Vitaal 3 by Aon Verzekeringen (2026)
Vitaal 3 is a supplementary insurance from Aon Verzekeringen for 2026.
- Package type
- Supplementary insurance
- Acceptance
- The insurer may refuse you
- Waiting period
- No waiting period
- Child
- Children under 18 are covered free of charge if a parent has this package.
Summary
Extensive package with 20 physiotherapy sessions, orthodontics up to € 2,000 and laser eye surgery up to € 500.
Only available together with basic insurance from Aon Verzekeringen.
What this package covers
I extract coverage from the insurer's documents and check it afterwards. I mark data that has not been checked yet.
Indented lines are extra lines the insurer lists under the same type of care, for example for a specific condition. I show them so you can read them, but they do not count in my calculation of your annual costs or in the comparison. Check the policy terms to see whether they apply to you.
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysio- en oefentherapie Cesar/Mensendieck 18 jaar en ouder | Unlimited | 100% | 20 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Max 9 manuele therapie per indicatie; zelfde aantal bij bekkenfysio, artrose, etalagebenen; nazorg oncologie/hart/beroerte max 2 jaar. |
| Occupational therapy Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Maximaal 5 uur. |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Acnébehandeling/Epilatie | €400 | 100% | Unlimited | calendar year, per person | Elektrische, IPL- of laserepilatie en acnébehandeling. |
| Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflagelessen | €400 | 100% | Unlimited | duration of the insurance, per person | Maximum geldt voor de hele verzekeringsduur. |
| Medical pedicure Read automatically, not yet checkedName used by the insurer: Pedicurezorg (diabetische, medische of reumatische voet) | €200 | 100% | Unlimited | calendar year, per person | |
| Podiatry Read automatically, not yet checkedName used by the insurer: Podotherapie/podologie/podoposturale therapie en/of (sport)steunzolen | €200 | 100% | Unlimited | calendar year, per person | Shared with Orthopaedic insolesInclusief maximaal 1 paar (sport)steunzolen binnen hetzelfde maximum. |
| Dietetics Read automatically, not yet checkedName used by the insurer: Diëtetiek door diëtist (op medische indicatie) | Unlimited | 100% | Unlimited | calendar year, per person | Maximaal 3 uur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Orthodontics for children (under 18) Read automatically, not yet checkedName used by the insurer: Orthodontie inclusief second opinion tot 18 jaar | €2,000 | 100% | Unlimited | duration of the insurance, per person | Maximum voor de hele verzekeringsduur; er kan een wachttijd van 1 jaar gelden. |
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Tandheelkundige zorg als gevolg van een ongeval | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Brillen en/of contactlenzen | €200 | 100% | Unlimited | 2 calendar years, per person | |
| OptometristExtra lineunder Glasses and contact lenses Read automatically, not yet checked | Unlimited | 100% | 1 | 2 calendar years, per person | Eén onderzoek per 2 kalenderjaren. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Hoortoestel | Unlimited | 100% | Unlimited | calendar year, per person | Up to €200.00 per treatmentBijdrage in de wettelijke eigen bijdrage, maximum per toestel. |
| Laser eye surgery Read automatically, not yet checkedName used by the insurer: Ooglaseren / lensimplantatie (meerkosten) | €500 | 100% | Unlimited | duration of the insurance, per person | Maximum voor de hele verzekeringsduur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Spoedeisende zorg buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Aanvulling op de basisverzekering tot 100% van de kosten. |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Vaccinaties, consulten en preventieve geneesmiddelen buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Vaccinaties, consulten en preventieve middelen bij verblijf in het buitenland. |
| Repatriation Read automatically, not yet checkedName used by the insurer: Vervoer verzekerde en stoffelijk overschot naar Nederland (repatriëring) | Unlimited | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve geneeswijzen, therapieën en geneesmiddelen | €500 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesMax € 40 per behandeldag; antroposofische en homeopathische middelen vallen binnen hetzelfde maximum. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptiva 21 jaar en ouder | Unlimited | 100% | Unlimited | calendar year, per person | Vergoed, behalve de wettelijke eigen bijdrage. |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Bevalling poliklinisch zonder medische indicatie | Unlimited | 100% | Unlimited | calendar year, per person | Vergoeding van de wettelijke eigen bijdrage. |
