AV-Totaal by Zorg en Zekerheid (2026)
AV-Totaal 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.
No longer available to new customers. Zorg en Zekerheid no longer offers this package to new customers. If you already have it, you can read below what it covers. I leave it out of my comparison tool and the coverage pages.
Summary
Zorg en Zekerheid supplementary insurance AV-Totaal; 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% | 40 | 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 | €250 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checkedName used by the insurer: Camouflageles | €150 | 100% | Unlimited | calendar year, per person | |
| Dermatografie (medische tatoeage)Extra lineunder Camouflage therapy Read automatically, not yet checked | €250 | 100% | Unlimited | calendar year, per person | |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Elektrisch ontharen of laserontharing | €800 | 100% | Unlimited | calendar year, per person | |
| Medical pedicure Read automatically, not yet checkedName used by the insurer: Voetverzorging voor verzekerden met diabetes of reumapatiënten | €210 | 100% | Unlimited | calendar year, per person | Alleen voor verzekerden met diabetes of reuma. |
| Exercise therapy (Cesar/Mensendieck) Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie | Unlimited | 100% | 40 | calendar year, per person | Alle soorten oefentherapie; fysiotherapie heeft een eigen, gelijk maximum. |
| Dietetics Read automatically, not yet checkedName used by the insurer: Diëtetiek aan verzekerden tot 18 jaar | Unlimited | 100% | 10 | calendar year, per person | Tien kwartier onder 18 jaar; vanaf 18 jaar acht kwartier bij bepaalde indicaties. |
| Occupational therapy Read automatically, not yet checked | Unlimited | 100% | 10 | calendar year, per person | Maximaal tien uur. |
| Podiatry Read automatically, not yet checkedName used by the insurer: Podologie/podo(posturale) therapie | €125 | 100% | Unlimited | calendar year, per person | |
| Stuttering therapy Read automatically, not yet checked | €400 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Crowns, bridges and implants Read automatically, not yet checkedName used by the insurer: Implantaten in een betande kaak | €750 | 100% | Unlimited | calendar year, per person | Tot € 750 bij een tandarts, tot € 500 bij een kaakchirurg. |
| Extra tandheelkundige hulp (gegoten vullingen, kronen en bruggen), tot 18 jaarExtra lineunder Crowns, bridges and implants Read automatically, not yet checked | €1,000 | 85% | 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) | €1,000 | 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) | €1,000 | 85% | Unlimited | calendar year, per person | Shared with Dentist: check-ups and prevention, Dentures and denture co-paymentVanaf 18 jaar. |
| Orthodontics for children (under 18) Read automatically, not yet checkedName used by the insurer: Orthodontie aan verzekerden tot 18 jaar | Unlimited | 100% | Unlimited | duration of the insurance, per person | Volledig, eenmalig voor de hele duur van de verzekering. |
| 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 | €150 | 100% | Unlimited | 3 calendar years, per person | Vanaf 2,25 dioptrie eens per drie jaar; kinderen tot 13 jaar jaarlijks een kinderbril tot € 150. |
| Laser eye surgery Read automatically, not yet checkedName used by the insurer: Ooglaseren | €300 | 100% | Unlimited | one-off, per person | |
| 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 €200.00 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 |
|---|---|---|---|---|---|
| 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 € 150. |
| 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. |
| Emergency dental care abroad Read automatically, not yet checkedName used by the insurer: Tandheelkundige kosten (buitenland) | €345 | 100% | Unlimited | calendar year, per person | Tandartskosten tijdens verblijf in het buitenland. |
| 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 | €600 | 100% | Unlimited | calendar year, per person | Shared with Homeopathic and anthroposophic remediesBehandelingen, consulten en geneesmiddelen volledig, samen tot het 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. |
