Aanvullend 2 sterren by Zilveren Kruis (2026)
Aanvullend 2 sterren is a supplementary insurance from Zilveren Kruis for 2026.
- Package type
- Supplementary insurance
- Acceptance
- The insurer may refuse you
- Waiting period
- No waiting period
- Child
- Children under 18 are covered free of charge if a parent has this package.
Summary
Zilveren Kruis supplementary package with 12 physiotherapy sessions, alternative care up to € 250, € 100 for glasses every 3 years and extras for pregnancy and informal care.
Only available together with basic insurance from Zilveren Kruis.
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 vanaf 18 jaar | Unlimited | 100% | 12 | calendar year, per person | Ook 12 behandelingen per jaar voor verzekerden tot 18 jaar, aanvullend op de basisverzekering. |
| Fysiotherapeutische nazorg (ook chronisch)Extra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig per indicatie, maximaal 2 jaar lang. |
| Hardloopcoaching bij blessuresExtra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | 1 | calendar year, per person | Eén online coachingstraject; periode niet vermeld. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Crowns, bridges and implants Read automatically, not yet checkedName used by the insurer: Tandzorg tot 18 jaar – kronen, bruggen, inlays, implantaten en autotransplantaten | Unlimited | 100% | Unlimited | calendar year, per person | Alleen voor verzekerden tot 18 jaar. |
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Tandheelkundige kosten na een ongeval | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum per ongeval, voor alle leeftijden. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checked | €100 | 100% | Unlimited | 3 calendar years, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Reizigersvaccinaties | Unlimited | 100% | Unlimited | calendar year, per person | Volledig bij een gecontracteerde zorgverlener; anders maximaal € 75. |
| Repatriation Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed; de basisverzekering vergoedt alleen tot 200 kilometer. |
| Emergency care abroad Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Vergoeding tot het tarief in het buitenland in plaats van het Nederlandse tarief. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checked | €250 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentMaximaal € 40 per dag. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptie vanaf 21 jaar | Unlimited | 100% | Unlimited | calendar year, per person | Voor verzekerden vanaf 21 jaar; jonger valt onder de basisverzekering. |
| Childcare when a parent is ill Read automatically, not yet checkedName used by the insurer: Kinderopvang bij ziekenhuisopname ouders | Unlimited | 100% | Unlimited | calendar year, per person | Maximaal 50 uur per week. |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Bevalling zonder medische indicatie en verloskundige zorg | Unlimited | 100% | Unlimited | calendar year, per person | Volledige vergoeding van de kosten van bevallen zonder medische noodzaak. |
| Maternity pack Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Kraamzorg thuis of in geboortecentrum | €125 | 100% | Unlimited | per event (accident, birth), per person | Vergoeding van de wettelijke eigen bijdrage, maximum per zwangerschap. |
| Lactation consultant Read automatically, not yet checked | €80 | 100% | Unlimited | calendar year, per person | |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Zwangerschapscursus | €50 | 100% | Unlimited | per event (accident, birth), per person | Maximum per zwangerschap. |
| Slimmer Zwanger zelfhulpprogrammaExtra lineunder Pregnancy and childbirth course Read automatically, not yet checked | Unlimited | 100% | 1 | duration of the insurance, per person | Eén abonnement zolang de verzekering loopt. |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Uitgestelde kraamzorg | Unlimited | 100% | 15 | per event (accident, birth), per person | Personal contribution €5.70 per treatmentHooguit 15 uur uitgestelde kraamzorg; eigen bijdrage per uur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Preventive courses Read automatically, not yet checkedName used by the insurer: Gezond- en Fitbundel | €200 | 100% | Unlimited | calendar year, per person | Shared with Sports medical check-up and advice, Diet and lifestyle advice, Additional psychological support, Health check and preventive screeningEén jaarbudget voor cursus afvallen, health check, huidkankercheck, slaapcursus, sportmedisch onderzoek en begeleiding, voedingsvoorlichting en online psychische zelfhulpmodules. |
| EHBO-cursusExtra lineunder Preventive courses Read automatically, not yet checked | €115 | 100% | Unlimited | calendar year, per person | |
| ReanimatiecursusExtra lineunder Preventive courses Read automatically, not yet checked | €115 | 100% | Unlimited | calendar year, per person | |
| Cursus leren omgaan met een aandoeningExtra lineunder Preventive courses Read automatically, not yet checked | €115 | 100% | Unlimited | calendar year, per person | |
