Care3 by Care4Life (2026)
Care3 is a supplementary insurance from Care4Life for 2026.
- Package type
- Supplementary insurance
- Acceptance
- Everyone is accepted
- Waiting period
- No waiting period
Summary
Extensive Care4Life package with 18 physio or exercise therapy sessions, skin treatments, orthodontics under 18 and higher budgets.
Only available together with basic insurance from Care4Life.
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 |
|---|---|---|---|---|---|
| Occupational therapy Read automatically, not yet checkedName used by the insurer: Ergotherapie, in aanvulling op de basisverzekering | Unlimited | 100% | 3 | calendar year, per person | Maximum is uitgedrukt in uren per kalenderjaar, bovenop de basisverzekering. |
| Medical pedicure Read automatically, not yet checkedName used by the insurer: Pedicure (medische voet) | €100 | 100% | Unlimited | calendar year, per person | Up to €25.00 per treatmentMaximaal € 25 per dag. |
| Podiatry Read automatically, not yet checkedName used by the insurer: Podotherapie, podologie en steunzolen | €150 | 100% | Unlimited | calendar year, per person | |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie (Cesar/Mensendieck) | Unlimited | 100% | 18 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Waarvan maximaal 9 behandelingen manuele therapie per aandoening. |
| Fysio Zelfcheck appExtra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Hardloopcoaching bij blessuresExtra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | 1 | calendar year, per person | Eén online coachingstraject van FysioRunning. |
| IncoCure (zelfhulpprogramma bij incontinentie)Extra lineunder Physiotherapy Read automatically, not yet checked | €15 | 100% | Unlimited | calendar year, per person | |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnébehandeling | €200 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checked | €200 | 100% | Unlimited | duration of the insurance, per person | |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Ontharing | €250 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Crowns, bridges and implants Read automatically, not yet checkedName used by the insurer: Kronen, bruggen, inlays en implantaten tot 18 jaar | Unlimited | 100% | Unlimited | calendar year, per person | Alleen voor verzekerden jonger dan 18 jaar. |
| Orthodontics for children (under 18) Read automatically, not yet checked | €1,000 | 70% | Unlimited | duration of the insurance, per person | |
| 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 geldt per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Brillen en lenzen | €150 | 100% | Unlimited | 3 calendar years, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Spoedeisende zorg in het buitenland tijdens vakantie of tijdelijk verblijf | Unlimited | 100% | Unlimited | calendar year, per person | Volledige vergoeding bovenop de basisverzekering. |
| Spoedeisende farmaceutische zorg in het buitenlandExtra lineunder Emergency care abroad Read automatically, not yet checked | €50 | 100% | Unlimited | calendar year, per person | Alleen geneesmiddelen die de basisverzekering niet vergoedt. |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Vaccinaties en preventieve geneesmiddelen buitenland | €150 | 100% | Unlimited | calendar year, per person | Alleen bij een gecontracteerde zorgverlener. |
| Repatriation Read automatically, not yet checkedName used by the insurer: Repatriëring vanuit het buitenland | 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 zorg | €300 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesConsulten van alternatieve artsen of therapeuten en homeopathische/antroposofische middelen; consulten maximaal € 40 per dag. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptiemiddelen vanaf 21 jaar | Unlimited | 100% | Unlimited | calendar year, per person | |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Zwangerschapscursus | €75 | 100% | Unlimited | per event (accident, birth), per person | Maximum geldt per zwangerschap. |
| Zelfhulpprogramma 'Slimmer Zwanger'Extra lineunder Pregnancy and childbirth course Read automatically, not yet checked | Unlimited | 100% | 1 | duration of the insurance, per person | |
| Maternity pack Read automatically, not yet checked | Unlimited | 100% | Unlimited | per event (accident, birth), per person | Eén pakket per zwangerschap. |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Eigen bijdrage bevalling | Unlimited | 100% | Unlimited | calendar year, per person | |
| Maternity care co-payment Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Extra kraamzorg | Unlimited | 100% | Unlimited | per event (accident, birth), per person | Vijftien uur per bevalling. |
| Lactation consultant Read automatically, not yet checked | €100 | 100% | Unlimited | per event (accident, birth), per person | Maximum geldt per bevalling. |
| Therapeutic camp Read automatically, not yet checkedName used by the insurer: Therapeutisch vakantiekamp voor gehandicapten | €150 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Exercise programme and medical fitness | No general coverage, only the extra lines below. | ||||
| Bewegen in extra verwarmd water bij reumaExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | |
| Health check and preventive screening Read automatically, not yet checkedName used by the insurer: Gezondheidstest/healthcheck | Unlimited | 100% | 1 | calendar year, per person | |
| MammaprintExtra lineunder Health check and preventive screening Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Alleen bij laboratorium Agendia. |
