Are chiropractic or physiotherapy treatments subject to the mandatory deductible (eigen risico)?

No. Treatments covered by supplementary insurance (aanvullende verzekering) are never subject to the mandatory deductible of €385. You can use your care at Avant-Garde immediately without affecting your deductible.

Which insurer offers the best coverage for chiropractic care in 2026?

For 2026, ONVZ and VvAA are the leaders for chiropractic care. They offer a daily allowance of €65 and a generous annual budget of €550 (in the Optifit package), which is ideal for specialized treatment plans.

How do I claim my treatment costs at Avant-Garde?

As we operate as a non-contracted provider, you pay the invoice via card after your treatment. You will receive a receipt that you can easily submit through your insurer's app. The reimbursed amount is usually deposited into your account within a few business days.

Is there a medical selection or waiting period for 2026?

For most supplementary packages for physiotherapy and chiropractic care, there is no medical selection or waiting period. You are covered immediately from January 1st. However, be aware of potential acceptance procedures for extremely extensive packages.

What is the advantage of a 'restitutiepolis' (freedom of choice policy)?

With a freedom of choice policy, you decide which specialist you visit. For our specialized care at Avant-Garde in Haarlem, a 'restitutiepolis' almost always offers higher reimbursement for non-contracted care.

Can I adjust my insurance package during the year?

No, you can only change your health insurance and supplementary packages once a year. This must be arranged by December 31st, 2025, at the latest.

Are chiropractic treatments covered by the same budget as physiotherapy?

With most Dutch insurers, chiropractic care falls under 'Alternative Care', while physiotherapy has its own separate coverage. This often allows you to utilize both budgets for a combined treatment plan at our clinic.

The new health insurance premiums for 2026 have been announced.

The big question is not just which insurer to choose, but if you should take out supplementary insurance (aanvullende verzekering) at all. This depends entirely on how often you expect to visit the practice.

Many of our clients consciously choose specialized healthcare providers who work without contracts. But what does this mean for your reimbursement?

Read everything you need to know about non-contracted care here and what to look out for.

In addition to the big household names, this overview highlights a few specialized insurers (such as Stad Holland and ONVZ/VvAA). Especially if you value “free choice of provider,” these parties often offer the best conditions.

Important Disclaimer:

This overview is advice based on the 2026 policy conditions and general calculation examples. Every situation is unique. Premiums and reimbursements are subject to change and depend on your age and collective agreements. No rights can be derived from this message. Always check the policy conditions yourself.

Scenario 1: The “Light User” (approx. 6 treatments per year)

Do you expect only occasional treatments in 2026 (e.g., once every 2 months or a short treatment plan of 6 sessions)? Pay close attention.

The Math:
Supplementary insurance quickly costs between € 275 and € 350 per year.
Example: You visit the chiropractor 6 times (€ 65 per visit) = € 390.
However, many “budget” packages only reimburse up to € 250 per year or have a low daily cap. You would end up paying the premium plus extra costs out of pocket.
Advice for Chiropractic: Often do not insure. Putting the premium amount into a savings account is usually cheaper.
Advice for Physiotherapy: With 6 physio sessions (approx. € 240 total cost), the premium is often higher than the actual costs. Paying out of pocket is cheaper.

Scenario 2: The “Average User” (approx. 9 to 12 treatments per year)

Do you need regular maintenance or do you expect to rehabilitate an injury? This is often the tipping point.

1. Focus on Chiropractic (Supplementary)

You are looking for a package with a reimbursement of at least € 350 to € 450.

Recommendation: Stad Holland AV Standaard.

Why: Stad Holland works without contracts entirely and reimburses market rates. You don’t have to worry about “non-contracted care” penalties.

Coverage: € 350 pot for alternative care (note: max € 30 per day).

Alternative: DSW AV-Standaard.

Why: Similar to Stad Holland, very reliable. Coverage € 450 (max € 30 per day).

2. Focus on Physiotherapy (Non-contracted)

You are looking for a package with 9 to 12 treatments.

Recommendation: Zilveren Kruis 2 Sterren or CZ Plus.

Why: They offer 12 treatments for a mid-range price. Note: always check their rate list for non-contracted care.

3. The Best Combination (Chiro + Physio)

Our Tip: VGZ Aanvullend Beter (or IZA Extra 1 for civil servants).

Coverage: 16x physio + € 300 alternative care.

Cost: You pay approximately € 340 premium per year. If you use both budgets, you will get more value back than you paid.

Scenario 3: The “Heavy User” (20+ treatments per year)

Do you have chronic complaints or do you play sports intensively? For patients who use a lot of non-contracted physio and chiropractic care, there are really only three “Kings of Free Choice” in 2026: ONVZ, Stad Holland, and DSW.

