Bewuste Keuze Extra by ONVZ (2026)
Bewuste Keuze Extra is a supplementary insurance from ONVZ 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.
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.
Summary
More extensive supplementary insurance for ONVZ Bewuste Keuze than Start, with higher or additional reimbursements.
Also available without basic insurance from ONVZ.
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: Fysiotherapie en oefentherapie tot en vanaf 18 jaar | Unlimited | 100% | 6 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Zelfde aantal voor kinderen en volwassenen; ook online behandeltrajecten tellen mee. |
| Fysiotherapie en oefentherapie na een ongeval (vanaf 18 jaar)Extra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | 14 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Vanaf 18 jaar na een ongeval; alleen gecontracteerde zorgverleners; maximaal één ongeval per kalenderjaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Tandheelkundige zorg na een ongeval | €10,000 | 100% | Unlimited | calendar year, per person | Maximaal één ongeval per kalenderjaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Buitenland: spoedeisende zorg | Unlimited | 100% | Unlimited | calendar year, per person | Aanvulling op basis tot buitenlands tarief, plus Extra-dekkingen, geregistreerde geneesmiddelen en niet-geneesmiddelen tot € 250 per jaar. |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Buitenlandvaccinaties en preventieve geneesmiddelen | €100 | 100% | Unlimited | calendar year, per person | Voor 11 ziekterisico's, inclusief preventieve geneesmiddelen. |
| Repatriation Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Bij ernstige ziekte of letsel in het buitenland. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar, volledige vergoeding. |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Kraamzorg | €125 | 50% | Unlimited | per event (accident, birth), per person | Voor eigen bijdrage en extra kraamzorg; maximum geldt per bevalling. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Mindfulness and stress training Read automatically, not yet checkedName used by the insurer: App voor meditatie en mindfulness | Unlimited | 100% | Unlimited | calendar year, per person | Abonnement op de Headspace-app voor maximaal 12 maanden. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Transport after death Read automatically, not yet checkedName used by the insurer: Vergoeding bij overlijden in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Overbrenging van het stoffelijk overschot of maximaal € 7.500 voor een uitvaart. |
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 | €10.65 | €127.80 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 4)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 6)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 10)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 13)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 14)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 15)
- Premium overview ONVZ 2026 (Retrieved on 28 October 2026)