Physio insurance

fysio INSURANCE 2026
make a smart decision

The big picture

As a customer, you see dozens of different health insurers. But did you know:

• • • There are actually only seven major insurance groups?

    • And that 80% of insurers fall under just four parent companies: Achmea, CZ, VGZ and Menzis — also known as the “Big Four”?

Because the basic health insurance package is regulated by law, insurers try to differentiate themselves through their supplementary packages to stay competitive.

They keep the prices of these packages low — and that has a major impact on the physiotherapy sector in particular.

What’s happening?

• • • Insurers try to sell more supplementary packages

    • At the same time, they pay less for the actual care

    • Contracted therapists receive (too) low compensation

    • Non-contracted therapists — like us (and therefore you) — receive even less

Did you know?

A few years ago, Dutch health insurers commissioned an independent study into the cost price of a physiotherapy treatment.
After adjusting for inflation, the calculated cost price (without profit) came to approximately €54 per session.

Yet insurers ignored this outcome — and continue to reimburse physiotherapists only about €37 per session.
This forces many practices to work below cost price.

Some practices have reduced their treatment time from 30 minutes to 20 minutes just to stay financially afloat.

Why are we telling you?

Physiotherapy is an essential part of healthcare — representing only about 1.5% of total healthcare costs.
Due to increasing pressure, low fees and limited growth opportunities, more and more young therapists are leaving the profession.
That’s a loss — for the field, but especially for you as a client.

Our advice

Review your insurance for the coming year with care:

• • • Which insurer will you choose?

    • Do you need a supplementary package?

    • Would the most basic supplementary package be enough?

Note: If you expect to have surgery soon, a supplementary package may be beneficial.

Uninsured healthcare costs can sometimes be deducted from your taxable income in your annual tax return. You can find the conditions for this on the website of the Dutch Tax Authority.

Important government information

If you switch to another health insurer before 31 December, your old policy is automatically cancelled by your new insurer.

• • • Until 31 December you can change insurers

    • Until 1 February you can only change your (supplementary) package

Alternatives

• • • Build your own savings pot for additional healthcare instead of taking out a supplementary package. Depending on your situation, this can be more cost-effective — if not this year, then next year.

    • Are you self-employed? Check whether you can book your treatment costs (for yourself or your team) as business expenses.

    • Avoid the Big Four (VGZ, Achmea, CZ and Menzis). Their policies are becoming increasingly restrictive. The infographic at the top of this page shows which labels fall under these groups.

Art of Physio 2026

We remain true to our values — and our own way of working — independent of insurance companies.
While many practices are switching to 20-minute sessions, we continue to work with 30-minute treatments.

We are increasingly focusing on health, vitality and longevity. Not only to resolve your complaints, but to optimise your long-term vitality— so you can add more life to your years.

This approach is reflected in everything we do. Read more:

Our rates in 2026

We are making a small price adjustment:

• • • €61 for follow-up sessions

    • €108 for initial assessments

We surround our sessions with added value at no extra charge:

• • • The premium quality and service you’re used to

    • Access to our training facilities and recovery tools, such as:

      • red light therapy

      • compression boots

      • massage guns
        You’re welcome to use these before or after your session — just let your therapist know.

    • Room for continuous development, training and education for our therapists