Vrije Keuze Startfit by ONVZ (2026)
Vrije Keuze Startfit 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 tier of the four ONVZ Vrije Keuze supplementary packages, with the lowest 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.
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling | €150 | 100% | Unlimited | calendar year, per person | Alleen acnebehandeling, tot 21 jaar. |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie tot en vanaf 18 jaar | Unlimited | 100% | 10 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Zelfde maximum tot en vanaf 18 jaar; waarvan max. 9 manuele therapie; volledig bij gecontracteerde zorg, anders beperkt. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Buitenlandvaccinaties en preventieve geneesmiddelen | €75 | 100% | Unlimited | calendar year, per person | Voor 11 ziekterisico's, inclusief preventieve geneesmiddelen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve geneeswijzen en beweegzorg | €100 | 100% | Unlimited | calendar year, per person | Up to €30.00 per treatmentGeen vergoeding voor geneesmiddelen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vanaf 21 tot 30 jaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Preventief onderzoek | Unlimited | 100% | 1 | calendar year, per person | Eén persoonlijke gezondheidscheck of sportcheck van ONVZ per jaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Legal assistance for injury or medical errors Read automatically, not yet checkedName used by the insurer: Verhaalsbijstand bij letselschade | €12,500 | 100% | Unlimited | per event (accident, birth), per person | Voor advocaat of schaderegelingsbureau via ONVZ; maximum geldt per ongeval. |
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 | €9.84 | €118.08 |
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 1)
- 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 6)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 11)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 26)
- Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 33)
- Premium overview ONVZ 2026 (Retrieved on 28 October 2026)