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 on a regular basis? In that case, it’s important to take a close look at which insurance policy really suits your situation. In the maze of healthcare policies – which, at first glance, often seem to differ very little from one another – 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.
Tip 1: Look carefully at what is (and is not) included in the basic insurance policy
The basic insurance reimburses physiotherapy only in a limited number of cases.
- If you are under 18, all your treatment costs will be fully reimbursed.
- If you are aged 18 or over, you will usually have to pay for the first 20 treatments yourself.
- Only if you have a chronic condition that prevents you from list of the Netherlands Healthcare Institute, treatments are reimbursed from the 21st onwards from the basic insurance.
- In all other cases, you will either pay for the treatments through a supplementary insurance policy or out of your own pocket.
Our tip: for most people who need regular physiotherapy, supplementary insurance is the wisest choice.
Note: 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.
Tip 2: Estimate how many treatments you will need
Try to estimate in advance how much physiotherapy you use each year; this will help you choose the right supplementary insurance.
- Occasional complaints: a package of 6 to 9 treatments per year is usually sufficient.
- Regular or long-term complaints: prefer to opt for 18 or more treatments.
- Chronic condition: check whether it is covered by the basic insurance (after the 20th treatment).
Think ahead: 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.
Tip 3: Compare supplementary insurance policies carefully
The differences between insurers are huge. When comparing, pay attention not only to the premium but also to the terms and conditions.
Important points to check:
- How many treatment sessions are you entitled to have reimbursed each year?
- Is the reimbursement per treatment or per total amount?
- Can you choose your own physiotherapist, or only from a list of approved therapists?
- Is there a waiting period before you can make use of the cover?
Our tip: 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.
Tip 4: Check whether your physiotherapist is on the panel
Health insurers enter into contracts with physiotherapy practices. If your physiotherapist is on contract with an insurer, you will usually be reimbursed in full.
Without a contract, some insurers reimburse only part of the amount.
So always check whether your physiotherapist has a contract with your health insurer.
At FRISKFYSIO, we have agreements with all health insurers, so you usually don’t need to worry about reimbursement.
Tip 5: Consider whether paying yourself is sometimes more advantageous
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.
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 here.
Calculation example:
Supplementary insurance covering six sessions often costs €5–€8 a month, or around €60–€100 a year. If you spend less than that on physiotherapy, it’s better to pay per session.
Tip 6: Keep an eye on your excess
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.
Tip 7: Use reliable comparison websites
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.
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:
Health care premiums physiotherapy treatments 2026
Choosing the right health insurance can take a little time, but it’s definitely worth the effort, especially if you regularly use physiotherapy services. To help you get started, we’ve 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’ll find them at the bottom of this blog.
For 6 treatments
| Insurer | Policy | Care Choice | Premium p/m |
| Univé | Care Select + Abroad + Physio 6 | Spacious | € 154,40 |
| Nationale-Nederlanden | Zorg Voordelig + Zorg Zeker Plus | Spacious | € 155,10 |
| Just | Basic + Just live | Spacious | € 155,45 |
For 9 treatments
| Insurer | Policy | Care Choice | Premium p/m |
| Nationale-Nederlanden | Zorg Voordelig + Zorg Zeker Plus | Spacious | € 155,10 |
| CZ direct | Basic health insurance + Physio 9 | Spacious | € 163,45 |
| a.s.r. | Conscious Choice + ZorgGoed | Spacious | € 163,80 |
For 12 treatments
| Insurer | Policy | Care Choice | Premium p/m |
| a.s.r. | Conscious Choice + ZorgBeter | Spacious | € 171,30 |
| UnitedConsumers | Basic Keuze + ZorgZeker 2 | Spacious | € 175,70 |
| Univé | Care Basic + Supplementary Better | Spacious | 175,90 |
At 18 treatments
| Insurer | Policy | Care Choice | Premium p/m |
| a.s.r. | Conscious Choice + ZorgBest | Spacious | € 190,75 |
| Univé | Care Basic + Supplementary Best | Spacious | € 190,90 |
| The Friesland | Alles Verzorgd Polis + AV Extra policy | Spacious | € 191,00 |
For 22 treatments or more
| Insurer | Policy | Care Choice | Premium p/m |
| The Christian | Principle Policy + Large Policy | Spacious | € 206,75 |
| Salland | Basic insurance + Top | Spacious | € 207,45 |
| Nationale-Nederlanden | Care Free + Complete | Very spacious | € 212,96 |
*Source: Care Guide
Note: 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.
If you have any questions or would like to discuss with us which insurance policy best suits your situation, please feel free to contact Join us. We’d be delighted to help you get off to a healthy and well-insured start to the new year!
