke <em>mededelingsplicht<\/em>.<\/p>\n<p>Verzwijg je bijv. dat je een ernstige ziekte hebt gehad, dan kan de verzekeraar daar later achter komen. In bepaalde gevallen mag hij de verzekering aanpassen of be\u00ebindigen. Ook kan hij na je overlijden besluiten minder of niets uit te keren.<\/p>\n<p>Maar dat mag niet zomaar. De verzekeraar moet ook zelf duidelijke vragen stellen. In oktober 2026 deed Kifid hierover een uitspraak. Een vrouw had bij het afsluiten van een uitvaartverzekering niet vermeld dat ze eerder koorts, malaise en afwijkende bloeduitslagen had gehad. De verzekeraar weigerde na haar overlijden de uitvaartkosten te betalen.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; css=&#8221;.vc_custom_1791824872652{margin-right: 0px !important;margin-bottom: 15px !important;margin-left: 0px !important;}&#8221; woodmart_css_id=&#8221;6acd13e4806be&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTNlNDgwNmJlIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column_inner css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1793000000064{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 22px !important;padding-right: 24px !important;padding-bottom: 22px !important;padding-left: 24px !important;background-color: #F6F6F8 !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;66b200000003a&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6acd1321b3d0e\" class=\" wd-rs-6acd1321b3d0e wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top vc_custom_1791824684068\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\t\t\t\t\t\t\t\t<div class=\"info-svg-wrapper\" style=\"width: 44px;height: 44px;\"><img decoding=\"async\"  src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/lev-citaat.svg\" loading=\"lazy\" width=\"44\" height=\"44\"><\/div>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Volgens Kifid mocht de vrouw deze klachten echter niet als een aandoening beschouwen. De verzekeraar had duidelijkere vragen moeten stellen.<\/p>\n<p><small><a href=\"https:\/\/www.kifid.nl\/nieuws\/kifid-verzekeraar-moet-alsnog-uitvaartkosten-vergoeden\/\" target=\"_blank\" rel=\"noopener\">Kifid-uitspraak<\/a>, oktober 2026<\/small><\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1792491363905{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]De verzekeraar moest daarom alsnog \u20ac7.000 aan uitvaartkosten vergoeden.<\/p>\n<h2>Wat als je wordt afgewezen?<\/h2>\n<p>Als een verzekeraar je aanvraag afwijst, betekent dat niet dat je nergens meer een levensverzekering kunt afsluiten. Verzekeraars beoordelen gezondheidsrisico&#8217;s namelijk niet allemaal op dezelfde manier.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; css=&#8221;.vc_custom_1793000000069{margin-right: 0px !important;margin-bottom: 30px !important;margin-left: 0px !important;}&#8221; woodmart_css_id=&#8221;66b200000003e&#8221;][vc_column_inner css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791825065810{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 28px !important;padding-right: 26px !important;padding-bottom: 27px !important;padding-left: 26px !important;background-color: #EAF3FB !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6acd14a2e85da&#8221; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWNkMTRhMmU4NWRhIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; wd_z_index=&#8221;no&#8221;]\n\t\t<ul class=\" wd-rs-6ace15ad074ff wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-ordered wd-style-rounded text-left wd-shape-icon vc_custom_1791891632891\" id=\"wd-6ace15ad074ff\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Vraag waarom je bent afgewezen<\/strong><br \/>Misschien is er sprake van een misverstand of is bepaalde medische informatie niet goed beoordeeld.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Probeer een andere verzekeraar<\/strong><br \/>Die mag je niet vragen of je eerder vanwege je gezondheid bent afgewezen.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Pas je aanvraag aan<\/strong><br \/>Verzeker een <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/berekenen\/\">lager bedrag<\/a> of kies een kortere looptijd.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Niet eens met de beslissing?<\/strong><br \/>Dien een klacht in bij de verzekeraar. Kom je er samen niet uit, dan kun je in veel gevallen terecht bij het <a href=\"https:\/\/www.kifid.nl\/ik-heb-een-klacht\/\" target=\"_blank\" rel=\"noopener\">Kifid<\/a>.