| Mindfulness and stress training Read automatically, not yet checkedName used by the insurer: Mindfulness en Veerkrachtig ouderschap | €250 | 100% | Unlimited | calendar year, per person | Gezamenlijk jaarmaximum voor mindfulness en de training veerkrachtig ouderschap. |
| Exercise programme and medical fitness | No general coverage, only the extra lines below. | ||||
| Meer Bewegen voor OuderenExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked | €115 | 100% | Unlimited | calendar year, per person | |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Overnachtings- en vervoerskosten bij expertisebehandelingen in het buitenland | €5,000 | 100% | Unlimited | calendar year, per person | Reis- en overnachtingskosten bij een expertisebehandeling over de grens; periode van het maximum niet vermeld. |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Plakstrips mammaprothese | Unlimited | 100% | Unlimited | calendar year, per person | Plakstrips voor een borstprothese volledig vergoed. |
| Kunsttepel of mamillaprothese (maatwerktepelprothese)Extra lineunder Post-mastectomy bra and swimwear Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed. |
| Bedwetting alarm Read automatically, not yet checked | €100 | 100% | Unlimited | calendar year, per person | Periode van het maximum niet vermeld. |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Geregistreerde geneesmiddelen die niet in het basispakket zijn opgenomen | €750 | 100% | Unlimited | calendar year, per person | Geregistreerde medicijnen buiten het basispakket. |
| Courses and coaching for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorginstructies, mantelzorgcoaching en mantelzorgcursussen | €150 | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | Unlimited | 100% | 2 | calendar year, per person | Maximum in uren per jaar. |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervanging | Unlimited | 100% | 96 | calendar year, per person | Maximum in uren, één keer per jaar. |
| Tijdelijke huishoudelijke hulp bij mantelzorgondersteuningExtra lineunder Respite care for informal carers Read automatically, not yet checked | €300 | 100% | Unlimited | calendar year, per person | Eén keer per jaar. |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| Sport- of koelbraceExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €50 | 100% | 1 | calendar year, per person | Eén brace per jaar. |
| TENS bij bevallingExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | 1 | one-off, per person | Eenmalig één apparaat. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Zorg voor vrouwen | €115 | 100% | Unlimited | calendar year, per person | Periode van het maximum niet vermeld. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Overnachting en vervoer voor bezoek (bij opname) | €500 | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentOvernachting tot € 35 per nacht voor bezoek aan een opgenomen verzekerde. |
| Overnachting in een gasthuisExtra lineunder Guest house and travel costs for visitors Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentMaximum per nacht. |
| Transport after death Read automatically, not yet checkedName used by the insurer: Vervoer van een stoffelijk overschot naar Nederland | Unlimited | 100% | Unlimited | calendar year, per person | Overbrenging van een overledene naar Nederland volledig vergoed. |
| Second opinion (including online) Read automatically, not yet checkedName used by the insurer: Second opinion door Royal Doctors | Unlimited | 100% | Unlimited | calendar year, per person | Ook Tweede Arts Online wordt volledig vergoed. |
| Breast pump Read automatically, not yet checked | €75 | 100% | Unlimited | per event (accident, birth), per person | Maximum per zwangerschap. |
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 to 29 years | €22.50 | €270.00 |
| 30 years and older | €22.75 | €273.00 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page alternatief)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page buitenland)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page fysio-en-oefentherapie)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezond-en-fitbundel)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezonder-leven)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-2)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-4)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page medicijnen-geneesmiddelen)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page overig)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page reventie-en-advies)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page tanden)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page vervoer)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ziekenhuis-en-verpleging)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page zwanger-baby-en-kind)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page zwanger-baby-en-kind-vervolg-2)
- Premium overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)