We have contracts with all health insurance companies. If an insurer indicates that they cannot find us, please ask them to search using our AGB code: 04010430.



A supplementary insurance, a basic insurance, the deductible, chronic vs. non-chronic conditions, with or without VAT, which treatments covered or not—and under which type of insurance.
We completely understand that it can be overwhelming and confusing. That is why we believe it is important that you clearly understand which treatments covered and which are not.
We are happy to take the time to explain everything and provide clarity.
It is important to us that you do not face any unexpected costs during your treatment.
That is why, when you make your first appointment, you will always informed about your insurance coverage and what it means for your physiotherapy treatments.
Have a question?
Check our FAQ – you’ll quickly find answers to the most frequently asked questions.
In principle, you can go to the physiotherapist for all types of pain in the movable parts of the body. Depending on whether the pain is in the muscles, ligaments, and tendons, or in the harder parts of the body such as your spine or joints, it determines which therapist you should visit.
Read moreIf you have a complaint related to the musculoskeletal system that you believe a physiotherapist can help with, in most cases, you do not need a referral for physiotherapy. This applies regardless of whether the complaint concerns your muscles, joints, tendons, or ligaments.
Exceptions for a Physiotherapy Referral
Of course, there are exceptions where a referral for physiotherapy will required. This concerns chronic conditions that listed by the government. This list has created because chronic conditions often (partially) covered by the basic insurance.
When You’re Uncertain Whether You Need a Referral for Physiotherapy
If you are not sure whether you need a referral, the physiotherapist or our central office can always provide you with more information. Additionally, your health insurance policy will indicate whether a referral from your general practitioner or medical specialist is necessary for physiotherapy.
The cost of physiotherapy depends on how you are insured. If you are not insured for physiotherapy, you can view the rates in our pricing overview at the bottom of this page.
If you have additional insurance, it will always used first. If it fully used up or the coverage is insufficient, you will receive an invoice for your treatments.
Read moreSupplementary Insurance
Unlike the basic insurance, supplementary insurance is not mandatory. If you have supplementary insurance, physiotherapy treatments reimbursed by your health insurer, up to a maximum number of treatments or a maximum amount in Euros. The invoice for your treatment will directly submitted to your health insurer. You will receive an invoice from us if the maximum number of physiotherapy treatments or the maximum amount in Euros has exceeded.
When using your supplementary insurance, the deductible does not apply.
Basic Insurance
Basic insurance is mandatory in the Netherlands, with some exceptions. It only used for physiotherapy in cases of chronic conditions, and you must have a referral for this. The chronic condition must list on Annex 1 of the Health Insurance Decree (formerly known as the “Borst List”).
When using your basic insurance, the deductible applies.
VAT
The costs for physiotherapy treatments are exclusive of VAT.
The costs for treatments related to the GLI (Recombined Lifestyle Intervention) are inclusive of VAT at 21%.
Chronic or Non-Chronic
The challenging aspect of physiotherapy concerns the distinction between chronic and non-chronic complaints. Non-chronic complaints are those for which you can make an immediate appointment with the physiotherapist, and which reimbursed through supplementary insurance, provided that this insurance is sufficient and has taken out. Otherwise, these treatments will be at your own expense.
Please see our rates.
The so-called chronic complaints defined by the government and listed on Annex 1 of the Health Insurance Decree (formerly the “Borst List”). Physiotherapy treatments for conditions listed in Annex 1 of the Health Insurance Decree reimbursed through the basic insurance. For this, the first twenty treatments must pay for by you, OR (partially) reimbursed by the supplementary insurance, if sufficient.
From the 21st treatment onward, the treatments reimbursed through the basic insurance. The deductible applies when using your basic insurance. After the first twenty treatments, you may still need to pay part or all the deductibles. Exceptions apply to conditions such as Claudication Intermittens Fontaine II and COPD (depending on classification).
We are happy to inform you about your specific situation. You can contact the Central Office by phone (073 – 623 22 22) or by email.