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Christelijke psychosociale hulp en relatietherapie | €400 | 100% | Unlimited | calendar year, per person | Alleen via hulpverleners of organisaties die in het Register Christelijke Zorg staan. |
| Diet and lifestyle advice Read automatically, not yet checkedName used by the insurer: Gewichtsconsulent | €100 | 100% | Unlimited | calendar year, per person | |
| Leefstijltrainingen voor hartpatiënten, whiplashpatiënten en bij stress of burn-outExtra lineunder Diet and lifestyle advice Read automatically, not yet checked | €1,000 | 100% | Unlimited | calendar year, per person | Alleen bij Leefstijl Training & Coaching (LTC). |
| Mindfulness and stress training Read automatically, not yet checkedName used by the insurer: Mindfulness training | €200 | 100% | Unlimited | calendar year, per person | |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch onderzoek | €150 | 100% | Unlimited | calendar year, per person | |
| Preventive courses Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Up to €115.00 per treatmentMaximaal € 115 per cursus per kalenderjaar. |
| Cursus verminderen alcoholgebruikExtra lineunder Preventive courses Read automatically, not yet checked | €300 | 100% | Unlimited | calendar year, per person | |
| SlaapcursusExtra lineunder Preventive courses Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | Georganiseerd door Somnio of een thuiszorginstelling. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Vervoerskosten na zorgbemiddeling naar België of Duitsland | Unlimited | 100% | Unlimited | calendar year, per person | Taxi volledig bij gecontracteerd vervoerder, openbaar vervoer laagste klasse volledig, eigen auto per kilometer. |
| Overnachtings- en vervoerskosten bij expertisebehandelingen in het buitenlandExtra lineunder Travel and stay for specialist treatment Read automatically, not yet checked | €5,000 | 100% | Unlimited | one-off, per person | Totaal € 5.000; verblijf € 75 per persoon per nacht, vervoer in economy of laagste klasse of volgens kilometervergoeding. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Overnachtings- en vervoerskosten gezinsleden na zorgbemiddeling naar België of Duitsland | €500 | 100% | Unlimited | one-off, per person | Up to €35.00 per treatmentTotaal € 500; verblijf € 35 per nacht, openbaar vervoer laagste klasse, taxi of eigen auto per kilometer. |
| Overnachting in een logeerhuis en/of reiskosten ziekenbezoekExtra lineunder Guest house and travel costs for visitors Read automatically, not yet checked | €500 | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentSamen € 500 per jaar; verblijf € 35 per nacht, openbaar vervoer laagste klasse of kilometervergoeding. |
| Medical aids (supplementary) Read automatically, not yet checkedName used by the insurer: Spalken, braces en/of bandages | €100 | 100% | Unlimited | calendar year, per person | |
| Persoonlijke alarmeringsapparatuurExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €75 | 100% | Unlimited | calendar year, per person | |
| Trans-therapieExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| TENS bij bevalling (pijnbestrijding)Extra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | 1 | duration of the insurance, per person | Eén apparaat, alleen via een gecontracteerde leverancier. |
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Pruik of andere hoofdbedekking | €200 | 100% | Unlimited | calendar year, per person | |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Toebehoren mammaprothese | Unlimited | 100% | Unlimited | calendar year, per person | |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie tot 18 jaar | Unlimited | 100% | Unlimited | calendar year, per person | Alleen voor verzekerden jonger dan 18 jaar. |
| Recovery stay and care hotel Read automatically, not yet checkedName used by the insurer: Verblijf in een christelijk herstellingsoord voor psychosomatische gezondheidszorg | Unlimited | 100% | 28 | calendar year, per person | Up to €50.00 per treatment€ 50 per dag; maximum aantal dagen per kalenderjaar. |
| Sterilisation Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Breast pump Read automatically, not yet checked | €75 | 100% | Unlimited | per event (accident, birth), per person | Maximum geldt per bevalling. |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Eigen bijdrage hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €65.00 per treatmentMaximaal € 65 per dag. |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Vervangende mantelzorg | €1,500 | 100% | Unlimited | calendar year, per person | Up to €150.00 per treatmentMaximaal € 150 per dag. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Zorg voor vrouwen (Care for Women of VVOC) | €100 | 100% | Unlimited | calendar year, per person | Alleen bij Care for Women of de VVOC. |
Premium by age
The premium for supplementary insurance may depend on your age on 1 January.
| Age | Per month | Per year |
|---|---|---|
| 0 years and older | €39.33 | €471.96 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview Care4Life 2026 (Retrieved on 28 October 2026)
- Coverage overview Care4Life 2026 (Retrieved on 28 October 2026, page 1)
- Coverage overview Care4Life 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview Care4Life 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview Care4Life 2026 (Retrieved on 28 October 2026, page 4)
- Premium overview Care4Life 2026 (Retrieved on 29 October 2026)