AV-Sure by Zorg en Zekerheid (2026)
AV-Sure is a supplementary and dental insurance from Zorg en Zekerheid for 2026.
- Package type
- Supplementary and dental 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-Sure; 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. |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling | €150 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflageles | €115 | 75% | 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. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Crowns, bridges and implants | No general coverage, only the extra lines below. | ||||
| Extra tandheelkundige hulp (gegoten vullingen, kronen en bruggen), tot 18 jaarExtra lineunder Crowns, bridges and implants Read automatically, not yet checked | €150 | 75% | Unlimited | calendar year, per person | Alleen voor verzekerden jonger dan 18 jaar. |
| Dentist: check-ups and prevention Read automatically, not yet checkedName used by the insurer: Controle (tandheelkundige hulp vanaf 18 jaar) | €150 | 100% | Unlimited | calendar year, per person | Shared with Dentist: treatments, Dentures and denture co-paymentVanaf 18 jaar. |
| Dentist: treatments Read automatically, not yet checkedName used by the insurer: Overige tandheelkundige behandelingen (vanaf 18 jaar) | €150 | 75% | Unlimited | calendar year, per person | Shared with Dentist: check-ups and prevention, Dentures and denture co-paymentVanaf 18 jaar. |
| 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. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Vaccinatie wegens voorgenomen verblijf in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Volledig bij een gecontracteerde zorgaanbieder; bij een niet-gecontracteerde aanbieder hooguit € 80. |
| 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 |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptiva | Unlimited | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar; de wettelijke GVS-eigen bijdrage valt erbuiten. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| 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 | |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch advies | €120 | 100% | Unlimited | calendar year, per person | |
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Overige psychologische zorg | €200 | 75% | Unlimited | calendar year, per person | |
| 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 | |
| GehoorbeschermersExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €40 | 100% | Unlimited | calendar year, per person | |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Maagzuurremmers | €35 | 100% | 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 | €23.70 | €284.40 |
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)