{"id":13576,"date":"2024-12-10T17:00:53","date_gmt":"2024-12-10T16:00:53","guid":{"rendered":"https:\/\/www.friskfysio.nl\/?p=13576"},"modified":"2024-12-10T17:01:40","modified_gmt":"2024-12-10T16:01:40","slug":"aanvullende-verzekering-fysiotherapie-2025","status":"publish","type":"post","link":"https:\/\/www.friskfysio.nl\/en\/aanvullende-verzekering-fysiotherapie-2025\/","title":{"rendered":"Our tips for choosing the best supplementary insurance for physiotherapy 2025"},"content":{"rendered":"<p><strong>The end of the year is approaching and many people are looking for health insurance that suits their needs. Health insurance premiums will rise again in 2025. Do you need physiotherapy? Then it is important to take an extra critical look at your health insurance, as physiotherapy is only reimbursed to a limited extent from the basic insurance. In this article, you will read what the basic insurance reimburses in 2025 and get tips on choosing the right supplementary insurance. We have also compiled a top 3 of the cheapest insurers per number of treatments.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><b>Alternative to supplementary insurance: the FRISK package<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Are you considering supplementary insurance for physiotherapy? The FRISK physiotherapy package may be an interesting alternative. Until the end of the year, you will receive <\/span><b>35% discount<\/b><span style=\"font-weight: 400\"> on the package <\/span><i><span style=\"font-weight: 400\">Physiotherapy 21<\/span><\/i><span style=\"font-weight: 400\">. This reduces the price from \u20ac950.25 to \u20ac617.66, or \u20ac51.50 a month. You pay only when you need care and the package is valid indefinitely, including in future years. In addition, payment in instalments is possible.<\/span><\/p>\n<p><span style=\"font-weight: 400\">After purchase, you will also receive extra points for discounts on your next purchase in the FRISK webshop. Unsure about supplementary insurance? Then consider the flexibility of a FRISK package.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>What does the basic insurance cover for physiotherapy in 2025?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">The basic insurance reimburses physiotherapy only in specific cases determined by the government:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Chronic diseases<\/b><span style=\"font-weight: 400\">: For chronic conditions (included in the official list*), physiotherapy is reimbursed from the <\/span><b>21st treatment<\/b><span style=\"font-weight: 400\">. You pay for the first 20 treatments yourself, unless you have supplementary insurance.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Children up to 18 years<\/b><span style=\"font-weight: 400\">: The basic insurance covers 9 treatments per year. If medically necessary, this can be extended by another 9 treatments.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Pelvic physiotherapy for urinary incontinence<\/b><span style=\"font-weight: 400\">: Up to a maximum of 9 treatments.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Exercise therapy for specific conditions<\/b><span style=\"font-weight: 400\">:<\/span>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Osteoarthritis (hip or knee joints): Up to 12 treatments.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Claudicatio intermittens (leg ulcers): Up to 37 treatments.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">COPD: Up to 70 treatments in the first year.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400\"><b>Fall prevention programme<\/b><span style=\"font-weight: 400\">: A training to reduce the risk of falling. You will need a referral from your GP for this.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">*Do you want to know if your condition is on the list of chronic conditions? Check with your health insurer or physiotherapist.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>When is supplementary physiotherapy insurance useful?<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Whether additional insurance is necessary depends on your personal situation and care needs. Ask yourself the following questions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Do I exercise intensively and am I at risk of injury?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Do I often have complaints, such as back pain or weak joints?<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Am I willing to pay per treatment myself, or do I prefer to pay a monthly premium?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">The cost of physiotherapy treatment in 2025 is on average between <\/span><b>\u20ac45 and \u20ac60<\/b><span style=\"font-weight: 400\">. Specialised treatments, such as manual therapy, are often more expensive.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Tips on choosing the right supplementary insurance<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400\"><b>Determine your care needs<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Do you expect to need many treatments? Then choose supplementary insurance with higher coverage. For only a few treatments, lower coverage may suffice.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Compare insurers<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Physiotherapy reimbursements vary widely between insurers. Use comparison sites such as<\/span><a href=\"https:\/\/www.independer.nl\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Independer<\/span><\/a><span style=\"font-weight: 400\">,<\/span><a href=\"https:\/\/www.zorgkiezer.nl\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Zorgkiezer<\/span><\/a><span style=\"font-weight: 400\"> or<\/span><a href=\"https:\/\/www.zorgwijzer.nl\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Care Guide<\/span><\/a><span style=\"font-weight: 400\"> to make the best choice.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Check conditions<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Pay attention to things like waiting times, free choice of therapists and any exclusions in the policy conditions.