{"id":24196,"date":"2025-11-24T17:04:18","date_gmt":"2025-11-24T16:04:18","guid":{"rendered":"https:\/\/www.friskfysio.nl\/?p=24196"},"modified":"2026-10-24T13:09:28","modified_gmt":"2026-10-24T11:09:28","slug":"zorgverzekering-2026-vergelijking","status":"publish","type":"post","link":"https:\/\/www.friskfysio.nl\/en\/zorgverzekering-2026-vergelijking\/","title":{"rendered":"Health insurance 2026 for physiotherapy: tips and comparison"},"content":{"rendered":"<p><strong>The annual switching period for health insurance began again on 12 November 2025. You can switch to a different insurer or amend your current policy until 31 December. Good news: most health insurers will not be increasing the premium for basic cover next year.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>But what if you need physiotherapy on a regular basis? In that case, it\u2019s important to take a close look at which insurance policy really suits your situation. In the maze of healthcare policies \u2013 which, at first glance, often seem to differ very little from one another \u2013 it can be difficult to see the wood for the trees. To help you make an informed choice, we have summarised the key points and tips for you.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 1: Look carefully at what is (and is not) included in the basic insurance policy<\/h2>\n<p>The basic insurance reimburses physiotherapy only in a limited number of cases.<\/p>\n<ul>\n<li aria-level=\"1\">If you are under 18, all your treatment costs will be fully reimbursed.<\/li>\n<li aria-level=\"1\">If you are aged 18 or over, you will usually have to pay for the first 20 treatments yourself.<\/li>\n<li aria-level=\"1\">Only if you have a chronic condition that prevents you from <a href=\"https:\/\/www.zorginstituutnederland.nl\/verzekerde-zorg\/f\/fysiotherapie-en-oefentherapie-zvw\/lijst-van-chronische-aandoeningen\" target=\"_blank\" rel=\"noopener\">list of the Netherlands Healthcare Institute<\/a>, treatments are reimbursed from the 21st onwards from the basic insurance.<\/li>\n<li aria-level=\"1\">In all other cases, you will either pay for the treatments through a supplementary insurance policy or out of your own pocket.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><em><strong>Our tip: for most people who need regular physiotherapy, supplementary insurance is the wisest choice.<\/strong><\/em><\/p>\n<p><strong>Note<\/strong>: The list of chronic conditions contains many medical terms. If you are unsure whether your condition is included, please feel free to ask your health insurer or physiotherapist.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 2: Estimate how many treatments you will need<\/h2>\n<p>Try to estimate in advance how much physiotherapy you use each year; this will help you choose the right supplementary insurance.<\/p>\n<ul>\n<li aria-level=\"1\">Occasional complaints: a package of 6 to 9 treatments per year is usually sufficient.<\/li>\n<li aria-level=\"1\">Regular or long-term complaints: prefer to opt for 18 or more treatments.<\/li>\n<li aria-level=\"1\">Chronic condition: check whether it is covered by the basic insurance (after the 20th treatment).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Think ahead<\/strong>: if, for example, you know you are likely to need rehabilitation or treatment for a sports injury, comprehensive cover is often better value than paying for individual treatments yourself.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 3: Compare supplementary insurance policies carefully<\/h2>\n<p>The differences between insurers are huge. When comparing, pay attention not only to the premium but also to the terms and conditions.<\/p>\n<p>Important points to check:<\/p>\n<ul>\n<li aria-level=\"1\">How many treatment sessions are you entitled to have reimbursed each year?<\/li>\n<li aria-level=\"1\">Is the reimbursement per treatment or per total amount?<\/li>\n<li aria-level=\"1\">Can you choose your own physiotherapist, or only from a list of approved therapists?<\/li>\n<li aria-level=\"1\">Is there a waiting period before you can make use of the cover?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Our tip<\/strong>: Always consider what you really need. A cheap policy may seem attractive, but it could end up costing you more if the cover is limited.