| Maternity pack Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Bevalling zonder medische noodzaak in het ziekenhuis | €300 | 100% | Unlimited | calendar year, per person | Eigen bijdrage bij een poliklinische bevalling zonder medische reden. |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Kraamzorg | €262 | 100% | Unlimited | calendar year, per person | Vergoeding van de wettelijke eigen bijdrage voor kraamzorg. |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Vergoeding uitgestelde kraamzorg | Unlimited | 100% | 16 | per event (accident, birth), per person | Uitgestelde kraamzorg tot 16 uur. |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Zwangerschapscursus | €100 | 100% | Unlimited | calendar year, per person | |
| Lactation consultant Read automatically, not yet checkedName used by the insurer: Lactatiekundige | €150 | 100% | Unlimited | calendar year, per person | |
| 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 | 100% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Flu vaccination | No general coverage, only the extra lines below. | ||||
| VaccinatiesExtra lineunder Flu vaccination Read automatically, not yet checked | €200 | 100% | Unlimited | calendar year, per person | |
| Patient association membership Read automatically, not yet checkedName used by the insurer: Contributie patiëntenvereniging | €20 | 100% | Unlimited | calendar year, per person | |
| Lidmaatschap thuiszorgorganisatiesExtra lineunder Patient association membership Read automatically, not yet checked | €18 | 100% | Unlimited | calendar year, per person | |
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma | €500 | 100% | Unlimited | 2 calendar years, per person | Ook de programma's Fitkids en JOGG-leefstijlinterventie krijgen dezelfde vergoeding. |
| Contributie sportverenigingExtra lineunder Exercise programme and medical fitness Read automatically, not yet checked | €50 | 100% | Unlimited | calendar year, per person | |
| 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 | €175 | 100% | Unlimited | calendar year, per person | |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch advies | €150 | 100% | Unlimited | calendar year, per person | |
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Overige psychologische zorg | €500 | 100% | 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 | |
| Hulpmiddelen ter ondersteuning van zelfredzaamheidExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €75 | 75% | Unlimited | calendar year, per person | |
| Alarmering op sociale indicatieExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €60 | 100% | Unlimited | calendar year, per person | Huur van alarmapparatuur, hooguit € 5 per maand (omgerekend per kalenderjaar). |
| 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 | |
| Breast pump Read automatically, not yet checked | €75 | 100% | Unlimited | calendar year, per person | |
| Recovery stay and care hotel Read automatically, not yet checkedName used by the insurer: Herstellingsoord, zorghotel en hospice | €1,500 | 100% | Unlimited | calendar year, per person | Up to €50.00 per treatmentShared with Hospice and palliative careBedrag per dag met een jaarmaximum, voor herstellingsoord, zorghotel en hospice samen. |
| KuurreizenExtra lineunder Recovery stay and care hotel Read automatically, not yet checked | €1,050 | 100% | Unlimited | calendar year, per person | |
| 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 €20.00 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 | €300 | 100% | Unlimited | calendar year, per person | |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Vervangende mantelzorg | €3,500 | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | €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 | €100 | 100% | Unlimited | calendar year, per person | |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Oorstandcorrecties | €500 | 100% | Unlimited | calendar year, per person | Correctie van afstaande oren. |
| Flebologie/proctologieExtra lineunder Plastic surgery Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | |
| Deductible compensation | No general coverage, only the extra lines below. | ||||
| Vergoeding eigen bijdrage Wlz/WmoExtra lineunder Deductible compensation Read automatically, not yet checked | €200 | 100% | Unlimited | calendar year, per person | |
| Menopause consultant Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | |
| Sterilisation Read automatically, not yet checkedName used by the insurer: Sterilisatie bij vrouwen | €1,200 | 100% | Unlimited | calendar year, per person | Vrouw via medisch specialist; man tot € 300 via huisarts of ziekenhuis. |
| Patient transport and its co-payment Read automatically, not yet checkedName used by the insurer: Vergoeding eigen bijdrage ziekenvervoer | €134 | 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 | €118.00 | €1,416.00 |
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 29 October 2026)