With the end of the year approaching again, choosing a health insurance is once again on our 'to do list'. You may therefore be wondering whether physiotherapy is covered by your insurer? In most cases, physiotherapy is reimbursed from supplementary insurance. If you do not have supplementary insurance, you will almost always have to pay for your physiotherapy treatment yourself. Fortunately, there are some exceptions! Curious? In this blog, you will read more about the 4 treatments you did not know are covered by the basic insurance!
Terms and conditions of basic insurance
First, it is important to note that the Central government determines for which complaints physiotherapy is reimbursed from the basic insurance. What you are reimbursed depends on your age and the reason why you need physiotherapy. To be eligible for reimbursement under the basic insurance, you must always have a referral from a doctor or medical specialist.
Also note that with basic insurance, you always have a deductible of €385 (2022). Do you have questions about your insurance reimbursement? Or do you doubt whether your condition is eligible for reimbursement? If so, always contact your own health insurer first or check your policy conditions.
1. Young people up to 18 years of age
Is your child not yet 18 years old? Then (children's) physiotherapy partially reimbursed from the basic insurance. You are entitled to the first 9 treatments for physiotherapy or remedial therapy. Are these 9 treatments not enough? Then your health insurer may choose to reimburse a further maximum of 9 treatments.
2. Chronic diseases
For both children and adults, the Health Insurance Act includes a list of chronic diseases established, whose treatment is reimbursed from the basic insurance. You can think of various disorders of the nervous system, such as muscle diseases or MS, but also disorders after trauma, such as whiplash or rehabilitation after an amputation.
For young people up to 18 years of age, they can even be reimbursed for all physiotherapy treatments and remedial therapy. Above 18 years of age, if you have a chronic condition, you will be reimbursed from the 21st treatment. So you pay for the first 20 treatments yourself, whether or not from supplementary insurance. The 20 treatments apply per disorder and not per calendar year.
3. Pelvic physiotherapy for urinary incontinence
After pregnancy or during aging, you may experience urinary incontinence. In that case, the first 9 treatments at a pelvic physiotherapist reimbursed from the basic insurance.
4. Exercise therapy
Exercise therapy differs from regular physiotherapy; physiotherapy often helps treat your complaint directly, while exercise therapy focuses on doing exercises yourself and becoming aware of your movement behaviour. The exercise therapist not only looks at your complaint, but also at the obstacles in your daily life. An exercise therapist can therefore help well with long-term symptoms, such as osteoarthritis, intermittent claudication and COPD.
- Osteoarthritis: in case of osteoarthritis of your knee or hip joint, the first 12 sessions of exercise therapy are reimbursed from the basic insurance.
- Claudicatio Intermittens (leg ulcers): it has been scientifically proven that exercise therapy for etalage legs has great effects and can often even prevent surgery. Therefore, the basic insurance reimburses the first 37 exercise therapy sessions.
- COPD: with this annoying lung disease, you will benefit from very regular exercise under proper guidance. The basic insurance therefore reimburses a maximum of the first 70 treatments. The number of treatments reimbursed in subsequent years depends on the degree and course of your COPD.
Do you have any questions or would you like to make an appointment?
Then contact us by the contact form on our website, by calling 085-5000333 or sending an email to info@friskfysio.nl. We will always answer your question as soon as possible!