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 4: Check whether your physiotherapist is on the panel<\/h2>\n<p>Health insurers enter into contracts with physiotherapy practices. If your physiotherapist is on contract with an insurer, you will usually be reimbursed in full.<\/p>\n<p>Without a contract, some insurers reimburse only part of the amount.<\/p>\n<p>So always check whether your physiotherapist has a contract with your health insurer.<\/p>\n<p><strong>At FRISKFYSIO, we have agreements with all health insurers, so you usually don\u2019t need to worry about reimbursement.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 5: Consider whether paying yourself is sometimes more advantageous<\/h2>\n<p>Not everyone needs supplementary insurance. If you only visit the dentist once or twice a year, it may work out cheaper to pay for those treatments yourself rather than paying an extra monthly premium.<\/p>\n<p>At FRISKFYSIO, you also have the option of purchasing a physiotherapy package. This is a multi-session pass for x number of treatments. It works out cheaper than individual sessions. View the packages <a href=\"https:\/\/www.friskfysio.nl\/product-categorie\/fysiotherapie-pakketten\/\">here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>Calculation example:<\/p>\n<p><em>Supplementary insurance covering six sessions often costs \u20ac5\u2013\u20ac8 a month, or around \u20ac60\u2013\u20ac100 a year. If you spend less than that on physiotherapy, it\u2019s better to pay per session.<\/em><\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 6: Keep an eye on your excess<\/h2>\n<p>Most physiotherapy treatments are covered by supplementary insurance, so the excess usually does not apply. However, in the case of a chronic condition covered by basic insurance, the excess does apply to the initial costs. Please bear this in mind when estimating your total healthcare costs.<\/p>\n<p>&nbsp;<\/p>\n<h2>Tip 7: Use reliable comparison websites<\/h2>\n<p>Whilst we are not permitted to recommend specific health insurers, we are happy to help you understand the information properly. Fortunately, there are several independent websites that make comparing health insurance policies a lot easier.<\/p>\n<p>We recommend that you use one or more of these websites to find out all the relevant information, so that you can make an informed choice:<\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"http:\/\/independer.nl\" target=\"_blank\" rel=\"noopener\">Independer<\/a><\/li>\n<li aria-level=\"1\"><a href=\"http:\/\/zorgwijzer.nl\" target=\"_blank\" rel=\"noopener\">Care Guide<\/a><\/li>\n<li aria-level=\"1\"><a href=\"http:\/\/consumentenbond.nl\" target=\"_blank\" rel=\"noopener\">Consumer Association<\/a><\/li>\n<li aria-level=\"1\"><a href=\"http:\/\/zorgkiezer.nl\" target=\"_blank\" rel=\"noopener\">ZorgKiezer<\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>Health care premiums physiotherapy treatments 2026<\/h2>\n<p>Choosing the right health insurance can take a little time, but it\u2019s definitely worth the effort, especially if you regularly use physiotherapy services. To help you get started, we\u2019ve compiled a top 3 list of the cheapest supplementary health insurance policies for physiotherapy, categorised by the number of sessions: 6, 9, 12, 18, 22 or more. You\u2019ll find them at the bottom of this blog.<\/p>\n<p>&nbsp;<\/p>\n<h3>For 6 treatments<\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Insurer<\/strong><\/td>\n<td><strong>Policy<\/strong><\/td>\n<td><strong>Care Choice<\/strong><\/td>\n<td><strong>Premium p\/m<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Univ\u00e9<\/td>\n<td>Care Select + Abroad + Physio 6<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 154,40<\/td>\n<\/tr>\n<tr>\n<td>Nationale-Nederlanden<\/td>\n<td>Zorg Voordelig + Zorg Zeker Plus<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 155,10<\/td>\n<\/tr>\n<tr>\n<td>Just<\/td>\n<td>Basic + Just live<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 155,45<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>For 9 treatments<\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Insurer<\/strong><\/td>\n<td><strong>Policy<\/strong><\/td>\n<td><strong>Care Choice<\/strong><\/td>\n<td><strong>Premium p\/m<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Nationale-Nederlanden<\/td>\n<td>Zorg Voordelig + Zorg Zeker Plus<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 155,10<\/td>\n<\/tr>\n<tr>\n<td>CZ direct<\/td>\n<td>Basic health insurance + Physio 9<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 163,45<\/td>\n<\/tr>\n<tr>\n<td>a.s.r.