{"id":3606,"date":"2019-11-21T16:48:37","date_gmt":"2019-11-21T15:48:37","guid":{"rendered":"https:\/\/www.friskfysio.nl\/?p=3606"},"modified":"2022-03-22T10:37:22","modified_gmt":"2022-03-22T09:37:22","slug":"zorgverzekeringen-met-fysiotherapie-in-2020","status":"publish","type":"post","link":"https:\/\/www.friskfysio.nl\/en\/zorgverzekeringen-met-fysiotherapie-in-2020\/","title":{"rendered":"Cheapest health insurance policies with physiotherapy in 2020"},"content":{"rendered":"<p><b>The new health insurance policies have been announced. It is now possible to switch health insurance for 2020. A calculation by Zorgwijzer shows that the health insurance policies have become slightly more expensive but the differences between them are still considerable!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For example, the difference between the cheapest and most expensive health insurance on an annual basis is as much as \u20ac500! So it's definitely worth looking into insurance policies carefully because it can save you a lot of money on an annual basis! Especially when you consider that basically the coverage of the basic package is the same for everyone. Since its content is determined by the government every year. However, there may be differences in the degree of hospital coverage and\/or reimbursement in the case of non-contracted healthcare providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is important that you are aware of what you are entitled to and what you can expect in basic and supplementary insurance.\u00a0<\/span><\/p>\n<h3><b>Insurers cut physiotherapy again in 2020\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many insurers are cutting physiotherapy coverage from supplementary insurance by 2020.<\/span><\/p>\n<p><b>This means concretely:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Packages with high coverage are dropped or can no longer be taken out (e.g. at Nationale Nederlanden, De Amersfoortse Stad Holland, VGZ and UMC)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Coverages of supplementary insurances with physio are reduced (e.g. at CZ, Univ\u00e9 and VGZ)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Supplementary insurance policies getting more expensive (almost all insurers)<\/span><\/li>\n<\/ul>\n<h3><b>Unlimited physiotherapy almost out of the question<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It will become more expensive and difficult to get health insurance with (unlimited) in 2020 <\/span><a href=\"https:\/\/www.zorgwijzer.nl\/vergoeding\/fysiotherapie\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">reimbursement for physiotherapy<\/span><\/a><span style=\"font-weight: 400;\">. Supplementary insurance policies are going up in price, packages are being scrapped and many insurers continue to insist on medical pre-selections.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Only four health insurers offer a package with full coverage for physiotherapy. Three of them are under the same group.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical selection applies to three of the four.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">For a package with full physiotherapy reimbursement, you will pay an average of 714.57 euros next year. That is 40 euros more than last year.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Packages with ample physiotherapy coverage (more than 20 treatments per year) are being dropped or have become significantly more expensive.<\/span><\/li>\n<\/ul>\n<h3><strong>Well insured for physiotherapy in 2020<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">The following outlines the reimbursement of physiotherapy (adults) from the basic insurance:<\/span><\/p>\n<p><a class=\"dt-single-image\" href=\"https:\/\/www.friskfysio.nl\/wp-content\/uploads\/2019\/11\/Schermafbeelding-2019-11-14-om-10.43.48.png\" data-dt-img-description=\"\"><img decoding=\"async\" class=\"alignnone wp-image-3607 size-full\" src=\"https:\/\/www.friskfysio.nl\/wp-content\/uploads\/2019\/11\/Schermafbeelding-2019-11-14-om-10.43.48.png\" alt=\"\" width=\"716\" height=\"535\" title=\"\"><\/a><\/p>\n<p><b>Important information:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You pay the first 20 treatments (per chronic indication) once yourself, regardless of whether you start a new calendar year or switch health insurers. The treatments covered by the basic insurance are first covered by the insured person's own risk.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">We have contracts with all health insurers. If you are treated by a physiotherapist who does not have a contract with a health insurer, you may have to pay part of the bill yourself.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A referral letter from the GP is usually not required for a visit to a physiotherapist, unless explicitly required by the health insurer. However, in case of a (chronic) condition, a diagnosis will have to be made by a doctor\/specialist first.<\/span><\/li>\n<\/ul>\n<h3><b>Physiotherapy supplementary insurance premiums<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">People with other complaints not on the chronic list can get a <\/span><a href=\"https:\/\/www.zorgwijzer.nl\/zorgverzekeraar\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\"> with supplementary cover for physiotherapy. Another option is to pay for the treatments yourself. <\/span><span style=\"font-weight: 400;\">For this, we offer the following options in the practice:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The reimbursements for Cesar\/Mensendieck remedial therapy from a supplementary package correspond to the reimbursements for physiotherapy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This does not apply to <\/span><a href=\"https:\/\/www.zorgwijzer.nl\/vergoeding\/manuele-therapie\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">manual therapy<\/span><\/a><span style=\"font-weight: 400;\">! The number of treatment per insurer for manual therapy is usually lower. Check your policy or contact your health insurer for reimbursement and conditions.<\/span><\/p>\n<p><b>\u00a0<\/b><\/p>\n<p><b>Important:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">These days, it is no longer necessary to ask for a referral note from the GP to see a physiotherapist and be eligible for reimbursement.