Compare reimbursements and insurances ONVZ Vrije Keuze 2026
Below you will find what is reimbursed per health insurance policy. This way you can easily compare the different insurances based on what you think is important.
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100% for contracted healthcare providers, otherwise limited reimbursement
Care covered by basic insurance, up to the amount that basic insurance would reimburse for care in the Netherlands.
Startfit coverage also applies abroad
Up to the amount that Startfit would reimburse for healthcare in the Netherlands
Benfit coverage also applies abroad
Up to the amount that Startfit would reimburse for healthcare in the Netherlands
Optifit coverage also applies abroad
Up to the amount that Startfit would reimburse for healthcare in the Netherlands
Topfit coverage also applies abroad
Up to the amount that Startfit would reimburse for healthcare in the Netherlands
Tandfit A coverage also applies abroad
Tandfit B coverage also applies abroad
Tandfit C coverage also applies abroad
Tandfit Preventief coverage also applies abroad
No coverage
Up to the amount that Startfit would reimburse for healthcare in the Netherlands
100% according to Dutch rates
Care covered by basic insurance, up to the amount that the care would cost in the Netherlands
Startfit coverage also applies abroad
Up to foreign statutory or market rates
Benfit coverage also applies abroad
Up to foreign statutory or market rates
Optifit coverage also applies abroad
Up to foreign statutory or market rates
Topfit coverage also applies abroad
Up to foreign statutory or market rates
Supplement to basic insurance reimbursement
- Supplement to basic insurance if healthcare is more expensive than in the Netherlands, up to the foreign statutory or market rate
- Healthcare covered by Superfit, up to the foreign statutory or market rate Registered medicines Non-medicines, max. € 350 per calendar year
- Patient transport to the healthcare provider
No coverage
€75 for 11 illness risks
Maximum per calendar year
€75 for 11 illness risks
Maximum per calendar year
€100 for 11 illness risks
Maximum per calendar year
100% (all illness risks)
No coverage
€150 up to the age of 21
Maximum per calender year
€200 up to the age of 21
Maximum per calender year
€300 up to the age of 21
Maximum per calender year
€400 up to the age of 21
Maximum per calender year
100% for a contracted health-care provider. Otherwise limited coverage
In case of (suspected) mental disorder
No coverage
No coverage
No coverage
No coverage
No coverage
€30 per day, up to €100
No medicines
Maximum per day/calendar year
€40 per day, up to €350
No medicines
Maximum per day/calendar year
€50 per day + registered medicines, up to €550 combined
Maximum per day/calendar year
€65 per day + registered medicines, up to €1,000 combined
Maximum per day/calendar year
100%
Up to 200 km
No coverage
No coverage
No coverage
Personal contribution
Personal contribution
Medical transportation to a hospital far away up to 1 year after the serious accident or diagnosis of a serious ailment
- 100% at all hospitals in The Netherlands
- 100% for contracted clinics, otherwise limited reimbursement
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€85 for entire term of the health-care plan
€85 for entire term of the health-care plan
100%
Once during the entire term of the health-care plan
No coverage
No coverage
€200
Maximum per calendar year
€300
Maximum per calendar year
100%
No coverage
No coverage
Maximum per calendar year
€70 for 2 lessons
Maximum per calendar year
€70 for 2 lessons
Maximum per calendar year
€120 for 2 lessons
Maximum per calendar year
No coverage
No coverage
€250 for maternity care and medical screening
Maximum per adopted child
100% for maternity care and medical screening
100% for maternity care and medical screening
No coverage
No coverage
No coverage
No coverage
€200 per day, up to €2,000
In a zorghotel recognised by us
Max. per day/calendar year
No coverage
No coverage
€1,000
Max. per calendar year, through the ZorgConsulent
€2,000
Max. per calendar year, through the ZorgConsulent
€3,000
Max. per calendar year, through the ZorgConsulent
2 weeks, in the case of emergency admission after a serious accident or diagnosis of a serious ailment
Max. per serious accident or serious ailment
No coverage
No coverage
No coverage
€75
Maximum per birth
€75
Maximum per birth
No coverage
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
€250 for an exercise programme as part of a CLI and other exercise programmes combined
€500 for an exercise programme as part of a CLI and other exercise programmes combined
