AV-Basis by Zorg en Zekerheid (2026)
AV-Basis is a supplementary insurance from Zorg en Zekerheid 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
Zorg en Zekerheid supplementary insurance AV-Basis; the overview gives the 2026 reimbursement per type of care.
Only available together with basic insurance from Zorg en Zekerheid.
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 en oefentherapie | Unlimited | 100% | 12 | calendar year, per person | Alle soorten fysiotherapie; oefentherapie heeft een eigen, gelijk maximum. |
| Fysiotherapie op vakantieExtra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | In Europa de kostprijs; daarbuiten hooguit tweemaal het gangbare of Wmg-tarief in Nederland. |
| Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflageles | €115 | 75% | Unlimited | calendar year, per person | |
| Dermatografie (medische tatoeage)Extra lineunder Camouflage therapy Read automatically, not yet checked | €200 | 50% | Unlimited | calendar year, per person | |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Elektrisch ontharen of laserontharing | €550 | 50% | Unlimited | calendar year, per person | |
| Exercise therapy (Cesar/Mensendieck) Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie | Unlimited | 100% | 12 | calendar year, per person | Alle soorten oefentherapie; fysiotherapie heeft een eigen, gelijk maximum. |
| Podiatry Read automatically, not yet checkedName used by the insurer: Podologie/podo(posturale) therapie | €50 | 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: Ongevalsdekking tandheelkunde | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Brillenglazen, brilmonturen en contactlenzen | €25 | 100% | Unlimited | 3 calendar years, per person | Enkelvoudige glazen tot € 25, multifocaal tot € 50; vanaf 2,25 dioptrie, eens per drie kalenderjaren. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Aanvullende vergoeding hulpmiddelen (pruiken, hoortoestellen, prothese-BH, etc) | Unlimited | 100% | Unlimited | calendar year, per person | Up to €70.00 per treatmentShared with Medical aids (supplementary), Wig and hairpiece, Post-mastectomy bra and swimwearAanvulling op hulpmiddelen zoals pruiken, hoortoestellen en prothese-bh's; maximum geldt per hulpmiddel. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Geneeskundige kosten (buitenland) | Unlimited | 100% | Unlimited | calendar year, per person | In Europa de kostprijs; daarbuiten hooguit tweemaal het gangbare of Wmg-tarief in Nederland. |
| Repatriation Read automatically, not yet checkedName used by the insurer: Medisch noodzakelijke repatriëring naar Nederland en toezending geneesmiddelen | Unlimited | 100% | Unlimited | calendar year, per person | Alleen als terugkeer medisch noodzakelijk is; ook het nasturen van geneesmiddelen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve consulten, behandelingen en geneesmiddelen | €250 | 100% | Unlimited | calendar year, per person | Up to €25.00 per treatmentShared with Homeopathic and anthroposophic remediesBehandelingen en consulten volledig tot het dagmaximum; samen met geneesmiddelen één jaarmaximum. |
| Homeopathic and anthroposophic remedies Read automatically, not yet checkedName used by the insurer: Alternatieve consulten, behandelingen en geneesmiddelen | €250 | 50% | Unlimited | calendar year, per person | Shared with Alternative medicineAlternatieve geneesmiddelen gedeeltelijk vergoed, binnen hetzelfde jaarmaximum. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Maternity pack Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Zwangerschapscursus | €100 | 100% | Unlimited | calendar year, per person | |
| Lactation consultant | No general coverage, only the extra lines below. | ||||
| BorstvoedingscursusExtra lineunder Lactation consultant Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig bij een gecontracteerde aanbieder; bij een niet-gecontracteerde aanbieder hooguit € 20. |
| Therapeutic camp Read automatically, not yet checkedName used by the insurer: Therapeutisch kamp voor jongeren | €350 | 50% | Unlimited | calendar year, per person | |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Patient association membership Read automatically, not yet checkedName used by the insurer: Contributie patiëntenvereniging | €20 | 100% | Unlimited | calendar year, per person | |
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma | €500 | 50% | Unlimited | 2 calendar years, per person | Ook de programma's Fitkids en JOGG-leefstijlinterventie krijgen dezelfde vergoeding. |
| Health check and preventive screening Read automatically, not yet checkedName used by the insurer: GeZZondCheck | Unlimited | 100% | 1 | 2 calendar years, per person | Eén check per twee kalenderjaren. |
| Preventive courses Read automatically, not yet checked | €115 | 50% | Unlimited | calendar year, per person | |
| Additional psychological support | No general coverage, only the extra lines below. | ||||
| LichttherapieExtra lineunder Additional psychological support Read automatically, not yet checked | Unlimited | 100% | 10 | calendar year, per person | Up to €7.00 per treatmentHooguit tien dagen tegen een dagbedrag, of eenmalig de aanschaf tot € 70. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| Zuurstof op vakantie of zakenreisExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €600 | 100% | Unlimited | calendar year, per person | |
| Hulpmiddelen ter ondersteuning van zelfredzaamheidExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €40 | 75% | Unlimited | calendar year, per person | |
| Alarmering op sociale indicatieExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €42 | 100% | Unlimited | calendar year, per person | Huur van alarmapparatuur, hooguit € 3,50 per maand (omgerekend per kalenderjaar). |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Maagzuurremmers | €35 | 100% | Unlimited | calendar year, per person | |
| Recovery stay and care hotel Read automatically, not yet checkedName used by the insurer: Herstellingsoord, zorghotel en hospice | €1,050 | 100% | Unlimited | calendar year, per person | Up to €35.00 per treatmentShared with Hospice and palliative careBedrag per dag met een jaarmaximum, voor herstellingsoord, zorghotel en hospice samen. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Logeerhuis | Unlimited | 100% | Unlimited | calendar year, per person | Up to €15.00 per treatmentVergoeding per dag voor verblijf in een logeerhuis. |
| Bezoekkosten opgenomen gezinslidExtra lineunder Guest house and travel costs for visitors Read automatically, not yet checked | €250 | 100% | Unlimited | calendar year, per person | |
| Bedwetting alarm Read automatically, not yet checked | €85 | 100% | Unlimited | calendar year, per person | |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen | €35 | 50% | Unlimited | calendar year, per person | |
| Plastic surgery | No general coverage, only the extra lines below. | ||||
| Flebologie/proctologieExtra lineunder Plastic surgery Read automatically, not yet checked | €75 | 50% | Unlimited | calendar year, per person | |
Premium by age
The premium for supplementary insurance may depend on your age on 1 January.
| Age | Per month | Per year |
|---|---|---|
| 18 years and older | €16.20 | €194.40 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026)
- Coverage overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026, page 1)
- Coverage overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026, page 4)
- Premium overview Zorg en Zekerheid 2026 (Retrieved on 28 October 2026)