Skip to content
Log in
Menu

Basis by FBTO (2026)

Basis from FBTO for 2026. Policy type: in-kind policy (natura).

  • In-kind policy (natura)
Policy type
In-kind policy (natura)
Insurer
FBTO
Policy terms version
Januari 2026

Summary

With a natura (in-kind) policy, care is fully covered at care providers that have a contract with this insurer. At a provider without a contract, you often get only part of the costs reimbursed.

FBTO in-kind policy that reimburses non-contracted care up to 65% of the average contracted rate. Certain medical aids are only fully covered when ordered online from specially contracted suppliers.

This summary was written from the insurer's documents and checked by me. The insurer's policy terms (polisvoorwaarden) are legally binding.

Source: Policy conditions FBTO 2026 (Retrieved on 28 October 2026)

Premium per deductible level

The higher your voluntary deductible (vrijwillig eigen risico), the lower your premium. But if you use care that counts towards the deductible, you pay more yourself.

Premium per deductible level
Voluntary deductible Total deductible Per month Per year
None€385€148.75€1,785.00
€100€485UnknownUnknown
€200€585€144.75€1,737.00
€300€685UnknownUnknown
€400€785UnknownUnknown
€500€885€138.75€1,665.00

The premium for this policy is the same for everyone aged 18 or over, regardless of age or health. Children under 18 pay no premium for basic insurance.

Choice of care providers

How much is reimbursed if you go to a care provider that has no contract with FBTO.

Reimbursement for non-contracted care
Type of care Reimbursement without a contract
Medical aids65% of the average contracted rate
Independent clinics65% of the average contracted rate
Other care65% of the average contracted rate
Hospital care65% of the average contracted rate

Restrictions of this budget policy

  • Contracts with a limited number of care providers

Hospitals and clinics

Which hospitals, clinics and other institutions have a contract with Basis? I know the status of 15848 care providers. Click a name for the details and the source.

Contracted (15588)

I show 100 of 15588, hospitals and clinics first.

Partly contracted (71)
No contract (120)

I show 100 of 120, hospitals and clinics first.

Unknown (69)

According to the care finder (zorgzoeker) of FBTO, retrieved on 28 October 2026. Contracts can change during the year. Before treatment, always check with your insurer or the care provider whether there is a contract.

Find another care provider

What is covered

Basic insurance covers the same care at every insurer; the government decides the basic package. Insurers differ in premium, choice of care providers and service.

Supplementary insurance with this policy

These packages from FBTO can be combined with Basis.

Changes since 2025

This policy is new in 2026.

Sources

  1. Policy conditions FBTO 2026 (Retrieved on 28 October 2026)
  2. Premium overview FBTO 2026 (Retrieved on 29 October 2026)
  3. Premium overview FBTO 2026 (Retrieved on 28 October 2026)