100% up to age 21 for contracted care, otherwise limited coverage
In certain cases also over the age of 21
Sometimes you pay a personal contribution
100% from 21 to 30 years of age
100% from the age of 21
100% from the age of 21
100% from the age of 21
No coverage
No coverage
No coverage
No coverage
No coverage
Repatriation of remains or €7,500 for funeral
Additional costs for travel and accommodation for travelling companion
Travel expenses for family members
- Repatriation of mortal remains, or funeral in country of death up to €7,500
Accommodation max. €150 per day, transport max. economy (flight) and €0.27/km (other), total for:
- Transport and accommodation for 2 persons to place of viewing
- Transport and accommodation for 1 person to assist a travel companion or family member of the deceased
- Transport and max. 30 days' accommodation for insured travel companions
In some cases
Reimbursement Dental care up to the age of 18, or from the age of 18 according to reimbursements for oral surgery, dental prostheses and special dental care
No coverage
No coverage
No coverage
No coverage
€10,000
Max. 1 accident per calendar year
€10,000
Max. 1 accident per calendar year
€10,000
Max. 1 accident per calendar year
€10,000
€10,000
Max. 1 accident per calendar year
Limited, according to reimbursements Oral surgery, Dental prosthesis, Front tooth replacement and Special dentistry
No coverage
No coverage
No coverage
No coverage
€200, of which max. €75 preventive dental care (M codes)
Maximum per calender year
€500, of which max. €150 preventive dental care (M codes)
Maximum per calender year
€1,250, of which max. €250 preventive dental care (M codes)
Maximum per calender year
- check-ups and preventive care in full
- other dental care: €2,000, of which up to max. €300 for fillings and gum treatments combined
100% of most treatments
No coverage
No coverage
€500
Maximum per calendar year
100%
Full dentures and repairs or relining, you pay a personal contribution
No coverage
No coverage
No coverage
No coverage
€200 for the personal contribution, implants, partial dentures and other dental health care, under the coverage for Dental health care from the age of 18
Maximum per calender year
€500 for the personal contribution, implants, partial dentures and other dental health care, under the coverage for Dental health care from the age of 18
Maximum per calender year
€1,250 for the personal contribution, implants, partial dentures and other dental health care, under the coverage for Dental health care from the age of 18
Maximum per calender year
No coverage
- 100% at all hospitals in The Netherlands
- 100% for contracted clinics, otherwise limited reimbursement
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
- 100% at all hospitals in The Netherlands
- 100% for contracted health-care providers, otherwise limited reimbursement
No coverage
No coverage
No coverage
No coverage
- 100% at all hospitals in The Netherlands
- 100% at contracted independent treatment centres, otherwise limited reimbursement. In an institution or at your home
No coverage
No coverage
No coverage
No coverage
- 100% for contracted care, otherwise limited reimbursement
- in certain situations
No coverage
No coverage
No coverage
No coverage
3 hours
Maximum per calendar year
No coverage
€120
Maximum per calendar year
€200
Maximum per calendar year
100%
1 week, in the case of emergency admission after a serious accident or diagnosis of a serious ailment
Max. per serious accident or serious ailment
No coverage
No coverage
No coverage
9 hours
Max. per admission, through the ZorgConsulent
18 hours
Max. per admission, through the ZorgConsulent
No coverage
No coverage
€350 for entire term of the health-care plan
€750 for entire term of the health-care plan with a waiting period of 1 year
€1,500 for entire term of the health-care plan with a waiting period of 1 year
No coverage
No coverage
No coverage
€250 for all exercise programmes in the event of chronic illness, cancer, and the combined lifestyle intervention jointly
Maximum per calender year
€500 for all exercise programmes in the event of chronic illness, cancer, and the combined lifestyle intervention jointly
Maximum per calender year
100% only for exercise programmes during and after cancer
100%
No coverage
No coverage
No coverage
No coverage
Up to the age 43:
100% with all hospitals in The Netherlands
100% with contracted clinics, otherwise limited coverage
For IVF: 1st, 2nd and 3rd attempts only, from IVF coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
Annually
Annually
Annually
Annual foot check-up