\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1792491324601{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Gezondheidsverklaring in \u00e9\u00e9n minuut<\/h2>\n<p>[\/vc_column_text]\t\t<div class=\"wd-el-video wd-wpb wd-rs-6ad73eacbdac2 wd-enabled-width wd-action-overlay wd-video-youtube vc_custom_1792491256078 wd-with-aspect-ratio\">\n\t\t\t\t\t\t\t<iframe data-lazy-load=\"https:\/\/www.youtube.com\/embed\/iPQFTUELKg0?feature=oembed&loop=0&mute=0&controls=1\" allowfullscreen allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" width=\"100%\" height=\"100%\" loading=\"lazy\" aria-label=\"Video player\"><\/iframe>\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"wd-el-video-overlay wd-fill\">\n\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur.jpg\" class=\"attachment- size-\" alt=\"Gezondheidsverklaring\" srcset=\"https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur.jpg 1920w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-300x169.jpg 300w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-1024x576.jpg 1024w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-768x432.jpg 768w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-1536x864.jpg 1536w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-600x338.jpg 600w, https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/09\/Gezondheidsverklaring-Miniatuur-150x84.jpg 150w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"wd-el-video-control color-scheme-light wd-fill\">\n\t\t\t\t\t<span class=\"wd-el-video-play-btn\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t<a class=\"wd-el-video-link wd-el-video-btn-overlay wd-fill\" href=\"http:\/\/youtu.be\/iPQFTUELKg0?si=xiAWXsJFWY1IsbmJ\" aria-label=\"Play video\" target=\"_blank\" rel=\"noopener\"><\/a>\n\t\t\t\t\t<\/div>\n\t\t[vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791600000042{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Veelgestelde vragen<\/h2>\n<p>[\/vc_column_text]\n\t\t<div id=\"wd-6ad73f7900098\" class=\"wd-accordion wd-wpb wd-rs-6ad73f7900098 vc_custom_1792491414408 wd-style-shadow wd-titles-left wd-opener-pos-right wd-opener-style-plus\" data-state=\"all_closed\">\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"0\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tMag de verzekeraar mijn huisarts om informatie vragen?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Ja, maar alleen met jouw toestemming. De medisch adviseur mag gerichte medische informatie opvragen die nodig is om je aanvraag te beoordelen. Je huisarts mag niet zomaar je volledige medisch dossier opsturen.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"1\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tWat als mijn gezondheid verandert na het afsluiten?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Als je verzekering definitief is geaccepteerd, hoef je nieuwe ziekten of klachten normaal gesproken niet meer te melden. Verandert je gezondheid terwijl je aanvraag nog wordt beoordeeld, dan moet je dit wel doorgeven.<\/p>\n<p>Bij een ORV moet je overigens wel doorgeven als je (weer) bent begonnen met roken.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"2\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tMoet ik opnieuw een gezondheidsverklaring invullen als ik mijn verzekering verhoog?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Dat kan. Als je het verzekerde bedrag verhoogt, neemt het risico voor de verzekeraar toe. Daarom kan hij opnieuw vragen naar je gezondheid. Bij een verlaging is dat meestal niet nodig.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"3\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tWanneer word ik als niet-roker gezien?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Dat verschilt per verzekeraar. Bij een ORV moet je vaak minimaal twee jaar zijn gestopt met roken voordat je voor een <a href=\"https:\/\/www.finler.nl\/levensverzekering\/faq\/kosten\/\">niet-rokerspremie<\/a> in aanmerking komt. Ook e-sigaretten en andere nicotineproducten worden meegeteld.<\/p>\n<p>Bij uitvaartverzekeringen wordt doorgaans geen onderscheid gemaakt in premie tussen rokers en niet-rokers.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"4\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tKan ik een levensverzekering afsluiten zonder medische keuring?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Ja. Bij de meeste aanvragen is alleen een gezondheidsverklaring nodig. Of je toch medisch gekeurd moet worden, hangt af van je antwoorden, je leeftijd, het verzekerde bedrag en de regels van de verzekeraar.