Scoupy's 'Extra cashback €30' health-switch ad upheld for hiding the deal had ended

The Scoupy cashback app showed a screen reading "Zorgverzekeringen 28 aanbieders Extra cashback €30" — health-insurer comparison, 28 providers, an extra €30 cashback. A consumer switched to Nationale-Nederlanden's health insurance through the app on 30 December 2025, enticed by the cashback, and never received it.

Scoupy said the €30 offer applied only to insurers in an action period that had ended on 27 November 2025, and that Nationale-Nederlanden had not been in the participating list since 28 November. Yet the app still advertised the cashback without any reservation, and the '28 providers' figure was wrong — on 30 December only about 10–11 insurers actually qualified.

The RCC chairman agreed the '28 providers' claim was misleading: the number apparently referred to the whole action, not the situation at the time of the switch, and mis-stated the choice by more than double. Because the app's whole purpose is comparing insurers under a cashback action, the breadth of the offer is a relevant consumer advantage.

The chairman ruled the availability claim breached Article 8.2(b) of the Dutch Advertising Code and was therefore misleading under Article 7, recommending Scoupy not advertise in that manner again. The complaint against Nationale-Nederlanden was dismissed.