[et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”8px||4px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.4″ min_height=”418px” custom_padding=”0px||0px|||” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ min_height=”225px” height=”100px” max_height=”100px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ custom_padding=”2px|25px||25px|false|false”]<\/p>\n
Edit: December 2025<\/em><\/p>\n <\/em><\/p>\n <\/em><\/p>\n Once again this year, health insurers are doing their best to convince you to choose them.<\/p>\n But\u2026 they\u2019re not telling you the full story. \n Health insurance premiums<\/strong> are increasing<\/p>\n<\/li>\n Coverage<\/strong> is decreasing<\/p>\n<\/li>\n Reimbursement for non-contracted physiotherapy<\/strong> is being reduced even further<\/p>\n<\/li>\n<\/ul>\n \n In 2026, you may receive only a small reimbursement for your treatments \u2014 and this is not<\/strong> because of our prices.<\/p>\n \n \n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_image src=”https:\/\/artofphysio.nl\/wp-content\/uploads\/2024\/11\/Zorgverzekeringen.png” _builder_version=”4.27.4″ _module_preset=”default” title_text=”Zorgverzekeringen” force_fullwidth=”on” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ background_color=”#F7E4C1″ hover_enabled=”0″ sticky_enabled=”0″ custom_padding=”25px|25px|25px|25px|false|false”]<\/p>\n As a customer, you see dozens of different health insurers. But did you know:<\/strong><\/p>\n There are actually only seven major insurance groups<\/strong>?<\/p>\n<\/li>\n And that 80%<\/strong> of insurers fall under just four parent companies: Achmea, CZ, VGZ and Menzis<\/strong> \u2014 also known as the \u201cBig Four\u201d?<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n Because the basic health insurance package is regulated<\/strong> by law, insurers try to differentiate themselves through their supplementary packages<\/strong> to stay competitive.<\/p>\n They keep the prices of these packages low<\/strong> \u2014 and that has a major impact on the physiotherapy sector in particular.<\/p>\n <\/strong><\/span><\/p>\n Insurers try to sell more supplementary packages<\/p>\n<\/li>\n At the same time, they pay less for the actual care<\/p>\n<\/li>\n Contracted therapists<\/strong> receive (too) low compensation<\/p>\n<\/li>\n Non-contracted therapists<\/strong> \u2014 like us (and therefore you)<\/strong> \u2014 receive even less<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n A few years ago, Dutch health insurers commissioned an independent study into the cost price of a physiotherapy treatment<\/strong>. Yet insurers ignored this outcome<\/strong> \u2014 and continue to reimburse physiotherapists only about \u20ac37 per session<\/strong>. Some practices have reduced their treatment time from 30 minutes to 20 minutes<\/strong> just to stay financially afloat.<\/p>\n \n <\/strong><\/span><\/p>\n Physiotherapy is an essential<\/strong> part of healthcare \u2014 representing only about 1.5% of total healthcare costs.<\/strong> [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”6px|25px|25px|25px|false|false” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n Review your insurance for the coming year with care:<\/p>\n Which insurer will you choose?<\/p>\n<\/li>\n Do you need a supplementary package?<\/p>\n<\/li>\n Would the most basic supplementary package be enough?<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n 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.<\/p>\n If you switch to another health insurer before 31 December<\/strong>, your old policy is automatically cancelled by your new insurer.<\/p>\n Until 31 December you can change insurers<\/p>\n<\/li>\n Until 1 February you can only change your (supplementary) package<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n <\/p>\n 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 \u2014 if not this year, then next year.<\/p>\n<\/li>\n Are you self-employed? Check whether you can book your treatment costs (for yourself or your team) as business expenses.<\/p>\n<\/li>\n 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.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” background_color=”#F7E4C1″ text_text_color=”#000000″ custom_padding=”25px|25px|25px|25px|false|false” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n We remain true to our values<\/strong> \u2014 and our own way of working \u2014 independent of insurance companies.<\/strong> We are increasingly focusing on health, vitality and longevity<\/strong>. Not only to resolve your complaints, but to optimise your long-term vitality<\/strong>\u2014 so you can add more life to your years.<\/p>\n This approach is reflected in everything we do. Read more:<\/p>\n \n We are making a small price adjustment:<\/strong><\/p>\n \u20ac61 for follow-up sessions<\/strong><\/p>\n<\/li>\n \u20ac108 for initial assessments<\/strong><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n The premium quality and service you\u2019re used to<\/p>\n<\/li>\n Access to our training facilities and recovery tools, such as:<\/p>\n red light therapy<\/strong><\/p>\n<\/li>\n compression boots<\/strong><\/p>\n<\/li>\n massage guns<\/strong> Room for continuous development, training and education for our therapists<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n [\/et_pb_text][et_pb_image src=”https:\/\/artofphysio.nl\/wp-content\/uploads\/2025\/12\/z6l7pko26b4n8gm9.jpg” _builder_version=”4.27.4″ _module_preset=”default” alt=”red light therapy” title_text=”z6l7pko26b4n8gm9″ align=”center” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][et_pb_button button_text=”Schedule an appointment? Click here” _builder_version=”4.27.4″ _module_preset=”default” button_alignment=”center” custom_button=”on” button_text_color=”#000000″ button_bg_color=”#F7E4C1″ button_bg_enable_color=”on” button_url=”https:\/\/flux.healthcare\/schedule\/art-of-physio\/” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" fysio INSURANCE 2026make a smart decisionEdit: December 2025 Once again this year, health insurers are doing their best to convince you to choose them. But\u2026 they\u2019re not telling you the full story.As a result, you may end up paying more than you expect. Unfortunately, we\u2019re seeing it again: Health insurance premiums are increasing Coverage is […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[161,37],"tags":[],"class_list":["post-13378","post","type-post","status-publish","format-standard","hentry","category-health-insurance","category-insurance"],"yoast_head":"\n
As a result, you may end up paying more than you expect.<\/p>\nUnfortunately, we\u2019re seeing it again:<\/h3>\n
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So what\u2019s really going on?<\/h3>\n
The big picture<\/strong><\/span><\/h3>\n
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What\u2019s happening?<\/strong><\/span><\/h3>\n
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Did you know?<\/strong><\/span><\/h3>\n
After adjusting for inflation, the calculated cost price (without profit)<\/strong> came to approximately \u20ac54 per session<\/strong>.<\/p>\n
This forces many practices to work below cost price<\/strong>.<\/p>\nWhy are we telling you?<\/strong><\/span><\/h3>\n
Due to increasing pressure, low fees and limited growth opportunities, more and more young therapists are leaving the profession.
That\u2019s a loss \u2014 for the field, but especially for you as a client.<\/strong><\/p>\nOur advice<\/strong><\/h3>\n
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Note: If you expect to have surgery soon, a supplementary package may be beneficial.<\/span><\/strong><\/em><\/h4>\n
Important government information<\/strong><\/h3>\n
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Alternatives<\/strong><\/h3>\n
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Art of Physio 2026<\/strong><\/span><\/h2>\n
While many practices are switching to 20-minute sessions, we continue to work with 30-minute treatments.<\/p>\nOur rates in 2026<\/strong><\/span><\/h3>\n
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We surround our sessions with added value at no extra charge:<\/span><\/h3>\n
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You\u2019re welcome to use these before or after your session \u2014 just let your therapist know.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n