What is the main difference between 'in-kind' and 'reimbursement' health insurance contracts in the Netherlands?

In an 'in-kind' contract, the insurer arranges care with contracted providers, often at no cost beyond deductibles. In a 'reimbursement' contract, the insured can choose providers and claim reimbursement, potentially facing higher out-of-pocket costs if the price exceeds the Dutch market rate.