Reimbursements
Check your reimbursement immediately
Chiropractic is (partly) covered by most health insurers from the supplementary insurance — without it coming out of your deductible. Check below what your insurer covers.
Good to know
- From the supplementary insurance
- Not from your deductible
- No referral necessary
In 2026, 130 of the 183 supplementary plans from 36 health insurers cover chiropractic care, up to € 1,500 per year with the most generous plan. It does not affect your deductible. Arthur Mulder is listed in the National Register of Chiropractors (RegisterChiropractor): if your insurer asks for a registration, this is it. Choose your insurer and plan below.
Source: chiropractievergoeding.nl, policy year 2026 (version 1.0 — 21-11-2025). This is an indication; your own policy always prevails.
All 183 policies from 36 insurers in one tablePer year and per treatment, for every supplementary policy
| Additional package | Per year | Per treatment |
|---|---|---|
| Aevitae | ||
| Laef! 3 | € 250 | € 40 |
| Laef! 4 | € 450 | € 50 |
| Anderzorg | ||
| Extra | € 200 | € 40 |
| a.s.r. | ||
| Start | € 100 | € 45 |
| Extra | € 250 | € 45 |
| Uitgebreid | € 500 | € 45 |
| Optimaal * | € 1.000 | € 45 |
| AZVZ | ||
| Comfort-Extra | € 475 | € 40 |
| Blend | ||
| Start | € 350 | € 40 |
| Royaal | € 550 | € 40 |
| Excellent | € 1.200 | € 40 |
| Care4life | ||
| Care 2 | € 200 | € 40 |
| Care 3 | € 300 | € 40 |
| Care 4 | € 400 | € 40 |
| CZ | ||
| Start | Not covered | |
| Basis | Not covered | |
| Jongeren | € 200 | € 30 |
| Plus | € 350 | € 40 |
| Top | € 550 | € 40 |
| 50+ | € 350 | € 40 |
| Excellent * | € 750 | € 50 |
| Supertop * | € 750 | € 50 |
| Gezinnen * | € 350 | € 40 |
| Ideaal * | Not covered | |
| CZdirect | ||
| Fysio 12+ | € 250 | € 25 |
| De Christelijke Zorgverzekeraar | ||
| Small | Not covered | |
| Medium | € 320 | € 40 |
| Large | € 440 | € 40 |
| Extra Large | € 600 | € 40 |
| De Friesland | ||
| AV Instap | Not covered | |
| AV Opstap | Not covered | |
| AV Budget | Not covered | |
| AV Doorstap | Not covered | |
| AV Standaard | € 200 | € 40 |
| AV Extra | € 400 | € 40 |
| AV Frieso Compleet | € 500 | € 40 |
| AV Optimaal | € 600 | € 40 |
| DSW | ||
| AV-Compact | € 250 | € 25 |
| AV-Standaard | € 450 | € 30 |
| AV-Top | € 450 | € 35 |
| AV-Student | € 450 | € 30 |
| FBTO | ||
| Basis | Not covered | |
| Spieren & Gewrichten | Not covered | |
| Hollandzorg | ||
| Plus | € 350 | € 40 |
| Top | € 500 | € 40 |
| Interpolis | ||
| ZorgCompact Plus | Not covered | |
| MeerZeker | Not covered | |
| ZonderMeer | Not covered | |
| ZonderZorgen | € 550 | € 40 |
| Iza | ||
| Extra Zorg Instap | Not covered | |
| Extra Zorg 1 | Not covered | |
| Extra Zorg 2 | € 500 | € 40 |
| Extra Zorg 3 | € 650 | € 40 |
| Classic Comfort | € 600 | € 25 |
| Izz | ||
| Zorg voor de Zorg Extra 1 | € 300 | € 40 |
| Zorg voor de Zorg Extra 2 | € 500 | € 40 |
| Zorg voor de Zorg Extra 3 | € 800 | € 40 |
| Bijzonder Bewust | € 150 | € 40 |
| ZorgGoed | Not covered | |
| ZorgBeter | € 250 | € 25 |
| Just | ||
| Just Live | Not covered | |
| Menzis | ||
| Aanvullend | Not covered | |
| ExtraAanvullend | Not covered | |
| ExtraVerzorgd 1 | Not covered | |