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<style data-type=\"vc_shortcodes-custom-css\">.vc_custom_1791364233179{margin-right: 0px !important;margin-left: 0px !important;}.vc_custom_1793034677594{margin-bottom: 30px !important;padding-top: 48px !important;padding-right: 48px !important;padding-bottom: 36px !important;padding-left: 48px !important;background: #801E64 url(https:\/\/www.finler.nl\/levensverzekering\/wp-content\/uploads\/sites\/52\/2026\/10\/pear-purple.svg) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: contain !important;border-radius: 10px !important;}.vc_custom_1791195518424{margin-bottom: 14px !important;}.vc_custom_1791370215368{margin-top: 10px !important;margin-right: 12px !important;margin-bottom: 12px 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woodmart_css_id=\"6adf89ae0c335\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWRmODlhZTBjMzM1Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy10b3AiOiIzMnB4IiwicGFkZGluZy1yaWdodCI6IjI0cHgiLCJwYWRkaW5nLWJvdHRvbSI6IjIwcHgiLCJwYWRkaW5nLWxlZnQiOiIyNHB4In19fQ==\" offset=\"vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit\" parallax_scroll=\"no\" woodmart_sticky_column=\"false\" wd_collapsible_content_switcher=\"no\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_box_shadow=\"no\" wd_z_index=\"no\"]\n\t\t<div id=\"wd-6ac377fe06a22\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ac377fe06a22 wd-title-color-default wd-title-style-default text-left titel-regels vc_custom_1791195518424 wd-underline-colored\">\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" >WEET WAT JE REGELT.<br \/>\r\nVERGELIJK EERST.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-after_title reset-last-child  wd-fontsize-xs\">Wil je je gezin financieel beschermen bij overlijden of de kosten van je uitvaart verzekeren? Vergelijk premies en voorwaarden. Gratis en zonder je gegevens achter te laten.<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t<div id=\"wd-6ac623c79ae80\" class=\" wd-rs-6ac623c79ae80 hidden-xs vc_custom_1791370215368 wd-button-wrapper text-center inline-element\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/overlijdensrisicoverzekering\/\" title=\"Overlijdensrisicoverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Overlijden<\/a><\/div><div id=\"wd-6ac623d99dcda\" class=\" wd-rs-6ac623d99dcda hidden-xs vc_custom_1791370208472 wd-button-wrapper text-center inline-element\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/uitvaartverzekering\/\" title=\"Uitvaartverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Uitvaart<\/a><\/div><div id=\"wd-6ac623c6ee6d7\" class=\" wd-rs-6ac623c6ee6d7 hidden-lg hidden-md hidden-sm vc_custom_1791370222584 wd-button-wrapper text-left\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/overlijdensrisicoverzekering\/\" title=\"Overlijdensrisicoverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">ORV&#039;s vergelijken<\/a><\/div><div id=\"wd-6ac623ef0c306\" class=\" wd-rs-6ac623ef0c306 hidden-lg hidden-md hidden-sm vc_custom_1791370237654 wd-button-wrapper text-left\"><a href=\"https:\/\/www.finler.nl\/levensverzekering\/uitvaartverzekering\/\" title=\"Uitvaartverzekering afsluiten\" class=\"btn btn-style-default btn-shape-semi-round btn-size-large\">Uitvaart vergelijken<\/a><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\r\n<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row woodmart_css_id=&#8221;gezondheid-artikel-2026&#8243;][vc_column woodmart_css_id=&#8221;gezondheid-artikel-kolom&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1792491132120{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Als je een overlijdensrisicoverzekering (ORV) of uitvaartverzekering afsluit, stelt de verzekeraar bijna<\/p>\n","protected":false},"author":76,"featured_media":21347,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3026],"tags":[],"class_list":["post-21333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kosten-en-uitkering"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/users\/76"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/comments?post=21333"}],"version-history":[{"count":5,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21333\/revisions"}],"predecessor-version":[{"id":22074,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21333\/revisions\/22074"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media\/21347"}],"wp:attachment":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media?parent=21333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/categories?post=21333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/tags?post=21333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}