Compare compensations and insurances ONVZ Vrije Keuze 2024
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.
100% as per Dutch rates
Startfit coverage also applies abroad
Benfit coverage also applies abroad
Optifit coverage also applies abroad
Topfit coverage also applies abroad
Tandfit A coverage also applies abroad
Tandfit B coverage also applies abroad
Tandfit C coverage also applies abroad
Tandfit Preventief coverage also applies abroad
100% as per Dutch rates
Startfit coverage also applies abroad
Benfit coverage also applies abroad
Optifit coverage also applies abroad
Topfit coverage also applies abroad
Supplement on top of basic health-care plan coverage
No coverage
€75 for 11 illness risks
€75 for 11 illness risks
€100 for 11 illness risks
100% (all illness risks)
No coverage
€150 up to the age of 21
€200 up to the age of 21
€300 up to the age of 21
€400 up to the age of 21
100% for a contracted health-care provider. Otherwise limited coverage.
In the event of diagnosed or suspected psychological disorders.
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€250
€400
€550
No coverage
€12,500 for a lawyer or claims management service (engaged by us)
€12,500 for a lawyer or claims management service (engaged by us)
€12,500 for a lawyer or claims management service (engaged by us)
€12,500 for a lawyer or claims management service (engaged by us)
No coverage
€30 per day, up to €100
No medicines
€40 per day, up to €350
No medicines
€50 per day + registered medicines, up to €550 combined
€65 per day + registered medicines, up to €1,000 combined
100%
No coverage
No coverage
No coverage
No coverage
100%
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
€800
€1,200
€2,000
2 weeks
In the case of emergency admission after a serious accident or diagnosis of a serious ailment
No coverage
No coverage
No coverage
No coverage
No coverage
100% combined lifestyle intervention (CLI) for overweight patients
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 the age of 21 in the event of contracted health care, otherwise limited coverage
In certain cases also over the age of 21
Sometimes you will need to pay a personal contribution
100% from the age of 21 to 30
100% from the age of 21
100% from the age of 21
100% from the age of 21
No coverage
No coverage
€70 for 2 lessons
€70 for 2 lessons
€120 for 2 lessons
Some cases
No coverage
No coverage
No coverage
No coverage
€2,500
€5,000
€5,000
€10,000
€10,000
Limited, as per coverage for the Dental surgeon, Dental prosthesis, Front-teeth replacement and Specialist dental care
No coverage
No coverage
No coverage
No coverage
€200 of which up to €75 for preventive dental health care (M codes)
€500 of which up to €150 for preventive dental health care (M codes)
€1,250 of which up to €250 for preventive dental health care (M codes)
- check-ups and preventive care in full
- other dental care: €2,000, of which up to max. €300 for fillings and gum treatments combined
- electric toothbrush + brush heads
100% of most treatments
No coverage
No coverage
€500
100%
You pay a personal contribution for full dentures and repair/rebasing
No coverage
€120
€200
100%
€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
€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
€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
No coverage
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
100% in certain situations in the event of contracted health care, otherwise limited coverage
No coverage
No coverage
No coverage
No coverage
3 hours
No coverage
€120
€200
100%
No coverage
No coverage
No coverage
9 hours
After hospital admission
18 hours
After hospital admission
1 week
In the case of emergency admission after a serious accident or diagnosis of a serious ailment
No coverage
No coverage
€350 for entire term of the health-care plan
€750 for entire term of the health-care plan
€1,500 for entire term of the health-care plan
No coverage
No coverage
No coverage
€250 for all exercise programmes in the event of chronic illness, cancer, and the combined lifestyle intervention jointly
€500 for all exercise programmes in the event of chronic illness, cancer, and the combined lifestyle intervention jointly
100% only for exercise programmes during and after cancer
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
1 toothbrush, once per term of health-care plan and set of 4 brush heads per calendar year
Up to the age 43
For IVF: 1st, 2nd and 3rd attempts only, from IVF coverage
No coverage
No coverage
No coverage
4th and 5th IVF attempt (up to the
age of 43), from IVF coverage
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, coverage under Dental health care from the age of 18
Sometimes, coverage under Dental health care from the age of 18
Sometimes, coverage under Dental health care from the age of 18
Sometimes, coverage under Dental health care after an accident
Sometimes, from the OntzorgPlus coverage Dental health care after an accident
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
€25 per day for personal payment
Max. 3 months
€50 per day for personal payment
Max. 3 months
100%
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
No coverage
No coverage
No coverage
Up to the age of 43, attempts 4 and 5
100% as per the Reglement Zvw-pgb
[Zvw-pgb regulations]
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
Annually
Annually
Annually
100%, you will need to pay a personal contribution
No coverage
€250 for the personal contribution and extra maternity care
€400 for the personal contribution and extra maternity care
€550 for the personal contribution and extra maternity care
No coverage
No coverage
Once per birth
Once per birth
Once per birth
100%
No coverage
No coverage
No coverage
No coverage
100% in the event of contracted health care, otherwise limited coverage
Sometimes you will need to pay a personal contribution
No coverage
No coverage
€250 for personal contributions
€500 for personal contributions
100%
No coverage
No coverage
No coverage
No coverage
In the event of diagnosed or suspected psychological disorders:
100% for a contracted health-care provider, otherwise limited coverage
No coverage
No coverage
€500 for consultations for adjustment disorders and work and relationship problems
€1,000 for consultations for adjustment disorders and work and relationship problems
100%
No coverage
No coverage
No coverage
No coverage
In certain situations, you will generally need to pay a personal contribution of €118
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%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€150 for personal contributions, some registered medicines and dressings
€300 for some registered medicines, dressings and melatonin, of which up to €250 for personal contributions
€1,500 for some registered medicines, dressings and melatonin, of which up to €250 for personal contributions
100% in the event of contracted health care, otherwise limited coverage
