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Vrije Keuze Topfit by ONVZ (2026)

Vrije Keuze Topfit is a supplementary insurance from ONVZ for 2026.

Package type
Supplementary insurance
Acceptance
You fill in a health questionnaire
Waiting period
No waiting period

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.

Source: Merger decision VGZ and ONVZ (ACM, Dutch)

Summary

Most comprehensive ONVZ Vrije Keuze supplementary package, with the highest reimbursements of the four tiers.

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.

Allied health care
Care Maximum Percentage Number Per Conditions
Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling €400 100% Unlimited calendar year, per person Alleen acnebehandeling, tot 21 jaar.
Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflage-instructie €120 100% 2 calendar year, per person Voor twee instructielessen camouflage.
Dietetics Read automatically, not yet checkedName used by the insurer: Diëtetiek (dieetadvies) Unlimited 100% Unlimited calendar year, per person Volledige vergoeding.
Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Elektrische epilatie en laserbehandeling €1,500 100% Unlimited duration of the insurance, per person Maximum geldt voor de hele looptijd; er geldt een wachttijd van 1 jaar.
Occupational therapy Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Volledige vergoeding.
Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie tot en vanaf 18 jaar Unlimited 100% 50 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.
Stuttering therapy Read automatically, not yet checked €750 100% Unlimited duration of the insurance, per person Maximum geldt voor de hele looptijd.
Podiatry Read automatically, not yet checkedName used by the insurer: Voetzorg €500 100% Unlimited calendar year, per person Voor andere voetzorg en zolen.
Dental care
Care Maximum Percentage Number Per Conditions
Orthodontics for children (under 18) Read automatically, not yet checked €3,000 80% Unlimited duration of the insurance, per person Maximum voor de hele looptijd; wachttijd van 1 jaar.
Orthodontics for adults (18 and older) Read automatically, not yet checked €500 100% Unlimited calendar year, per person
Dentist: treatmentsNo general coverage, only the extra lines below.
Tandheelkundige zorg tot 18 jaarExtra lineunder Dentist: treatments Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Volledige vergoeding, alleen voor verzekerden tot 18 jaar.
Vision and hearing
Care Maximum Percentage Number Per Conditions
Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Bril, (contact)lenzen en ooglaseren €300 100% Unlimited 2 calendar years, per person Shared with Laser eye surgeryBrillen, lenzen en ooglaseren samen, per twee aansluitende kalenderjaren.
Orthoptics Read automatically, not yet checked €1,000 100% Unlimited calendar year, per person
Abroad
Care Maximum Percentage Number Per Conditions
Travel vaccinations Read automatically, not yet checkedName used by the insurer: Buitenlandvaccinaties en preventieve geneesmiddelen Unlimited 100% Unlimited calendar year, per person Volledige vergoeding voor alle ziekterisico's.
Alternative care
Care Maximum Percentage Number Per Conditions
Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve geneeswijzen en beweegzorg €1,000 100% Unlimited calendar year, per person Up to €65.00 per treatmentShared with Homeopathic and anthroposophic remediesMaximum per dag voor behandelingen; geregistreerde geneesmiddelen vallen binnen hetzelfde jaarmaximum.
Family
Care Maximum Percentage Number Per Conditions
Contraception Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Volledig vanaf 21 jaar.
Lactation consultant Read automatically, not yet checkedName used by the insurer: Borstvoeding: lactatiekundige Unlimited 100% Unlimited calendar year, per person Volledige vergoeding lactatiekundige.
Maternity pack Read automatically, not yet checked Unlimited 100% 1 per event (accident, birth), per person Eén kraampakket per bevalling via de Kraamzorg Service.
Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Kraamzorg Unlimited 100% Unlimited calendar year, per person Volledige vergoeding van eigen bijdrage en extra kraamzorg.
Therapeutic camp Read automatically, not yet checkedName used by the insurer: Therapeutisch kamp voor jongeren Unlimited 100% Unlimited calendar year, per person Volledig, bij astma, diabetes, overgewicht, constitutioneel eczeem of kanker.
Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Zorg bij adoptie Unlimited 100% Unlimited calendar year, per person Volledige vergoeding van kraamzorg en medische screening bij adoptie.
Prevention and lifestyle
Care Maximum Percentage Number Per Conditions
Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma's €500 100% Unlimited calendar year, per person Voor beweegprogramma's bij chronische ziekte, kanker en gli samen; ook bij aanpak overgewicht kinderen.
Zwemmen voor 50+Extra lineunder Exercise programme and medical fitness Read automatically, not yet checked €50 100% Unlimited calendar year, per person
Additional psychological support Read automatically, not yet checkedName used by the insurer: Geneeskundige ggz €1,000 100% Unlimited calendar year, per person Consulten bij aanpassingsstoornis en bij werk- of relatieproblemen.
Flu vaccination Read automatically, not yet checkedName used by the insurer: Griepprik Unlimited 100% 1 calendar year, per person Eén griepprik per jaar.
Preventive courses Read automatically, not yet checkedName used by the insurer: Preventiecursussen €250 100% Unlimited calendar year, per person Shared with Smoking cessationCursussen eerste hulp 75%, overige cursussen volledig; stoppen met roken valt onder hetzelfde budget.
Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Preventief onderzoek €350 50% Unlimited calendar year, per person Plus één check per jaar; 50% van ander preventief of sportmedisch onderzoek en volledig farmacogenetisch onderzoek.
Medical aids and other
Care Maximum Percentage Number Per Conditions
