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ONVZ Vrije Keuze Basisverzekering by ONVZ (2026)

ONVZ Vrije Keuze Basisverzekering from ONVZ for 2026. Policy type: combination policy (combinatie).

  • Combination policy (combinatie)
Policy type
Combination policy (combinatie)
Insurer
ONVZ
Policy terms version
2e versie, gepubliceerd 15 december 2025

VGZ becomes the risk carrier of ONVZ on 1 January 2027.The ONVZ brand stays. From then on VGZ carries the financial risk and buys the care, so the contracted care providers may change. The ACM approved this on 18 December 2025.

Source: Merger decision VGZ and ONVZ (ACM, Dutch)

Summary

A combination policy works like an in-kind policy for some care and like a reimbursement policy for other care. Below you can see, per type of care, what is reimbursed without a contract.

Medicines from a non-contracted pharmacy are reimbursed up to 80% of the pharmacy purchase price plus VAT.

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 ONVZ 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€166.10€1,993.20
€100€485€163.10€1,957.20
€200€585€160.10€1,921.20
€300€685€157.10€1,885.20
€400€785€154.10€1,849.20
€500€885€144.10€1,729.20

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 ONVZ.

Reimbursement for non-contracted care
Type of care Reimbursement without a contract
Pharmacy and medicines80% of the average contracted rate
Mental health care (ggz)75% of the average contracted rate
Medical aids80% of the average contracted rate
Independent clinics80% of the average contracted rate
District nursing (wijkverpleging)70% of the average contracted rate
Hospital care80% of the average contracted rate

Hospitals and clinics

Which hospitals, clinics and other institutions have a contract with ONVZ Vrije Keuze Basisverzekering? I know the status of 17669 care providers. Click a name for the details and the source.

Contracted (9611)

I show 100 of 9611, hospitals and clinics first.

Partly contracted (560)

I show 100 of 560, hospitals and clinics first.

No contract (7484)

I show 100 of 7484, hospitals and clinics first.

Unknown (14)

According to the care finder (zorgzoeker) of ONVZ, retrieved between 28 October 2026 and 29 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 ONVZ can be combined with ONVZ Vrije Keuze Basisverzekering.

Changes since 2025

This policy is new in 2026.

Sources

  1. Policy conditions ONVZ 2026 (Retrieved on 28 October 2026)
  2. Premium overview ONVZ 2026 (Retrieved on 28 October 2026)