Changes Zorg Gemak Policy 2026
The Dutch government decides what types of care are reimbursed under the basic health insurance policy. This basic insurance is amended each year, for instance to include new treatments and types of medication. This is the same for all healthcare insurers. Read about all the changes below.
The following changes apply to the basic insurances Zorg Gemak Policy
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More help with smoking cessationStarting in 2026, you will be able to participate in a smoking cessation programme three times per calendar year. This is fully reimbursed from the basic insurance. This will allow you to get help more quickly if you are unable to stop. Up to now, a maximum of one programme per calendar year has been reimbursed. Research shows that people are more likely to successfully quit if they receive support more often.
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No excess in case of consultation and consultation adviceAs from 2026, a consultation and consultation advice will no longer fall under the excess. This also applies to the exploratory interview in the mental health care unit. In the case of a consultation and advice from a consultant, a doctor can request advice from another healthcare provider. This allows quick determination of the patient’s needs. The aim is to provide patients with the right care as quickly as possible and to reduce the pressure on healthcare.
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Long-term exercise therapy in axial spondyloarthritis reimbursedDo you have axial spondyloarthritis (a form of inflammatory rheumatism with pelvic and spinal complaints) and severe limitations in everyday life? You will be reimbursed for long-term exercise therapy starting in 2026. This care can be provided by both a physiotherapist or a remedial therapist. Since it has been proven that the remedial therapy helps with exercise and reduces pain, this care will from now on be reimbursed from the first treatment under the basic insurance.
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More caregivers may refer to specialist care
From 2026, the following healthcare providers may also refer you to specialist medical care:
- a forensic doctor or substance abuse specialist in the event of physical complaints
- a midwife for prenatal screening
You do not always have to go to your GP first. This makes access to the right care faster and easier.
Changes to supplementary insurance
The following change applies to AV-Gemak Regio and AV-Gemak
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Reimbursement for X-rays at the dentist (code X10) adjustedAs of 2026, a maximum of two x-rays at the dentist (code X10) per year will be reimbursed in combination with a check-up visit. This means that instead of a fixed amount (of up to €35), you will now be reimbursed for the full costs of two photos.
Amendment of general terms and conditions
Our general terms and conditions have been amended. This applies to both basic insurance
and supplementary insurance. The condition already existed, but has been further clarified in the policy conditions of 2026.
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Care for yourself or by a family memberCare that you provide to yourself, or care that a family member provides to you, will not be reimbursed. Referrals by yourself or a family member will also not be reimbursed. Only in exceptional cases can a family member obtain permission from Zorg en Zekerheid to provide the care. It must then be demonstrated that care by a family member is necessary and cannot be provided by another care provider.
Good to know
Do you have one of the other Zorg en Zekerheid health insurances? The changes that apply, you will find on Changes health insurance.
200 years of Zorg en Zekerheid
As a health insurer, we have been working with care providers and municipalities for 200 years to arrange the best care in your area. This is important, because we can make good agreements to organise care smarter through better cooperation. This improves care and reduces waiting times. We also pay extra attention on healthy living and digital solutions. All this so that everyone can count on the right care. Both now and in the future.
No profit motive
In 2026, we will again do everything we can to keep the premium as low as possible. As Zorg en Zekerheid, we do not aim to make a profit. We invest money that is left over to make your premium rise less sharply or to invest in good care. We have done the same in recent years. In this way, we were able to keep the premium lower than the actual care costs.
Your premium
Informatie on your personal premium of the basic and supplementary insurance you will find on you policy schedule in the app and MijnZZ.
Excess and care allowance
Your compulsory excess for 2026 will remain unchanged at €385. If you receive care covered by the basic health insurance policy, you must pay part of the costs out of your own pocket. This is called the excess.
In 2026, the care allowance will remain roughly the same. This is a contribution from the government towards the costs of your health insurance. On the website of the Dutch Tax and Customs Administration (Belastingdienst), you can calculate whether you are entitled to a care allowance and how to apply for it.
From care to health
Your health is our highest priority. This is why we offer very practical self-care modules and reimbursement options. Among other things, these modules can help you sleep better or adopt a healthier diet. On our platform 'Gezond leven' to find out what small steps you can take to achieve real results.
View platform Gezond leven
Payment of excess in instalments
Do you expect to fully use the excess of €385 in 2026? Or are you keen to avoid being hit with unexpected costs? With us it is possible to pay the mandatory excess in advance in 10 equal instalments. Enable spread payment of excess for the year 2026 before 31 December 2025.
Payment assistance
Are you unable to pay the invoice in one go? Are you struggling with payment arrears? We offer more payment options than you may be aware of. This allows you to choose the option best suited to your situation. See our various payment scheme options at the options.
Compare and adjust insurance
Would you like to know if your package is still right for you in 2026? You can compare the insurance you currently have with our other packeges easily in the app or MijnZZ. Pleas notify us of any changes by 31 December 2025.