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Do not choose too comprehensive cover if it is not necessary<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Don't pay unnecessarily for comprehensive packages if you expect little physiotherapy.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Check reimbursements for preventive care<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Some insurances offer coverage for preventive treatments. This can be interesting if you want to prevent symptoms.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Consider combination packages<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400\">Insurers often combine physiotherapy with alternative care, such as chiropractic. This can be convenient, but beware of the higher premium.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h2><b>Supplementary insurance: what is a good choice?<\/b><\/h2>\n<p><span style=\"font-weight: 400\">The best supplementary physiotherapy insurance depends on your personal situation and expectations for the coming year. So how do you choose the health insurance that suits you best? First check what care you will actually need in 2025. Also look at what criteria are important to you, such as choice of hospitals and other care options.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">If you use physiotherapy often, then supplementary insurance is highly recommended. Grab your current policy and start comparing. Most health insurers reimburse a maximum number of treatments per year. Decide how many treatments you need: 6, 9, 12, 18 or 27.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Some health insurers do not calculate in number of treatments, but reimburse a maximum amount per year for physiotherapy. You can use our rates to calculate how many treatments you will be reimbursed.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>The cheapest supplementary insurance policies in 2025<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Below are the top 3 insurers by number of treatments per year*:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>27 physiotherapy treatments<\/b><\/p>\n<table style=\"height: 156px\" width=\"700\">\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Package<\/b><\/td>\n<td><b>Care Choice<\/b><\/td>\n<td><b>Premium p\/m<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">DSW Health insurer<\/span><\/td>\n<td><span style=\"font-weight: 400\">Healthcare policy AV Top<\/span><\/td>\n<td><span style=\"font-weight: 400\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 207,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">Stad Holland Health insurer<\/span><\/td>\n<td><span style=\"font-weight: 400\">Health policy extended AV\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 215,75<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">ONVZ<\/span><\/td>\n<td><span style=\"font-weight: 400\">Free choice basic insurance Free choice Optifit<\/span><\/td>\n<td><span style=\"font-weight: 400\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 213,05<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>18 physiotherapy treatments<\/b><\/p>\n<table style=\"height: 156px\" width=\"700\">\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Package<\/b><\/td>\n<td><b>Care Choice<\/b><\/td>\n<td><b>Premium p\/m<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">a.s.r.<\/span><\/td>\n<td><span style=\"font-weight: 400\">Conscious Choice Care Best<\/span><\/td>\n<td><span style=\"font-weight: 400\">Very spacious<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 183,45<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">The Friesland<\/span><\/td>\n<td><span style=\"font-weight: 400\">Alles Verzorgd Polis AV Extra policy<\/span><\/td>\n<td><span style=\"font-weight: 400\">Very spacious<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 186,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">ONVZ<\/span><\/td>\n<td><span style=\"font-weight: 400\">Free choice basic insurance Free choice Benfit<\/span><\/td>\n<td><span style=\"font-weight: 400\">Full<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 188,85<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>12 physiotherapy treatments<\/b><\/p>\n<table style=\"height: 156px\" width=\"700\">\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Package<\/b><\/td>\n<td><b>Care Choice<\/b><\/td>\n<td><b>Premium p\/m<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">a.s.r.<\/span><\/td>\n<td><span style=\"font-weight: 400\">Deliberate choice ZorgBeter<\/span><\/td>\n<td><span style=\"font-weight: 400\">Very spacious<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 168,45<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">Silver Cross<\/span><\/td>\n<td><span style=\"font-weight: 400\">Basic Budget + Supplementary 2 stars<\/span><\/td>\n<td><span style=\"font-weight: 400\">Restricted<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 172,00<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">Christian Health Insurer\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400\">Principle Policy Budget + Medium Policy<\/span><\/td>\n<td><span style=\"font-weight: 400\">Restricted<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 172,00<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>9 physiotherapy treatments<\/b><\/p>\n<table style=\"height: 156px\" width=\"700\">\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Package<\/b><\/td>\n<td><b>Care Choice<\/b><\/td>\n<td><b>Premium p\/m<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">a.s.r.