| ExtraVerzorgd 2 | € 300 | € 40 |
| ExtraVerzorgd 3 | € 500 | € 40 |
| JongerenVerzorgd | € 200 | € 40 |
| GarantVerzorgd 1 | Not covered | |
| GarantVerzorgd 2 ** | € 300 | € 40 |
| GarantVerzorgd 3 ** | € 500 | € 40 |
| Collectief Aanvullend 1 ** | Not covered | |
| Collectief Aanvullend 2 ** | € 350 | € 40 |
| Collectief Aanvullend 3 ** | € 550 | € 40 |
| Collectief Aanvullend 4 ** | € 750 | € 40 |
| Nationale Nederlanden | ||
| Instap | Not covered | |
| Start | Not covered | |
| Extra | € 250 | € 50 |
| Compleet | € 500 | € 50 |
| Comfort | € 1.000 | € 50 |
| Top | € 1.500 | € 50 |
| Jij & Compact | Not covered | |
| Jij & Gemak | € 250 | € 25 |
| Jij & Vitaal | € 350 | € 50 |
| Ohra | ||
| Compact | Not covered | |
| Sterk | Not covered | |
| Aanvullend | € 200 | € 40 |
| Extra Aanvullend | € 350 | € 40 |
| Uitgebreid | € 500 | € 40 |
| Uitgebreid Vitaal | € 1.000 | € 45 |
| Extra Uitgebreid | € 1.000 | € 45 |
| Compleet | € 1.500 | € 45 |
| Zelfverzekerd Compact | € 250 | € 45 |
| ONVZ | ||
| Startfit ** | € 100 | € 30 |
| Benfit ** | € 350 | € 40 |
| Optifit ** | € 550 | € 50 |
| Topfit ** | € 1.000 | € 65 |
| Superfit ** | € 1.500 | € 75 |
| Pzp | ||
| Basis | € 225 | € 25 |
| Plus | € 425 | € 25 |
| Jongeren | € 200 | € 30 |
| Top Collectief | € 550 | € 40 |
| Salland | ||
| Start | Not covered | |
| Extra | Not covered | |
| Plus | € 350 | € 40 |
| Top | € 500 | € 40 |
| Stad Holland | ||
| Jongeren | € 400 | € 25 |
| Compact | € 250 | € 25 |
| Standaard | € 450 | € 30 |
| Uitgebreid | € 450 | € 35 |
| Extra Uitgebreid | € 450 | € 40 |
| Studenten Goed Verzekerd | ||
| ExtraVerzorgd 1 | Not covered | |
| ExtraVerzorgd 1 | € 300 | € 40 |
| ExtraVerzorgd 1 | € 500 | € 40 |
| JongerenVerzorgd | € 200 | € 40 |
| Umc | ||
| Extra Zorg Instap | Not covered | |
| Extra Zorg 1 | Not covered | |
| Extra Zorg 2 | € 300 | € 40 |
| Extra Zorg 3 | € 500 | € 40 |
| UnitedConsumers | ||
| ZorgStart | Not covered | |
| ZorgCombi | Not covered | |
| ZorgBasis | Not covered | |
| ZorgZeker 1 | Not covered | |
| ZorgZeker 2 | Not covered | |
| ZorgZeker 3 | € 300 | € 40 |
| Univé | ||
| Goed (ook collectief) | Not covered | |
| Beter | € 200 | € 40 |
| Best | € 0 | € 40 |
| Gemeentepakket Compact | € 200 | € 40 |
| Gemeentepakket Compleet | € 300 | € 40 |
| Collectief Aanvullend Beter | € 300 | € 40 |
| Collectief Aanvullend Beter | € 500 | € 40 |
| VGZ | ||
| Aanvullend Instap | Not covered | |
| Aanvullend Goed | Not covered | |
| Aanvullend Beter | € 300 | € 40 |
| Aanvullend Best | € 500 | € 40 |
| Excellent | € 650 | € 40 |
| Optimaal | € 500 | € 40 |
| Werkt Instap | Not covered | |
| Werkt Goed | Not covered | |
| Werkt Beter | € 300 | € 40 |
| Werkt Best | € 500 | € 40 |
| Zorgt Goed | Not covered | |
| Zorgt Beter | € 300 | € 40 |
| Zorgt Best | € 500 | € 40 |
| Primair | Not covered | |
| Royaal | Not covered | |
| Vgzbewuzt | ||
| Actief | Not covered | |
| Fit | Not covered | |
| Gezond | Not covered | |
| Vvaa | ||
| Start | € 100 | € 30 |
| Plus | € 350 | € 40 |
| Optimaal | € 550 | € 50 |
| Top | € 1.000 | € 65 |
| Excellent | € 1.500 | € 75 |
| ZEKUR | ||
| ExtraZekur | € 250 | € 25 |
| Ziezo | ||
| Aanvullend 1 | Not covered | |
| Aanvullend 2 | € 250 | € 40 |