Medical aids (supplementary) Read automatically, not yet checkedName used by the insurer: Hulpmiddelen €500 100% Unlimited calendar year, per person Voor eigen bijdragen bij hulpmiddelen.
Bevalling-TENSExtra lineunder Medical aids (supplementary) Read automatically, not yet checked €75 100% Unlimited per event (accident, birth), per person TENS-apparaat bij de bevalling; maximum geldt per bevalling.
LoophulpmiddelenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked €100 100% Unlimited calendar year, per person Voor vijf soorten loophulpmiddelen.
SteunpessariumExtra lineunder Medical aids (supplementary) Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Volledige vergoeding van een steunpessarium.
Recovery stay and care hotel Read automatically, not yet checkedName used by the insurer: Zorghotel €2,000 100% Unlimited calendar year, per person Up to €200.00 per treatmentAlleen in een door ONVZ erkend zorghotel.
Eerstelijns verblijfExtra lineunder Recovery stay and care hotel Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Up to €50.00 per treatmentPer dag voor extra faciliteiten tijdens de opname.
Geriatrische revalidatieExtra lineunder Recovery stay and care hotel Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Up to €50.00 per treatmentPer dag voor extra faciliteiten tijdens de opname.
KuuroordExtra lineunder Recovery stay and care hotel Read automatically, not yet checked €500 100% Unlimited calendar year, per person Alleen bij reumatoïde artritis of psoriasis.
Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Geneesmiddelen €1,500 100% Unlimited calendar year, per person Alleen voor bepaalde geregistreerde geneesmiddelen.
Menopause consultant Read automatically, not yet checkedName used by the insurer: Hormoonconsulent €350 100% Unlimited calendar year, per person Consulten en online programma samen.
Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Hospice Unlimited 100% Unlimited calendar year, per person Up to €50.00 per treatmentBedrag per dag voor de eigen betaling in een hospice.
Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Vervangende mantelzorg €3,000 100% Unlimited calendar year, per person Te regelen via de ZorgConsulent.
Huishoudelijke hulpExtra lineunder Respite care for informal carers Read automatically, not yet checked Unlimited 100% 18 per event (accident, birth), per person Maximaal 18 uur per ziekenhuisopname, na opname en via de ZorgConsulent.
Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Hulp bij mantelzorg €500 100% Unlimited calendar year, per person Voor een mantelzorgmakelaar; daarnaast mantelzorgondersteuning door de ZorgConsulent.
Plastic surgery Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Bij lichamelijke functiestoornis; correctie flaporen tot 18 jaar.
Bedwetting alarm Read automatically, not yet checked Unlimited 100% 1 duration of the insurance, per person Volledig, één keer per looptijd, voor huur of koop.
Sterilisation Read automatically, not yet checkedName used by the insurer: Sterilisatie en refertilisatie (hersteloperatie) Unlimited 100% Unlimited calendar year, per person Volledige vergoeding van sterilisatie en hersteloperatie; voor de hersteloperatie geldt 1 jaar wachttijd.
Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Verblijf in een logeerhuis Unlimited 100% Unlimited calendar year, per person Volledig voor ouders bij kind en gezinslid bij volwassene, ook na transplantatie of bij kankerbehandeling.
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.
Patient transport and its co-payment Read automatically, not yet checkedName used by the insurer: Ziekenvervoer Unlimited 100% Unlimited calendar year, per person Vergoedt de eigen bijdrage voor ziekenvervoer.

Premium by age

The premium for supplementary insurance may depend on your age on 1 January.

Premium by age
Age Per month Per year
0 to 17 years€24.46€293.52
18 years and older€80.00€960.00

Changes since 2025

This policy is new in 2026.

Sources

  1. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026)
  2. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 1)
  3. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 2)
  4. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 3)
  5. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 4)
  6. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 5)
  7. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 6)
  8. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 7)
  9. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 8)
  10. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 9)
  11. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 10)
  12. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 11)
  13. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 13)
  14. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 14)
  15. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 15)
  16. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 16)
  17. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 17)
  18. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 19)
  19. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 20)
  20. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 22)
  21. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 23)
  22. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 24)
  23. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 25)
  24. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 26)
  25. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 28)
  26. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 29)
  27. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 30)
  28. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 31)
  29. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 32)
  30. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 33)
  31. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 34)
  32. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 36)
  33. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 37)
  34. Coverage overview ONVZ 2026 (Retrieved on 28 October 2026, page 38)
  35. Premium overview ONVZ 2026 (Retrieved on 28 October 2026)