In the event of an increased risk of foot ulcers foot check-up and foot care
No coverage
No coverage
€200 for other foot care and insoles
€500 for other foot care and insoles
100%, until the age of 23, if necessity was determined before 18th birthday
Sometimes, from reimbursement Dental care from the age of 18
Sometimes, from reimbursement Dental care from the age of 18
Sometimes, from reimbursement Dental care from the age of 18
Sometimes, coverage under Dental health care after an accident
Sometimes, reimbursement Dental care after an accident from OntzorgPlus
100%
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
€50 per day for extra facilities
100% if there is a medical indication
Covered under Glasses and contact lenses with medical indication
No coverage
€75 per 2 consecutive calendar years
€150 per 2 consecutive calendar years
€300 per 2 consecutive calendar years
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€500 for rheumatoid arthritis or psoriasis
No coverage
Carer support from ZorgConsulent adviser
Carer support from ZorgConsulent adviser
€350 for a care broker
Carer support from ZorgConsulent adviser
€500 for a care broker
Carer support from ZorgConsulent adviser
No coverage
No coverage
No coverage
€200 for consultations and online programme together
Maximum per calendar year
€350 for consultations and online programme together
Maximum per calendar year
According to reimbursement Nursing and care in the patient's own environment or Primary care stay
No coverage
No coverage
€25 per day for personal payment
€50 per day for personal payment
- 100% with all hospitals in The Netherlands
- 100% with contracted clinics, otherwise limited coverage
Max. 3 years
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
Up to the age of 43, 3 attempts
- 100% at all hospitals in the Netherlands
- 100% at contracted independent treatment centres, otherwise limited reimbursement
After continuing pregnancy, 3 more attempts
No coverage
No coverage
No coverage
No coverage
100%, according to the Zvw-pgb regulations
No coverage
No coverage
No coverage
No coverage
No coverage
€12,500 for solicitor or claims settlement agency (through us)
Maximum per accident
€12,500 for solicitor or claims settlement agency (through us)
Maximum per accident
€12,500 for solicitor or claims settlement agency (through us)
Maximum per accident
€12,500 for solicitor or claims settlement agency (through us)
Maximum per accident
€12,500 for solicitor or claims settlement agency (through us)
Maximum per accident
100%, you pay a personal contribution
According to the National Indication Protocol for Maternity Care
No coverage
€250 for the personal contribution and extra maternity care
Max. per delivery
100% for the personal contribution and extra maternity care
100% for the personal contribution and extra maternity care
No coverage
No coverage
Once per birth
From our Maternity Care Service
Once per birth
From our Maternity Care Service
Once per birth
From our Maternity Care Service
- 100% at all hospitals in The Netherlands
- 100% at contracted care takers, otherwise limited reimbursement
In an institution or at your home
No coverage
No coverage
No coverage
No coverage
- 100% for contracted care, otherwise limited coverage
- sometimes you pay a personal contribution
According to the coverage for medical aids under basic insurance
No coverage
No coverage
€250 for personal contributions
Maximum per calendar year
€500 for personal contributions
Maximum per calendar year
- 100% for contracted care, otherwise limited coverage
- sometimes you pay a personal contribution
According to the coverage for medical aids under basic insurance
No coverage
No coverage
€250 for personal contributions
Maximum per calendar year
€500 for personal contributions
Maximum per calendar year
100% for contracted care, otherwise limited coverage
No coverage
No coverage
€500 for consultations for adjustment disorders and work and relationship problems
Maximum per calendar year
€1,000 for consultations for adjustment disorders and work and relationship problems
Maximum per calendar year
- 100% at all hospitals in the Netherlands
- 100% at contracted independent treatment centres, otherwise limited reimbursement
Most hospital care
No coverage
No coverage
No coverage
No coverage
In certain situations, you will generally need to pay a personal contribution of €134
By public transport, car or taxi
No coverage
Personal contribution
Patient transport to a distant hospital within one year of a serious accident or diagnosis of a serious condition
By car or taxi
No coverage
No coverage
Personal contribution
- 100% for contracted care, otherwise limited coverage
