Zorg & Herstel by FBTO (2026)
Zorg & Herstel is a supplementary insurance from FBTO 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.
- Cancellation
- Alleen samen met de basisverzekering te kiezen; loopt dan het hele kalenderjaar door. Stoppen kan pas per 1 januari, via MijnFBTO zelf regelen.
Summary
Module with an annual budget of EUR 1,500 for hospital visits, home help, hospice, courses and counselling, plus second opinions.
Only available together with basic insurance from FBTO.
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 | No general coverage, only the extra lines below. | ||||
| Hardloopcoaching bij blessuresExtra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | 1 | calendar year, per person | Eén online coachingstraject van FysioRunning per jaar, binnen het gezamenlijke maximum van € 1.500. |
| Fysiotherapeutische nazorg (oncologie, hart- en vaatziekten, beroerte)Extra lineunder Physiotherapy Read automatically, not yet checked | €1,500 | 100% | Unlimited | calendar year, per person | Hooguit 2 jaar per indicatie, binnen het gezamenlijke maximum van € 1.500. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Budget € 1.500: ziekenbezoek, gasthuis, gezinszorg, hospice, EHBO-cursus, overgangsconsulent, anticonceptie | €1,500 | 100% | Unlimited | calendar year, per person | Shared with Preventive courses, Menopause consultant, Respite care for informal carers, Hospice and palliative care, Guest house and travel costs for visitorsSamen € 1.500 per jaar: bezoek opgenomen kind of partner, gasthuis, gezinszorg, eigen bijdrage hospice, EHBO/reanimatie, overgangsconsulent, anticonceptie vanaf 21. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Mindfulness and stress training Read automatically, not yet checkedName used by the insurer: Training Mindfulness | €150 | 100% | Unlimited | calendar year, per person | 8- of 9-weekse groepstraining, binnen het gezamenlijke maximum van € 1.500. |
| Preventive courses Read automatically, not yet checkedName used by the insurer: Slaapcursus | €150 | 100% | Unlimited | calendar year, per person | Binnen het gezamenlijke maximum van € 1.500 per jaar. |
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Counselling | €500 | 100% | Unlimited | calendar year, per person | Kortdurende psychosociale begeleiding, binnen het gezamenlijke maximum van € 1.500. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| 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 | Beoordeling van het bestaande dossier door een specialist uit het netwerk van Royal Doctors; vooraf aanvragen bij FBTO Zorgbemiddeling. |
| Tweede Arts OnlineExtra lineunder Second opinion (including online) Read automatically, not yet checked | €1,500 | 100% | Unlimited | calendar year, per person | Online vraag aan een specialist bij twijfel over diagnose of behandeling, binnen het gezamenlijke maximum. |
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Overnachtings- en vervoerskosten bij expertisebehandeling in het buitenland | €5,000 | 100% | Unlimited | per event (accident, birth), per person | Voor verzekerde, begeleider en gezinsleden samen, bij een vooraf goedgekeurde niet-spoedeisende expertisebehandeling in het buitenland. |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| PersonenalarmeringExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €1,500 | 100% | Unlimited | calendar year, per person | Abonnementskosten van personenalarmering, binnen het gezamenlijke maximum. |
| Sport- of koelbraceExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €50 | 100% | 1 | calendar year, per person | Eén brace per jaar, binnen het gezamenlijke maximum. |
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 | €2.50 | €30.00 |
Changes since 2025
This policy is new in 2026.
Sources
- Policy conditions FBTO 2026 (Retrieved on 28 October 2026)
- Policy conditions FBTO 2026 (Retrieved on 28 October 2026, page 144)
- Premium overview FBTO 2026 (Retrieved on 29 October 2026)