Client financing

On the Financing tab of a client record you set out how this client's care is funded: through health insurance (ZPM) or through an own contribution. Here you manage the client's insurance policies, enter payment details for an own contribution, and verify policies directly with VECOZO (COV). The tab is intended for practitioners and finance administrators.

Overview

Route	/clients/:clientId/billing (the Financing tab in the client record)
Audience	Practitioner, finance administration
Required permissions	clients.read (view); clients.update (change funding source, policies, payment details and VECOZO verification)

The tab has three parts that appear depending on the chosen funding source:

Part	When shown
Funded by	Always — here you pick one or more funding sources.
Health insurance	When ZPM / insurance is ticked — here you manage policies.
Payment details	When Own contribution is ticked — here you enter IBAN and account holder.

Note: policies are saved immediately when you add, edit or delete them. The Save button at the bottom only stores the funding-source choice and the own-contribution payment details. See Save.

How it works

This tab behaves differently from an ordinary form: which fields you see depends on the funding source, and not everything is saved at the same moment. The rules below explain that behaviour.

Conditional sections per funding source

The visible parts follow directly from the funding source you tick:

• ZPM / insurance reveals the Health insurance section, where you manage policies and verify them with VECOZO.
• Own contribution reveals the Payment details section, where you enter IBAN and account holder.

Both sources may be on at the same time; then both sections are visible. If you untick a source, its section disappears from view, but any details you already entered are kept.

Split save: policies separately, the rest via Save

The screen stores data through two separate paths — this is the most surprising property of the tab:

What you change	When it is saved
Adding, editing or deleting a policy	Immediately — each policy is stored individually as soon as you confirm the action.
Funding source and payment details (IBAN, account holder, remarks)	Only when you click Save at the bottom.

As a result you can update policies without saving the whole tab, while a changed funding source or IBAN is lost if you leave without clicking Save.

MANUAL versus COV: the origin of a policy

Every policy has an origin that records how it came to be:

• MANUAL — entered by hand via Add policy.
• COV — fetched from a VECOZO verification.

A COV verification is a synchronization, not a wipe. The policies from VECOZO are merged into your existing list, matched on insurer + insured number:

• an existing policy that VECOZO also returns is updated;
• a new VECOZO policy is added with origin COV;
• an earlier COV policy that is no longer in the response is set to inactive — not deleted, so the history is preserved;
• manually entered MANUAL policies are left untouched.

In addition, the funding source ZPM / insurance is switched on automatically if it was still off. Every touched policy gets a fresh Last verified moment.

Conditions for VECOZO COV

Verification is only possible when every precondition is met; if one is missing, the button is disabled and a tooltip explains what is lacking:

• a valid, uploaded VECOZO certificate at the organization level;
• a 9-digit BSN for the client;
• a filled-in date of birth.

The entitlement check (Verification of Insurance Entitlement) asks VECOZO which insurance is valid on the reference date and fetches those policy details. After a successful check, each policy shows a Last verified moment.

Active versus inactive policies

The Policy is active checkbox determines whether a policy counts as current coverage. Active policies feed billing (which insurer is charged) and the COV entitlement check; inactive policies stay visible but dimmed and do not count. This lets you keep an expired or former policy as history without it affecting billing.

Choose funding source

Under Funded by you tick how the care is funded. You can select several sources at once.

Source	Explanation
ZPM / insurance	Care is reimbursed through the health insurer (Care Performance Model). This reveals the Health insurance section where you manage policies.
Own contribution	The client pays (part of it) themselves. This reveals the Payment details section for IBAN, account holder and a note.

As long as no source is ticked, the screen shows a hint to choose one. After making a change, click Save to store the choice.

Add policy

Tick ZPM / insurance and, in the Health insurance section, click Add policy. A form appears. Fill in the details and click Add to save the policy.

Field	Required	Explanation
Insurer	Yes	Pick the insurer from the list (name + UZOVI code).
Insurance type	No	Basic insurance or Supplementary insurance. Defaults to basic insurance.
Insured number	Yes	The policy/insured number, 6 to 12 characters.
Package name	No	Name of the insurance package.
Package code	No	Code of the insurance package.
Label name	No	Name of the insurer's label/brand.
Label code	No	Code of the label/brand.
Start date	No	Start date of the policy.
End date	No	End date of the policy.
Policy is active	No	Determines whether the policy counts as active. Ticked by default. See Activate or deactivate policy.

Manually added policies get the MANUAL label. Policies fetched through VECOZO get the COV label — see Verify policies via VECOZO COV.

Edit policy

Click Edit on an existing policy. The form opens with the current details, which you can adjust using the same fields as for Add policy. Click Save to store the change or Cancel to discard it. While you are editing a policy, the actions on the other policies are temporarily disabled.

Delete policy

Click Delete on a policy and confirm in the dialog. The policy is removed from the client's record immediately. Deleting cannot be undone; an accidentally deleted COV policy can be fetched again via VECOZO COV.

Activate or deactivate policy

Whether a policy counts as active is controlled by the Policy is active checkbox in the policy form. Open the form via Add policy or Edit policy, tick or untick the box, and save. Inactive policies stay visible in the list but are dimmed and show the Inactive label; active policies show the Active label.

Enter IBAN and account holder

Tick Own contribution to show the Payment details section. Here you set out the account the own contribution is collected from.

Field	Required	Explanation
IBAN	No	The client's account number. The format is validated; an invalid IBAN produces an error.
Account holder	No	The name of the account holder.
Remarks	No	Free note about the own contribution (max 1,000 characters).

Click Save to store the payment details. While the IBAN is invalid, the Save button stays disabled.

Verify policies via VECOZO COV

With Verify in the Health insurance section you check and synchronize the insurance details directly with VECOZO (Verification of Insurance Entitlement, COV). The fetched policies replace the existing list and get the COV label. The funding source ZPM / insurance is switched on automatically if it was not already.

Verification is only possible when every condition is met. If not, the button is disabled and a tooltip explains what is missing:

Condition	Explanation
Valid VECOZO certificate	The organization must have a valid, uploaded VECOZO certificate.
BSN known	The client must have a valid 9-digit BSN.
Date of birth known	The client's date of birth must be filled in.

After a successful verification, each policy shows when it was last checked with VECOZO (Last verified).

Save

The Save button at the bottom of the tab stores the chosen funding source and the payment details of the own contribution. Policies are not saved through this button: you store those individually when adding, editing or deleting them. On success a confirmation appears; the button is disabled while an entered IBAN is invalid.