Top Collectief by PZP Politie Zorgpolis (2026)
Top Collectief is a supplementary insurance from PZP Politie Zorgpolis 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.
Summary
Extensive group package with 32 physiotherapy sessions, alternative care up to EUR 550, glasses or lenses up to EUR 150 per 2 years and worldwide emergency care. Also dental care after an accident, mindfulness, broad prevention, informal…
Only available together with basic insurance from PZP Politie Zorgpolis.
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 |
|---|---|---|---|---|---|
| Dietetics Read automatically, not yet checked | €120 | 100% | Unlimited | calendar year, per person | Bovenop de vergoeding uit de basisverzekering. |
| Occupational therapy Read automatically, not yet checked | Unlimited | 100% | 2 | calendar year, per person | Tot en met 17 jaar; 2 uur per jaar bovenop de basisverzekering. |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie | Unlimited | 100% | 32 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Zonder contract 50% van gemiddeld tarief; intake arbeidsfysiotherapie 1 keer per aandoening; 5 ongebruikte behandelingen meenemen. |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Ontharing | €350 | 100% | Unlimited | one-off, per person | Vanaf 12 jaar. |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling | €200 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | |
| Podiatry Read automatically, not yet checkedName used by the insurer: Algemene voetzorg (podologie en podotherapie) | €115 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Mondzorg bij ongeval | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum geldt per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Bril, contactlenzen, ooglaseren en wettelijke eigen bijdrage | €150 | 100% | Unlimited | 2 calendar years, per person | Shared with Laser eye surgeryEén maximum voor bril, lenzen, ooglaseren en wettelijke eigen bijdrage samen. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Wettelijke eigen bijdrage hoortoestellen, ruismaskeerders en oorstukjes | Unlimited | 100% | Unlimited | calendar year, per person | Up to €200.00 per treatmentMaximaal € 200 per hoortoestel. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Spoedzorg in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Buiten Nederland of woonland volledig gedeclareerd tarief, inclusief de vergoeding uit de basisverzekering. |
| Emergency dental care abroad Read automatically, not yet checkedName used by the insurer: Mondzorg bij spoed in het buitenland | €275 | 100% | Unlimited | calendar year, per person | |
| Repatriation Read automatically, not yet checkedName used by the insurer: Repatriëring bij ziekte | Unlimited | 100% | Unlimited | calendar year, per person | |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Preventie voor reizen naar het buitenland | Unlimited | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve en psychosociale zorg | €550 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesGezamenlijk jaarmaximum; behandelingen tot € 40 per dag, inclusief alternatieve medicijnen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptie medicijnen en spiraaltje | Unlimited | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar; bij plaatsing van een spiraaltje door een medisch specialist geldt eigen risico. |
| Therapeutic camp Read automatically, not yet checked | €200 | 100% | Unlimited | per event (accident, birth), per person | Tot en met 17 jaar; periode van het maximum niet vermeld. |
| Childcare when a parent is ill Read automatically, not yet checkedName used by the insurer: Kinderopvang bij opname ouder | €200 | 100% | Unlimited | calendar year, per policy | Per gezin, vanaf de derde opnamedag. |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Bevallingscursus | €200 | 100% | Unlimited | calendar year, per person | |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Eigen bijdrage poliklinische bevalling | Unlimited | 100% | Unlimited | calendar year, per person | |
| Lactation consultant Read automatically, not yet checkedName used by the insurer: Advies bij borstvoeding (lactatiekundige zorg) | €200 | 100% | Unlimited | calendar year, per person | |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Wettelijke eigen bijdrage kraamzorg | Unlimited | 100% | Unlimited | calendar year, per person | |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Extra kraamzorg, couveuse nazorg en kraamzorg na ziekenhuisopname | Unlimited | 100% | 4 | per event (accident, birth), per person | Max 4 dagen bij medische noodzaak; couveusenazorg 12 uur; na ziekenhuisopname 6 uur; bij adoptie 3 dagen van 3 uur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Additional psychological support | No general coverage, only the extra lines below. | ||||
| Inloophuis (GGZ)Extra lineunder Additional psychological support Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | |
| Traumaverwerking bij arbeidsgerelateerde gebeurtenisExtra lineunder Additional psychological support Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Ook 1 online psychologisch programma per jaar per medewerker. |