| Maternity pack Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Kraamzorg thuis, in geboortecentrum of ziekenhuis zonder indicatie | Unlimited | 100% | Unlimited | calendar year, per person | Vergoeding van de wettelijke eigen bijdrage. |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Kraamzorg uitgesteld (medisch) | Unlimited | 100% | Unlimited | per event (accident, birth), per person | Maximaal 12 uur per zwangerschap. |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Zwangerschapscursus | €75 | 100% | Unlimited | per event (accident, birth), per person | Maximum per zwangerschap. |
| Zelfhulpprogramma Slimmer ZwangerExtra lineunder Pregnancy and childbirth course Read automatically, not yet checked | Unlimited | 100% | 1 | duration of the insurance, per person | Eén abonnement voor de hele verzekeringsduur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma's | €350 | 100% | Unlimited | per event (accident, birth), per person | € 350 per aandoening (hartfalen, diabetes type 2, COPD, reuma of kanker) voor de hele verzekeringsduur. |
| Preventive courses Read automatically, not yet checkedName used by the insurer: Preventie budget | €600 | 100% | Unlimited | calendar year, per person | Shared with Sports medical check-up and advice, Diet and lifestyle advice, Additional psychological support, Mindfulness and stress training, Flu vaccination, Health check and preventive screening, Courses and coaching for informal carersEén budget voor afvalcursus, aandoeningscursussen, EHBO, gezondheidscheck, griepprik, mantelzorgcursus, online modules, mindfulness, slaapcursus, sportarts, voedingsvoorlichting, zorg voor vrouwen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Overnachting- en vervoerskosten bij expertisebehandelingen in het buitenland | €5,000 | 100% | Unlimited | calendar year, per person | Up to €75.00 per treatmentMax € 75 per nacht; vliegtuig economy en ov laagste klasse volledig, eigen vervoer of taxi € 0,40/km; totaal voor verzekerde, begeleider en gezinsleden samen. |
| Medical aids (supplementary) Read automatically, not yet checkedName used by the insurer: Hulpmiddelen ADL | €100 | 100% | Unlimited | calendar year, per person | |
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Pruik of toupim van eigen haar | €200 | 100% | Unlimited | calendar year, per person | |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Geneesmiddelen uit de basisverzekering (wettelijke eigen bijdrage) | €250 | 100% | Unlimited | calendar year, per person | Vergoeding van de wettelijke eigen bijdrage, niet voor ADHD-medicijnen. |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Correctie oorstand tot 18 jaar (zonder medische noodzaak) | Unlimited | 100% | Unlimited | calendar year, per person | Correctie van de oorstand tot 18 jaar zonder medische noodzaak. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Gasthuis voor uw bezoek | €500 | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatment€ 35 per nacht, ov 100% of € 0,40/km; voor vervoer geldt eigen betaling van € 100; maximum voor alle bezoekers samen. |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentVergoeding per dag. |
| Second opinion (including online) Read automatically, not yet checkedName used by the insurer: Second opinion door Royal Doctors | Unlimited | 100% | Unlimited | calendar year, per person | |
| Sterilisation Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | €500 | 100% | Unlimited | calendar year, per person | |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervanging (tijdelijke) | Unlimited | 100% | Unlimited | calendar year, per person | Eenmaal 80 uur verspreid over 3 aaneengesloten maanden, alleen via gecontracteerde instelling. |
Premium by age
The premium for supplementary insurance may depend on your age on 1 January.
| Age | Per month | Per year |
|---|---|---|
| 0 to 17 years | €0.00 | €0.00 |
| 18 years and older | €53.25 | €639.00 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 4)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 5)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 6)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 7)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 8)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 9)
- Coverage overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026, page 10)
- Premium overview Aon Verzekeringen 2026 (Retrieved on 28 October 2026)