<\/td>\n<td>Conscious Choice + ZorgGoed<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 163,80<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>For 12 treatments<\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Insurer<\/strong><\/td>\n<td><strong>Policy<\/strong><\/td>\n<td><strong>Care Choice<\/strong><\/td>\n<td><strong>Premium p\/m<\/strong><\/td>\n<\/tr>\n<tr>\n<td>a.s.r.<\/td>\n<td>Conscious Choice + ZorgBeter<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 171,30<\/td>\n<\/tr>\n<tr>\n<td>UnitedConsumers<\/td>\n<td>Basic Keuze + ZorgZeker 2<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 175,70<\/td>\n<\/tr>\n<tr>\n<td>Univ\u00e9<\/td>\n<td>Care Basic + Supplementary Better<\/td>\n<td>Spacious<\/td>\n<td>175,90<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>At 18 treatments<\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Insurer<\/strong><\/td>\n<td><strong>Policy<\/strong><\/td>\n<td><strong>Care Choice<\/strong><\/td>\n<td><strong>Premium p\/m<\/strong><\/td>\n<\/tr>\n<tr>\n<td>a.s.r.<\/td>\n<td>Conscious Choice + ZorgBest<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 190,75<\/td>\n<\/tr>\n<tr>\n<td>Univ\u00e9<\/td>\n<td>Care Basic + Supplementary Best<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 190,90<\/td>\n<\/tr>\n<tr>\n<td>The Friesland<\/td>\n<td>Alles Verzorgd Polis + AV Extra policy<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 191,00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3>For 22 treatments or more<\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Insurer<\/strong><\/td>\n<td><strong>Policy<\/strong><\/td>\n<td><strong>Care Choice<\/strong><\/td>\n<td><strong>Premium p\/m<\/strong><\/td>\n<\/tr>\n<tr>\n<td>The Christian<\/td>\n<td>Principle Policy + Large Policy<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 206,75<\/td>\n<\/tr>\n<tr>\n<td>Salland<\/td>\n<td>Basic insurance + Top<\/td>\n<td>Spacious<\/td>\n<td>\u20ac 207,45<\/td>\n<\/tr>\n<tr>\n<td>Nationale-Nederlanden<\/td>\n<td>Care Free + Complete<\/td>\n<td>Very spacious<\/td>\n<td>\u20ac 212,96<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>*Source: Care Guide<\/p>\n<p>&nbsp;<\/p>\n<p><em><strong>Note<\/strong>: The overview is dated 19 November 2025. As some health insurers had not yet published their premiums at that time, we recommend that you check the latest information via the health insurance comparison websites.<\/em><\/p>\n<p>If you have any questions or would like to discuss with us which insurance policy best suits your situation, please feel free to <a href=\"https:\/\/www.friskfysio.nl\/contact-amstelveen\/\">contact<\/a> Join us. We\u2019d be delighted to help you get off to a healthy and well-insured start to the new year!<\/p>","protected":false},"excerpt":{"rendered":"<p>The annual switching period for health insurance began again on 12 November 2025. You can switch to a different insurer or amend your current policy until 31 December. Good news: most health insurers will not be increasing the premium for basic cover next year.   But what if you need physiotherapy regularly? In that case\u2026<\/p>","protected":false},"author":2,"featured_media":24197,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"wpai_generated_summary":"","footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1012],"tags":[3446,3445,11],"class_list":["post-24196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nieuws","tag-3446","tag-zorgpremies","tag-zorgverzekering","category-1012","description-off"],"_links":{"self":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/24196","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=24196"}],"version-history":[{"count":0,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/24196\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/media\/24197"}],"wp:attachment":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/media?parent=24196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/categories?post=24196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/tags?post=24196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}