- Sometimes you pay a personal contribution
- According to preference policy
Sometimes you will need to pay a personal contribution
No coverage
€150 for some registered medicines
Maximum per calendar year
€300 for some registered medicines
Maximum per calendar year
€1,500 for some registered medicines
Maximum per calendar year
100% in the event of contracted health care, otherwise limited coverage
No coverage
No coverage
No coverage
No coverage
10 hours
Max. per calendar year
No coverage
No coverage
No coverage
100%
Once during the entire term of the health-care plan €100,000 for modifications to your home, or €40,000 for modifications to your vehicle
No coverage
No coverage
No coverage
No coverage
No coverage
100% at all hospitals in the Netherlands, otherwise limited coverage
Most care for the donor too
No coverage
No coverage
No coverage
No coverage
For serious ailments only, under coverage for Specialist dental health care
No coverage
No coverage
No coverage
€500
Max. per calendar year
For serious ailments only, under coverage for Specialist dental health care
No coverage
No coverage
80% up to €2,000, for the entire term of the insurance policy
There is a 1-year waiting period
80% up to €3,000, for the entire term of the insurance policy
There is a 1 year waiting period
According to the coverage Medical specialist
No coverage
€500
Maximum per calendar year
€750
Maximum per calendar year
€1,000
Maximum per calendar year
Treatments:
- List of chronic ailments for physiotherapy: from the 21st session onwards
- Intermittent claudication: max. 37 sessions in 12 months
- Osteoarthritis of the hip or knee: max. 12 sessions in 12 months
- COPD
- Urinary incontinence: max. 9 sessions
- Rheumatoid arthritis
- Axial spondyloarthritis
10 treatments, including a maximum of 9 manual therapy treatments
100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 16 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 30 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 50 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- according to the list for chronic physiotherapy: 100%
- for other indications: max. 18 treatments
- 10 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 16 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 30 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
- 50 treatments, including a maximum of 9 manual therapy treatments
- 100% for contracted care, otherwise limited coverage
Maximum per calendar year
In certain cases:
- 100% at all hospitals in The Netherlands
- 100% at contracted clinics, otherwise limited reimbursement
No coverage
No coverage
- For physical dysfunction: upper eyelids and breast implant replacements
- Correction of protruding ears up to 18 years of age
- For physical dysfunction
- Correction of protruding ears up to 18 years of age
100%, sometimes you pay a personal contribution
No coverage
€250 for personal contribution and additional maternity care, from maternity care coverage
Maximum per birth
100% for personal contribution and additional maternity care, from maternity care coverage
100% for personal contribution and additional maternity care, from maternity care coverage
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
75% first aid courses and 100% other courses, totalling up to €150
Maximum per calendar year
75% first aid courses and 100% other courses, totalling up to €250
Maximum per calendar year
For medical reasons, reimbursements from general practitioner, medical specialist or genetic testing
Maximum per calendar year
1x our personal health check or sports check
Maximum per calendar year
1x our personal health check or sports check
Maximum per calendar year
1x our personal health check or sports check. And up to a maximum of €200: 50% of other preventive and sports medical examinations
Maximum per calendar year
1 x our personal health check or sports check. And up to a maximum of €350:
- 50% of other preventive and sports medical examinations
- 100% of pharmacogenetic testing
Maximum per calendar year
100%
3 months, longer after we gave our permission
No coverage
No coverage
No coverage
€50 per day, for extra facilities
Max. during admission
100% if you participate in the research
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
Stop smoking programme, with nicotine replacement therapy/medicines
3 times per calendar year
No coverage
No coverage
€150 for smoking cessation and other prevention courses, from the Prevention Courses reimbursement
Maximum per calendar year
€250 for smoking cessation and other prevention courses, from the Prevention Courses reimbursement
