AV Optimaal by De Friesland (2026)
AV Optimaal is a supplementary insurance from De Friesland for 2026.
- Package type
- Supplementary insurance
- Acceptance
- Everyone is accepted
- Waiting period
- No waiting period
- Child
- Children under 18 are covered free of charge if a parent has this package.
No longer available to new customers. De Friesland no longer offers this package to new customers. If you already have it, you can read below what it covers. I leave it out of my comparison tool and the coverage pages.
Summary
Most extensive package with the Alles Verzorgd Polis, no longer available to new customers. Covers 36 physiotherapy or exercise therapy sessions, alternative care up to € 600 and respite care.
Only available together with basic insurance from De Friesland.
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 |
|---|---|---|---|---|---|
| Dietetics Read automatically, not yet checked | €120 | 100% | Unlimited | calendar year, per person | Aanvullend op de 3 uur uit de basisverzekering. |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysio- en oefentherapie | Unlimited | 100% | 36 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Voor alle fysio- en oefentherapie samen, aansluitend op de basisverzekering; hooguit 9 keer manuele therapie. |
| Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflagelessen | €150 | 100% | Unlimited | one-off, per person | |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Epilatie en acnébehandeling | €500 | 100% | Unlimited | calendar year, per person | Gezamenlijk budget voor elektrische of laserontharing en acnébehandeling. |
| Medical pedicure Read automatically, not yet checkedName used by the insurer: Pedicurezorg bij reuma en diabetes | €200 | 100% | Unlimited | calendar year, per person | |
| Podiatry Read automatically, not yet checkedName used by the insurer: Podotherapie, podologie en podoposturale therapie | €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 en bruggen tot 18 jaar | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed voor kinderen tot 18 jaar. |
| Orthodontics for children (under 18) Read automatically, not yet checkedName used by the insurer: Beugels (orthodontie) tot 18 jaar | €1,750 | 100% | Unlimited | duration of the insurance, per person | Bedrag voor de hele verzekeringsduur; wachttijd van 1 jaar. |
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Tandongevallenregeling | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Adds up with cover from other packagesMaximum per ongeval, zo nodig bovenop de vergoeding uit de AV Tand. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checked | €150 | 100% | Unlimited | 3 calendar years, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledige vergoeding, ook boven het Nederlandse tarief. |
| Repatriation Read automatically, not yet checkedName used by the insurer: Repatriëring bij ziekte en/of ongeval | Unlimited | 100% | Unlimited | calendar year, per person | |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Preventieve consulten en middelen bij verblijf in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve/complementaire zorg | €600 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesConsulten tot € 40 per dag; homeopathische en antroposofische middelen volledig, binnen het jaarbudget. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptiva | Unlimited | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar volledig vergoed. |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Bevalling en kraamzorg: eigen bijdrage | Unlimited | 100% | Unlimited | calendar year, per person | Wettelijke eigen bijdrage voor kraamzorg volledig vergoed. |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Bevalling en kraamzorg: eigen bijdrage bevalling | Unlimited | 100% | Unlimited | calendar year, per person | Wettelijke eigen bijdrage bij bevallen in het ziekenhuis zonder medische indicatie volledig vergoed. |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Uitgestelde kraamzorg thuis | Unlimited | 100% | 15 | calendar year, per person | Maximaal 15 uur. |
| Lactation consultant Read automatically, not yet checkedName used by the insurer: Lactatiekundig advies | €100 | 100% | Unlimited | per event (accident, birth), per person | Maximum per bevalling. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma's | €450 | 100% | Unlimited | one-off, per person | Eenmalig per indicatie. |
| Medische fitnessExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked | €120 | 100% | Unlimited | one-off, per person | Hooguit 6 maanden. |
| Dans op Recept voor ParkinsonpatiëntenExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked | €500 | 100% | Unlimited | calendar year, per person | |
| Preventive courses Read automatically, not yet checkedName used by the insurer: Cursussen | €150 | 100% | Unlimited | calendar year, per person | Eén budget voor alle cursussen samen. |
| Patient association membership Read automatically, not yet checkedName used by the insurer: Lidmaatschap patiëntenorganisatie | €35 | 100% | Unlimited | calendar year, per person | |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedische keuring | €250 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Transport after death Read automatically, not yet checkedName used by the insurer: Overlijden in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Vervoer van het stoffelijk overschot naar Nederland. |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| Probe bij bekkenfysiotherapieExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €30 | 100% | Unlimited | calendar year, per person | |
| SteunpessariumExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: (Genees)middelen | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed voor een beperkt aantal middelen, na voorafgaande toestemming. |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | €750 | 100% | Unlimited | calendar year, per person | |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervangende hulp | Unlimited | 100% | 21 | calendar year, per person | Volledig vergoed tot 21 dagen per jaar. |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed tot 18 jaar. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Overgangsconsult | €200 | 100% | Unlimited | one-off, per person | |
| Bedwetting alarm Read automatically, not yet checkedName used by the insurer: Plaswekker (aanschaf of huur) | Unlimited | 100% | 1 | one-off, per person | Eenmalig volledig vergoed, koop of huur. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Reiskosten ziekenbezoek en verblijfkosten gasthuis | €750 | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentPersonal contribution €100.00 per yearOv laagste klasse, auto € 0,40/km, verblijf tot € 35 per nacht. |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen en therapiezolen (in aanvulling op de basisverzekering) | €125 | 100% | Unlimited | 2 calendar years, per person | Vanaf 18 jaar € 125 per 2 jaar; tot 18 jaar € 125 per kalenderjaar. |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Terminale zorg in hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €30.00 per treatmentBedrag per dag. |
| Second opinion (including online) Read automatically, not yet checkedName used by the insurer: Tweede Arts Online | Unlimited | 100% | Unlimited | calendar year, per person | Alleen via de gecontracteerde aanbieder. |
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Vervoer en verblijf bij expertisebehandeling | Unlimited | 100% | Unlimited | calendar year, per person | Up to €5,000.00 per treatmentTot € 5.000 per behandeling; verblijf € 75 per persoon per nacht, vliegtuig economy en ov volledig, auto € 0,40/km. |
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 | €59.95 | €719.40 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 1)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 4)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 5)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 6)
- Coverage overview De Friesland 2026 (Retrieved on 28 October 2026, page 7)
- Premium overview De Friesland 2026 (Retrieved on 28 October 2026)