| Mindfulness and stress training Read automatically, not yet checkedName used by the insurer: Mindfulness | €295 | 100% | Unlimited | calendar year, per person | |
| Health check and preventive screening Read automatically, not yet checkedName used by the insurer: Preventief onderzoek naar risicofactoren voor hart- en vaataandoeningen | €200 | 100% | Unlimited | calendar year, per person | |
| Flu vaccination Read automatically, not yet checkedName used by the insurer: Preventie-tegoed | €250 | 100% | Unlimited | calendar year, per person | Up to €75.00 per treatmentPreventie-tegoed van max. 250 euro per jaar voor gezondheidscheck of basis preventief onderzoek (1 keer, max. 75 euro), e-healthtraining, online healthcheck en griepprik samen; los van het hart- en vaatonderzoek. |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch advies | €150 | 100% | Unlimited | calendar year, per person | |
| Diet and lifestyle advice Read automatically, not yet checkedName used by the insurer: Voedingsadvies | €100 | 100% | Unlimited | calendar year, per person | |
| Preventive courses Read automatically, not yet checkedName used by the insurer: EHBO- of gezondheidscursus | €200 | 100% | Unlimited | calendar year, per person | Eén jaarmaximum voor alle cursussen samen. |
| ZelfmanagementcursusExtra lineunder Preventive courses Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | |
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma | €350 | 100% | Unlimited | 3 calendar years, per person | |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Courses and coaching for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgcursus | €150 | 100% | Unlimited | one-off, per person | Eenmaal per verzekerde; daarnaast 2 uur per jaar instructie voor mantelzorgers bij ergotherapie. |
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Haarwerk (pruik) of andere hoofdbedekking | €75 | 100% | Unlimited | calendar year, per person | Bovenop de vergoeding uit de basisverzekering. |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| DiabetestestmateriaalExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €40 | 100% | Unlimited | calendar year, per person | |
| Thuisbewakingsmonitor in bruikleenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | one-off, per person | Maximaal 12 maanden eenmaal per verzekerde, met eenmalige aansluitende verlenging van 12 maanden. |
| ADL-hulpmiddelenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €70 | 100% | Unlimited | calendar year, per person | |
| Thuisverzorgingsartikelen en ketonenstripsExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| SteunpessariumExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Alarmering bij epilepsieExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| RedressiehelmExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Bedwetting alarm Read automatically, not yet checkedName used by the insurer: Plaswekker (aankoop of huur) | Unlimited | 100% | Unlimited | one-off, per person | Keuze tussen aankoopkosten volledig of huurkosten maximaal 4 maanden, eenmaal per verzekerde. |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen en voetzorg hulpmiddelen | €75 | 100% | Unlimited | calendar year, per person | Eén jaarmaximum voor steunzolen en voetzorghulpmiddelen samen. |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Prothese-bh en prothese zwemkleding | €90 | 100% | Unlimited | one-off, per person | |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervanging | €2,250 | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | Unlimited | 100% | 7 | one-off, per person | Maximaal 7 uur, eenmaal per verzekerde. |
| Sterilisation Read automatically, not yet checkedName used by the insurer: Sterilisatie (zaadleiders en eileiders) | €1,250 | 100% | Unlimited | per event (accident, birth), per person | Eileiders max € 1.250, zaadleiders max € 400; vanaf 18 jaar eigen risico voor onderzoek buiten de DBC. |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie | Unlimited | 100% | Unlimited | one-off, per person | Tot en met 17 jaar, eenmaal per verzekerde. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Consult bij overgang, PMS of (borst)kanker | €200 | 100% | Unlimited | calendar year, per person | Eén jaarmaximum voor alle consulten samen. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Logeerkosten | €500 | 100% | Unlimited | calendar year, per person | Eén jaarmaximum voor alle logeerkosten samen. |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Eigen bijdrage verblijf in een hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €30.00 per treatmentMaximaal € 30 per dag. |
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 | €44.36 | €532.32 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 1)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 4)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 5)
- Coverage overview PZP Politie Zorgpolis 2026 (Retrieved on 28 October 2026, page 6)
- Premium overview PZP Politie Zorgpolis 2026 (Retrieved on 29 October 2026)