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Aanvullend 3 sterren by Zilveren Kruis (2026)

Aanvullend 3 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

Extensive Zilveren Kruis supplementary package with 20 physiotherapy sessions, alternative care up to € 450, orthodontics up to age 18 and laser eye surgery up to € 500.

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.

Allied health care
Care Maximum Percentage Number Per Conditions
Occupational therapy Read automatically, not yet checked Unlimited 100% 3 calendar year, per person 3 uur per jaar extra bovenop de basisverzekering.
Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie vanaf 18 jaar Unlimited 100% 20 calendar year, per person Ook 20 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.
Online bekkentherapieExtra lineunder Physiotherapy Read automatically, not yet checked €265 100% Unlimited duration of the insurance, per person Maximum voor de hele duur van de aanvullende verzekering.
Hardloopcoaching bij blessuresExtra lineunder Physiotherapy Read automatically, not yet checked Unlimited 100% 1 calendar year, per person Eén online coachingstraject; periode niet vermeld.
Podiatry Read automatically, not yet checkedName used by the insurer: Podo(posturaal)therapie, podologie en steunzolen €150 100% Unlimited calendar year, per person Shared with Orthopaedic insolesEén jaarbudget voor podotherapie, podologie en steunzolen.
Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling en epileren €300 100% Unlimited calendar year, per person Shared with Hair removal for excessive hair growthGezamenlijk maximum voor acnebehandeling en epileren; periode niet vermeld.
Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflagelessen €200 100% Unlimited duration of the insurance, per person Maximum voor de hele duur van de verzekering.
Medical pedicure Read automatically, not yet checkedName used by the insurer: Pedicurezorg bij diabetes, medische voet of reuma €100 100% Unlimited calendar year, per person Up to €25.00 per treatmentGeldt bij diabetes, reuma of een medische voet.
Dental care
Care Maximum Percentage Number Per Conditions
Orthodontics for children (under 18) Read automatically, not yet checked €2,000 100% Unlimited duration of the insurance, per person Pas na 1 jaar wachttijd; periode van het maximum niet vermeld.
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.
Vision and hearing
Care Maximum Percentage Number Per Conditions
Glasses and contact lenses Read automatically, not yet checked €150 100% Unlimited 3 calendar years, per person
Laser eye surgery Read automatically, not yet checkedName used by the insurer: Ooglaseren €500 100% Unlimited calendar year, per person Periode van het maximum niet vermeld.
Lensimplantatie bij een afwijkende lensExtra lineunder Laser eye surgery Read automatically, not yet checked €500 100% Unlimited calendar year, per person Bijdrage voor een afwijkende lens; periode niet vermeld.
Abroad
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 € 100.
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.
Alternative care
Care Maximum Percentage Number Per Conditions
Alternative medicine Read automatically, not yet checked €450 100% Unlimited calendar year, per person Up to €40.00 per treatmentMaximaal € 40 per dag.
Family
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.
Therapeutic camp Read automatically, not yet checkedName used by the insurer: Therapeutisch vakantiekamp voor kinderen €150 100% Unlimited calendar year, per person
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 Unlimited 100% Unlimited calendar year, per person De wettelijke eigen bijdrage wordt volledig vergoed.
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.
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 €350 100% Unlimited duration of the insurance, per person Maximum per aandoening voor de hele verzekeringsduur.
Bewegen in extra verwarmd water bij reumaExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked €150 100% Unlimited calendar year, per person
Meer Bewegen voor OuderenExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked €115 100% Unlimited calendar year, per person
Preventive courses Read automatically, not yet checkedName used by the insurer: Gezond- en Fitbundel €250 100% 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.
Medical aids and other
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.
Medical aids (supplementary) Read automatically, not yet checkedName used by the insurer: Persoonlijke alarmeringsapparatuur Unlimited 100% Unlimited calendar year, per person Abonnementskosten volledig vergoed.
HandspalkExtra lineunder Medical aids (supplementary) Read automatically, not yet checked €90 100% Unlimited calendar year, per person € 40, € 60 of € 90 per jaar, afhankelijk van het soort spalk.
Trans-therapie incontinentie (huurkosten)Extra lineunder Medical aids (supplementary) Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Huurkosten volledig vergoed.
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.
Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Pruik €100 100% Unlimited calendar year, per person Extra bovenop de vergoeding uit de basisverzekering.
HoofdbedekkingExtra lineunder Wig and hairpiece Read automatically, not yet checked €100 100% Unlimited calendar year, per person
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.
MelatonineExtra lineunder Medicine co-payments and non-covered medicines Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person Alleen via de Nationale Apotheek.
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% 3 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% 120 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 €450 100% Unlimited calendar year, per person Eén keer per jaar.
Menopause consultant Read automatically, not yet checkedName used by the insurer: Zorg voor vrouwen €200 100% Unlimited calendar year, per person
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.
Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie tot 18 jaar Unlimited 100% Unlimited calendar year, per person Alleen voor verzekerden tot 18 jaar.
Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Hospice (eigen bijdrage) Unlimited 100% Unlimited calendar year, per person Up to €40.00 per treatmentBijdrage in de eigen bijdrage van een hospice, maximum per dag.
Sterilisation Read automatically, not yet checked Unlimited 100% Unlimited calendar year, per person
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.

Premium by age
Age Per month Per year
0 to 17 years€0.00€0.00
18 to 29 years€42.50€510.00
30 years and older€42.75€513.00

Changes since 2025

This policy is new in 2026.

Sources

  1. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)
  2. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page alternatief)
  3. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page buitenland)
  4. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page fysio-en-oefentherapie)
  5. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezond-en-fitbundel)
  6. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezonder-leven)
  7. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page huid)
  8. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen)
  9. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-2)
  10. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-4)
  11. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-3)
  12. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page hulpmiddelen-vervolg-5)
  13. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page medicijnen-geneesmiddelen)
  14. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ogen)
  15. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page overig)
  16. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page reventie-en-advies)
  17. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page tanden)
  18. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page vervoer)
  19. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page voeten)
  20. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ziekenhuis-en-verpleging)
  21. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ziekenhuis-en-verpleging-vervolg-2)
  22. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page zwanger-baby-en-kind)
  23. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page zwanger-baby-en-kind-vervolg-2)
  24. Premium overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)