For expats
Physiotherapy & health insurance in the Netherlands for expats in Amsterdam
If you are new to the Netherlands, the healthcare system may feel confusing. On this page, we explain clearly how physiotherapy reimbursement works, so you know exactly what to expect.
Health insurance
How physiotherapy is covered by health insurance in the Netherlands
The Dutch healthcare system can be confusing when you’re new to the Netherlands, especially when it comes to insurance and reimbursements. The good news: physiotherapy is well organised and often (partly) covered by health insurance. Everyone in the Netherlands has a basic health insurance (basisverzekering), which covers essential medical care such as GP and hospital visits. Physiotherapy for adults is usually not included in this basic insurance.
That’s why many people choose an additional insurance package (aanvullende verzekering). These packages often cover a set number of physiotherapy sessions per year. Coverage depends on your insurer and policy. A key difference compared to many countries: you don’t need a GP referral. You can book an appointment with a physiotherapist directly.
On this page, we explain how reimbursements work for expats and how we help you check your coverage so there are no surprises.
Health insurance
Is physiotherapy covered by insurance?
Basic insurance (basisverzekering)
The standard Dutch health insurance does NOT cover physiotherapy for adults.
Exceptions:
Chronic conditions (from an official list)
After certain surgeries
Long-term rehabilitation
If this applies to you, your insurer will inform you.
Supplementary insurance (aanvullende verzekering)
Most expats choose an additional package that does cover physiotherapy.
This usually includes:
6 to 40 sessions per year (depending on plan)
Full or partial reimbursement
No deductible
We recommend checking your policy or asking us, we’re happy to help.
Health insurance
How does reimbursement work for physical therapy?
If you are insured in the Netherlands we can often claim directly. With most insurers, we send the invoice directly. You don’t have to do anything. Or you claim yourself. Some international or special policies require you to submit the invoice.
We will provide:
Official invoice
Treatment codes
All required details
Health insurance
Costs & deductible
Physiotherapy covered by supplementary insurance is not subject to the Dutch deductible (eigen risico). Only chronic care covered under basic insurance may affect your deductible.
Our standard rates are:
Intake & assessment (first visit): €XX
Regular session (30 minutes): €XX
Extended session (45 minutes): €XX
Prices may change. Please contact us for the most up-to-date rates.
Health insurance
FAQ
Do you work with my insurance company?
We work with most major Dutch insurers. Contact us to confirm.
Can I start treatment before approval?
Yes. You don’t need prior approval in most cases.
What if my sessions run out?
You can continue privately at our standard rates.
Can you help me understand my policy?
Yes. Bring your insurance details and we’ll explain it.
Evolution fysiotherapie
Still not sure? We’re happy to help.
Understanding insurance can be stressful, especially in a new country. Our team speaks fluent English and will guide you through everything. We’re here to make your care simple and transparent.
