Ruime Keuze
VGZ
CombinatieMix of contracted and free choiceGood all-rounder
Monthly premium
€154.25
/month
VGZ's popular combinatie option with physiotherapy included. The 'Ruime Keuze' (wide choice) name says it all — you get broad provider freedom plus physio sessions, which is unusual at this price point. A favourite among active expats.
Coverage Details
🏥
GP (huisarts)
Always covered under Dutch law
Standard
👨⚕️
Specialist care
Referral from GP required
Standard
🏨
Hospital care
Full coverage at contracted hospitals
Standard
💊
Prescriptions
Covered from the GVS medicines list
Standard
🤰
Maternity care
Full coverage including midwife
Standard
🦷
Dental care
Available via supplementary policy
Not included
💪
Physiotherapy
Sessions included in this plan
Included
🧠
Mental healthcare
Covered with GP referral
Included
🌿
Alternative medicine
Not covered in this plan
Not included
Pros & Cons
Best For
Deductible (Eigen Risico)
Ready to Sign Up?
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Switching is free — you can change insurers every year before January 1st.
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Ruime Keuze
€154.25/month