<\/span><\/td>\n<td><span style=\"font-weight: 400\">Conscious Choice Care Good<\/span><\/td>\n<td><span style=\"font-weight: 400\">Restricted<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 161,00<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">Aevitae (EUCARE)<\/span><\/td>\n<td><span style=\"font-weight: 400\">Basic insurance Natura Select<\/span><\/td>\n<td><span style=\"font-weight: 400\">Very limited<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 161,85<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">The Friesland<\/span><\/td>\n<td><span style=\"font-weight: 400\">Zelf Bewust Polis AV Doorstap<\/span><\/td>\n<td><span style=\"font-weight: 400\">Restricted<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 162,20<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>6 physiotherapy treatments<\/b><\/p>\n<table style=\"height: 155px\" width=\"700\">\n<tbody>\n<tr>\n<td><b>Insurer<\/b><\/td>\n<td><b>Package<\/b><\/td>\n<td><b>Care Choice<\/b><\/td>\n<td><b>Premium p\/m<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">FBTO<\/span><\/td>\n<td><span style=\"font-weight: 400\">FBTO Basis + Muscles &amp; Joints<\/span> <span style=\"font-weight: 400\">200<\/span><\/td>\n<td><span style=\"font-weight: 400\">Spacious<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 154,20<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">The Friesland<\/span><\/td>\n<td><span style=\"font-weight: 400\">Zelf Bewust Polis + AV Opstapstap<\/span><\/td>\n<td><span style=\"font-weight: 400\">Spacious<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 155,90<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400\">CZdirect\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400\">CZdirect Physio 6<\/span><\/td>\n<td><span style=\"font-weight: 400\">Restricted<\/span><\/td>\n<td><span style=\"font-weight: 400\">\u20ac 154,50<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><i><span style=\"font-weight: 400\">*Source: Independer<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Please note: the maximum reimbursement applies to all therapies together. So if you get reimbursed for a maximum of 12 treatments per year, this includes all treatments that the health insurer counts as 'physiotherapy'.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Alternative: FRISK packages<\/b><\/h3>\n<p><span style=\"font-weight: 400\">FRISK's physiotherapy package offers an interesting option if you are unsure about supplementary insurance. With a package of <\/span><b>FRISKFYSIO<\/b><span style=\"font-weight: 400\"> you save directly on healthcare costs and pay only when needed. This can be more advantageous than a monthly premium. Moreover, our packages are unlimited and transferable to subsequent years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Tips to save on your health insurance<\/b><\/h2>\n<p><b>Increase deductible, yes or no?<\/b><\/p>\n<p><span style=\"font-weight: 400\">Do you expect few healthcare costs next year? Then consider increasing your deductible voluntarily. With the basic insurance, you have a compulsory excess of EUR 385. This is the amount you pay yourself before your health insurer reimburses the costs. Do you opt for a higher deductible? Then your premium will go down. You can choose a voluntary excess of \u20ac485, \u20ac585, \u20ac685, \u20ac785 or \u20ac885.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">If you expect a lot of healthcare costs, increasing your deductible is not wise. Also, do not opt for a higher excess if you do not have the amount of your compulsory and voluntary excess in your savings account. The excess does not apply if you use physiotherapy treatment from your supplementary insurance.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Some insurers ask for a health or medical certificate. They may reject you on this basis. Check this before taking out a policy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Finally, cooperation with all health insurers<\/b><\/h2>\n<p><span style=\"font-weight: 400\">FRISK works with all health insurers, including Zorg en Zekerheid, which stands out for its close cooperation with healthcare providers and customer-friendly conditions. This makes Zorg en Zekerheid an excellent choice in practical experience. You have until 31 December 2024 to change your health insurance or purchase a package from FRISK. Compare smartly and make a choice that suits you!  Through these websites, you can compare health insurance and calculate which policy will be most interesting for you in 2025:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/independer.nl\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Independer.co.uk<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/zorgkiezer.nl\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Carechooser.co.uk<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/zorgwijzer.nl\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Zorgwijzer.co.uk<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/consumentenbond.nl\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Consumers' Association.co.uk<\/span><\/a><\/li>\n<li style=\"font-weight: 400\"><a href=\"http:\/\/pricewise.nl\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Pricewise.co.uk<\/span><\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The end of the year is approaching and many people are looking for health insurance that suits their needs. Health insurance premiums will rise again in 2025. Do you need physiotherapy? Then it is important to take an extra critical look at your health insurance, as physiotherapy is only reimbursed to a limited extent from the basic insurance. In this article, you will read...<\/p>","protected":false},"author":2,"featured_media":13577,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1012],"tags":[11],"class_list":["post-13576","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nieuws","tag-zorgverzekering","category-1012","description-off"],"_links":{"self":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/13576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/comments?post=13576"}],"version-history":[{"count":0,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/13576\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/media\/13577"}],"wp:attachment":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/media?parent=13576"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/categories?post=13576"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/tags?post=13576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}