| Zilveren Kruis | ||
| Aanvullend 1 Ster | Not covered | |
| Aanvullend 2 Sterren | € 250 | € 40 |
| Aanvullend 3 Sterren | € 450 | € 40 |
| Aanvullend 4 Sterren | € 650 | € 40 |
| Basis Plus Module | Not covered | |
| Zorgzaam | ||
| Ster 1 | € 100 | € 25 |
| Ster 2 | € 300 | € 25 |
| Ster 3 | € 0 | € 25 |
| Ster 4 | € 500 | € 40 |
| Ster 5 | € 650 | € 40 |
| Zorg & Zekerheid | ||
| AV-Gemak | Not covered | |
| AV-Basis | € 250 | € 25 |
| AV-Sure | € 250 | € 25 |
| AV-Standaard | € 250 | € 25 |
| AV-Gezzin Compact | Not covered | |
| AV-Gezzin | € 460 | € 40 |
| AV-Top | € 460 | € 40 |
| AV-Plus | € 460 | € 40 |
| AV-Totaal | € 600 | € 100 |
| AV-Prima (collectief) | € 460 | € 40 |
| AV-Master (collectief) | € 460 | € 40 |
| AV-Cum Laude (collectief) | € 600 | € 100 |
| AV-Gemeente Standaard | € 115 | € 100 |
| AV-Gemeente Top | € 500 | € 40 |
| Haarlem/Zandvoort Standaard | € 115 | € 100 |
| Haarlem/Zandvoort Top | € 250 | € 40 |
Reimbursement
How it works
From the supplementary insurance
Chiropractic is covered by the supplementary insurance, not by the basic insurance. This means that it will not be at the expense of your deductible.
No referral necessary
You can make an appointment directly. A referral letter from the GP is not required for reimbursement.
We will send the invoice
You pay at the practice, by card or cash, and immediately receive an invoice with all the information your insurer needs. You submit this yourself, usually via the app or the website of your insurer.
Your compensation
What determines how much you get back?
Insurers reimburse chiropractic care with a maximum per treatment and a maximum per calendar year. The amount that applies to you depends on your package; The check above shows what is stated per package. Once the annual maximum has been reached, you will pay for the remainder of that year yourself.
On your first visit
At the counter, during your first visit, we will check with you how you are insured and whether you have additional insurance. Please bring your health insurance card and proof of identity with you. Afterwards you pay, by card or cash, and you will immediately receive the invoice.
Frequently asked questions
Frequently asked questions about reimbursement
Does chiropractic come out of my deductible?
No. The reimbursement comes from the supplementary insurance, which falls outside the deductible of the basic insurance.
Do I need a referral to receive reimbursement?
No. You make an appointment directly; a referral letter from the GP is not necessary.
How do I pay and how do I get it back?
You pay at the practice, by card or cash. You will immediately receive an invoice with all the information your insurer requests. You submit this yourself, usually via the app or the website of your insurer.
My plan does not cover chiropractic care. Can I still come?
Yes. You then pay for the treatment yourself. You can see what a treatment costs on the rates page.
Your package
Is your package not listed?
The overview concerns the packages stated in the policy conditions. If you have a package through your employer, a group or an intermediary, the name may differ while the coverage is the same. Call us and we will look into it with you.