According to preference policy
Sometimes you will need to pay a personal contribution
No coverage
The personal contribution under coverage for Medicines in supplementary health-care plans
The personal contribution under coverage for Medicines in supplementary health-care plans
The personal contribution under coverage for Medicines in supplementary health-care plans
No coverage
No coverage
No coverage
€200 for consultations
€350 for consultations
100% in the event of contracted health care, otherwise limited coverage
No coverage
No coverage
No coverage
No coverage
10 hours
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
No coverage
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
100%
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
For serious ailments only, under coverage for Specialist dental health care
No coverage
No coverage
From the start of treatment:
1st 12 months max. €1,000
2nd 12 months max. €1,000
From the start of treatment:
1st 12 months max. €1,000
2nd 12 months max. €1,000
3rd 12 months max. €1,000
100% for certain ailments
No coverage
€500 for other eye complaints
€750 for other eye complaints
€1,000 for other eye complaints
Sessions:
• List of chronic ailments for physiotherapy: from the 21st
• Intermittent claudication: max. 37
• Osteoarthritis in the knee or hip joint: max. 12
• COPD: depending on the GOLD grade, 0 to 70
• Urinary incontinence: max. 9
• Rheumatoid arthritis, axial spondyloarthritis and COVID-19: coverage under Provisionally approved treatments
• Exercise intervention for fall prevention
10 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
16 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
30 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
50 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
List of chronic ailments for physiotherapy: 100%
Other medical indications: 9 sessions, and 9 additional sessions on referral
10 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
16 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
30 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
50 sessions, of which up to 9 manual therapy sessions
100% in the event of contracted health care, otherwise limited coverage
In specific cases
No coverage
No coverage
In the case of physical dysfunction:
Upper eyelid corrections and replacement of breast prostheses
Correction of the position of the ears up to the age of 18
In the case of physical dysfunction:
Correction of the position of the ears up to the age of 18
100%, you will need to pay a personal contribution in some cases
No coverage
€250 for the personal contribution and extra maternity care, under coverage for Maternity care
€400 for the personal contribution and extra maternity care, under coverage for Maternity care
€550 for the personal contribution and extra maternity care, under coverage for Maternity care
On medical grounds, under coverage for General practitioner, Medical specialist or Testing for hereditary diseases
1 personal health check-up or sports health check-up
1 personal health check-up or sports health check-up
1 personal health check-up or sports health check-up. And 50% of other
health check-ups or a sports-medical examination, up to max. €200
1 personal health check-up or sports health check-up. And up to max. €350:
• 50% of other health check-ups or a sports-medical examination
• 100% for pharmacogenetic testing
No coverage
No coverage
No coverage
75% for first aid courses and 100% for other courses
Total up to max. € 150
75% for first aid courses and 100% for other courses
Total up to max. € 250
100%
No coverage
No coverage
No coverage
€50 per day for extra facilities
100% if you enter the clinical trial
No coverage
No coverage
No coverage
No coverage
100% under Medical specialist coverage
No coverage
No coverage
€500
100%
100%
No coverage
No coverage
No coverage
No coverage
Programme aimed at quitting smoking, including nicotine replacement/medicines
No coverage
No coverage
€150 for quitting smoking and other preventive health-related courses, coverage under Preventive health-related courses
€250 for quitting smoking and other preventive health-related courses
Coverage under Preventive health-related courses
With our permission
No coverage
No coverage
No coverage
No coverage
100%
No coverage
No coverage
No coverage
No coverage
100%, you will need to pay a personal contribution in some cases
No coverage
No coverage
No coverage
No coverage
The personal contribution, coverage under Dental health care from the age of 18
The personal contribution, coverage under Dental health care from the age of 18
The personal contribution, coverage under Dental health care from the age of 18
The personal contribution, coverage under Dental health care from the age of 18
100%
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
Parents of the child: €12.50 per day, up to €260
Family member of the adult: €25 per day
100% for parents of the child and a family member of the adult
100% of the overnight costs after a transplant or cancer treatment
No coverage
No coverage
Once during the entire term of the health-care plan
€1,000 for female sterilisation
€350 for male sterilisation
Once during the entire term of the health-care plan
€1,200 for female sterilisation
€400 for male sterilisation
100% for sterilisation and reversal operation
1 year wait for reversal operation
No coverage
No coverage
€350 for entire term of the health-care plan
€500 for entire term of the health-care plan
100%
No coverage
No coverage
100%
100%
100%
No coverage
No coverage
No coverage
No coverage
€50
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
No coverage
No coverage
No coverage
€75
€75
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€300 for asthma, diabetes, obesity, constitutional eczema, or cancer
100% for asthma, diabetes, obesity, constitutional eczema, or cancer
100%
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
No coverage
€100 for 5 kinds of walking aids
€100 for 5 kinds of walking aids
No coverage
No coverage
No coverage
No coverage
No coverage
Repatriation of the physical remains or €7,500 for funeral expenses
Travel companion’s extra travel and accommodation expenses
Costs of family coming over
No coverage
No coverage
No coverage
No coverage
No coverage
Extra travel and accommodation costs (abroad) that you incur when you have to return home unexpectedly
100% as per Dutch rates
No coverage
No coverage
No coverage
No coverage
100% for medical specialists in Belgium and Germany
No coverage
No coverage
No coverage
No coverage
No coverage
Repatriation in the event of serious ailment or injury
Visitor
No coverage
No coverage
No coverage
No coverage
No coverage
Replacement driver
No coverage
No coverage
No coverage
No coverage
€200 per day, up to €2,000
In a zorghotel recognised by us
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Very satisfied, I feel like I don't have to worry. ONVZ simply arranges it.