Unsure about the difference between “restitutie” (restitution) and “natura” (in-kind)? Read our explanation on non-contracted care.

1. Focus on Chiropractic (Highest daily cap)

With many treatments, the reimbursement per day is crucial. If you pay € 65 per consult and the insurer only covers € 30 (like DSW/Stad Holland), you still pay a lot yourself.

The Winner: ONVZ Optifit (also VvAA Optifit & PNOzorg).

Why: Daily reimbursement of € 65 (the highest in the market) and a yearly pot of € 550.

2. Focus on Physiotherapy (Non-contracted)

Many insurers only pay 50-70% if your physiotherapist does not have a contract. These parties do not do that:

The Winner: Stad Holland AV Top or AV Extra.

Why: Stad Holland does not sign contracts with anyone. You simply get the market rate reimbursed at every physiotherapist. No fine print.

Runner-Up: DSW AV-Top (27 treatments, very flexible policy).

3. The Best Combination (Chiro + Physio)

Insurer	Package	Physio	Chiro Daily Cap	Chiro Yearly Total	Free Choice Score
ONVZ / VvAA	Optifit	30x	€ 65,- (Top!)	-€ 550	⭐⭐⭐⭐⭐
Stad Holland	AV Top	36x	-€ 30	-€ 500	⭐⭐⭐⭐⭐
DSW	AV Top	27x	-€ 35	-€ 450	⭐⭐⭐⭐

The Advice:

- Choose ONVZ / VvAA if you have higher costs per chiropractic consult (because of the high € 65 daily coverage).
- Choose Stad Holland if you need an extremely high amount of physiotherapy (36x) and want absolute certainty about free choice without contract hassles.

Tip: Special Collectives (IZA, VvAA, PNO)

Do you belong to a specific professional group? Then you can often benefit from the same high-quality coverage as the expensive brands, but with a discount or extras.

Do you work in Healthcare? -> VvAA

The VvAA health insurance is virtually identical to ONVZ (including that excellent € 65 daily cap for chiropractic and 30x physio in the Optifit package), but often slightly cheaper or with member benefits.

Do you work for the Government/Municipality? -> IZA

IZA (part of VGZ) has the IZA Extra 3 policy. This offers extensive physio coverage and often extra prevention budgets that standard VGZ policies do not have.

Do you work in the Creative Sector / Media? -> PNO

PNOzorg (part of ONVZ) offers the same strong conditions as ONVZ. Ideal for those who value free choice.

Extras in the Packages (Overview)

Below are the most popular choices for 2026, including the specialists Stad Holland and ONVZ/VvAA.

Insurer + Package	Physiotherapy	Chiro (Alt. Care)	Contraception (21+)	Orthodontics (<18)
Menzis ExtraVerzorgd 2	12x	€ 300,- (max €40/day)	✅ 100%	❌
VGZ Aanvullend Beter	16x	€ 300,- (max €40/day)	✅ 100%	❌
Stad Holland AV Standaard	12x	€ 350,- (max €30/day)	✅ 100%	❌
Zilveren Kruis 3 Sterren	20x	€ 450,- (max €40/day)	✅ 100%	✅ 80%
DSW AV-Top	27x	€ 450,- (max €35/day)	✅ 100%	✅ 75%
ONVZ / VvAA Optifit	30x	€ 550,- (max €65/day)	✅ 100%	✅ 100%
Stad Holland AV Top	36x	€ 500,- (max €30/day)	✅ 100%	✅ 75%

More Information?

The choice for 2026 is clear:

For maximum daily reimbursement (Chiropractic): Choose ONVZ or VvAA.

For carefree free choice (Physio): Choose Stad Holland or DSW.

Do you want more background information?

ℹ️ All about Non-Contracted Care

View the full reimbursement overview at www.chiropractievergoedingen.nl

Do you have doubts about your treatment plan for 2026? Feel free to ask us during your next appointment!

Dutch Health Insurance 2026

The new health insurance premiums for 2026 have been announced.

Scenario 1: The “Light User” (approx. 6 treatments per year)

Scenario 2: The “Average User” (approx. 9 to 12 treatments per year)

1. Focus on Chiropractic (Supplementary)

2. Focus on Physiotherapy (Non-contracted)

3. The Best Combination (Chiro + Physio)

Scenario 3: The “Heavy User” (20+ treatments per year)

1. Focus on Chiropractic (Highest daily cap)

2. Focus on Physiotherapy (Non-contracted)

3. The Best Combination (Chiro + Physio)

Tip: Special Collectives (IZA, VvAA, PNO)

Extras in the Packages (Overview)

More Information?