Maximum per calendar year
No coverage
No coverage
No coverage
No coverage
No coverage
Repatriation in the event of serious illness or injury
Arrival of visitors
Accommodation max. €150 per day, transport max. economy (flight) and €0,27/km (other), total for:Repatriation in case of medical necessity
- Accommodation, if repatriation is not yet possible
- Transport and accommodation for 1 person coming to you
- Additional costs for other transport (means)
No coverage
No coverage
No coverage
No coverage
No coverage
Replacement driver
To place of residence, or to closest pick-up and return location
No coverage
No coverage
No coverage
No coverage
No coverage
Additional costs for transport and (overseas) accommodation if you have to return home unexpectedly
Accommodation max. €150 per day, transport max. economy (flights) and €0.27/km (other), total in the event of illness or death of travel companions or family at home, in the event of damage to home or business
- in country of residence, transport only (max. €500)
100%, sometimes limited reimbursement for non-contracted care
No coverage
No coverage
No coverage
No coverage
- 100% at all hospitals in the Netherlands
- 100% at contracted independent treatment centres, otherwise limited reimbursement
Rehabilitation and medically necessary admission
The personal contribution, from coverage Dental care from the age of 18
The personal contribution, from coverage Dental care from the age of 18
The personal contribution, from coverage Dental care from the age of 18
The personal contribution, coverage under Dental health care from the age of 18
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
Parents of the child: €12.50 per day, up to €260
Family member of the adult: €25 per day
Max. per day/calendar year
Parents of the child: €12.50 per day, up to €260
Family member of the adult: €25 per day
Max. per day/calendar year
100% for parents of the child and family member of the adult
100% of the overnight costs after a transplant or cancer treatment
100% for parents or a family member if the patient is admitted within 1 year of the serious accident or diagnosis of a serious ailment
No coverage
No coverage
Once during the entire term of the health-care plan
- €1,000 for female sterilisation
- €350 for male sterilisation
No coverage for reversal operation
Once during the entire term of the health-care plan
- €1,200 for female sterilisation
- €400 for male sterilisation
€1,200 for female sterilisation
€400 for male sterilisation
- 100% for sterilisation and reversal operation
- for the reversal operation after a 1-year waiting period
No coverage
No coverage
€350 during the entire term of the health-care plan
€500 during the entire term of the health-care plan
€750 during the entire term of the health-care plan
No coverage
No coverage
100%
100%
100%
No coverage
No coverage
No coverage
No coverage
€50
Max. per calendar year
€50
100%
Central healthcare provider with combined lifestyle intervention (GLI)
No coverage
No coverage
€250 for exercise programmes at gli and other exercise programmes combined
Maximum per calendar year
€500 for exercise programmes at gli and other exercise programmes combined
Maximum per calendar year
100% at all hospitals in the Netherlands, otherwise limited reimbursement
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€300 for asthma, diabetes, obesity, constitutional eczema, or cancer
Max. per calendar year
100% for asthma, diabetes, obesity, constitutional eczema, or cancer
- 100% at all hospitals in the Netherlands
- 100% at contracted healthcare providers, otherwise limited reimbursement
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€100 for 5 kinds of walking aids
Max. per calendar year
€100 for 5 kinds of walking aids
Max. per calendar year
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Additional information for reimbursement abroad
For Early return, Repatriation, Death and Replacement driver coverage only applies:
- after prior contact with our Zorgassistance emergency centre, and
- if you stay abroad for a maximum1 year; or for a minimum of 1 paid overnight stay in your country of residence
In case of admission, you (or someone acting on your behalf) must contact our Zorgassistance emergency centre on +31 (0)88 668 97 67. Our emergency centre is staffed day and night. We reimburse the costs you incur for calling this line from abroad. If you do not first call our Zorgassistance emergency centre, it is possible that the costs will not be reimbursed or will not be reimbursed in full.
Customer about ONVZ
Very satisfied, I feel like I don't have to worry. ONVZ simply arranges it.
