Bewuste Keuze Start by ONVZ (2026)
Bewuste Keuze Start 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
Entry-level supplementary insurance for ONVZ Bewuste Keuze, offering limited extra cover on top of the basic policy.
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% | 3 | 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 |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checked | €50 | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar. |
| 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. |
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 | €3.76 | €45.12 |
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 6)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 14)
- Premium overview ONVZ 2026 (Retrieved on 28 October 2026)