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The reimbursements below are based on physiotherapists who have signed a contract with the health insurer. This includes us.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The deductible is <\/span><b>not<\/b><span style=\"font-weight: 400;\"> applicable.<\/span><\/li>\n<\/ul>\n<p><b>\u00a0<\/b><\/p>\n<h3><b>Top 5 most beneficial physiotherapy supplementary insurances<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><strong>For 6 treatments<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Premium per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interpolis ZonderMeer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 5,25<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Aevitae Basic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 5,48<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ZorgDirect Online Convenience - Start<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 5,67<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ZieZo Aanvullend 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 5,75<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Salland Start<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 5,85<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><strong>For 9 treatments<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Premium per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">PMA health insurance ExtraVerzorgd 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac6,45<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Menzis ExtraVerzorgd 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 6,95<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pro Life Smallpolis<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 7,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Univ\u00e9 Physio 9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 7,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zilveren Kruis Supplementary 1 star<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 7,50\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><strong>For 12 treatments<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Premium per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Zorg en Zekerheid AV Basis<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 11,92<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interpolis More Certain<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 13,25<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">IZA Extra Zorg 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 14,55<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">DSW AV Student<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 15,00<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hema supplementary 2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 16,00<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><strong>At 18 treatments<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Premium per month<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">PMA health insurance ExtraVerzorgd 2<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 19,99<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Menzis ExtraVerzorgd 2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 21,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">IZZ by VGZ<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 22,95<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Umc UMC Extra Care 2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 25,50<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bewuzt Physio Better<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 26,50<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Would you like to be insured for more than 18 treatments of physiotherapy? If so, please refer to <\/span><a href=\"https:\/\/www.zorgwijzer.nl\/vergoeding\/fysiotherapie\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">https:\/\/www.zorgwijzer.nl\/vergoeding\/fysiotherapie<\/span><\/a><span style=\"font-weight: 400;\">. The differences between the number of treatments from 18 treatments onwards are too diverse to compile a good top five for you.<\/span><\/p>\n<p><b>Note:<\/b><span style=\"font-weight: 400;\"> you have until 31 December 2019 to switch health insurer\/policy. It is definitely worth comparing the different policies from your situation! Go to <\/span><a href=\"https:\/\/www.zorgwijzer.nl\/vergoeding\/fysiotherapie#vergoedingen\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Zorgwijzer.co.uk<\/span><\/a><span style=\"font-weight: 400;\"> to calculate which policy is most interesting for you in 2019.<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>The new health insurance policies have been announced. It is now possible to switch health insurance for 2020. A calculation by Zorgwijzer shows that the health insurance policies have become slightly more expensive but the differences between them are still considerable! For instance, the difference between the cheapest and most expensive health insurance on an annual basis is as much as...<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[14,22,75,34,148,4,12,28,29,30,5,13],"class_list":["post-3606","post","type-post","status-publish","format-standard","hentry","category-whats-news","tag-amstelveen","tag-behandeling-amstelveen","tag-bewegen","tag-friskfysio","tag-friskfysio-bewegen","tag-fysio","tag-fysio-amstelveen","tag-fysiobehandeling","tag-fysiobehandeling-amstelveen","tag-fysiopraktijk-amstelveen","tag-fysiotherapeut","tag-fysiotherapeut-amstelveen","category-100","description-off"],"_links":{"self":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/3606","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=3606"}],"version-history":[{"count":0,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/posts\/3606\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/media?parent=3606"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/categories?post=3606"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.friskfysio.nl\/en\/wp-json\/wp\/v2\/tags?post=3606"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}