How is physiotherapy reimbursed in 2026?
Below you can read how physiotherapy at Fysico Rotterdam is reimbursed. The rules in this overview apply to 2026. Exactly how much is covered depends on your health insurer and your policy.
No referral needed. Physiotherapy in the Netherlands is directly accessible: you don't need a referral from your GP. During your first appointment we carry out a short screening to determine whether we are the right place for you. For reimbursement from the basic health insurance, for example for a chronic condition, and for oedema therapy, a referral from your GP or specialist is usually required.
Not sure about your reimbursement or supplementary insurance?
Feel free to contact us. We'll work it out together.
Good to know
Contracts with all health insurers, except Salland
No referral needed
We bill your insurer directly
Deductible (eigen risico) 2026: € 385 (basic insurance only)
Supplementary insurance
For most complaints, physiotherapy is covered by your supplementary insurance (aanvullende verzekering). The number of treatments per year differs per policy. We bill your insurer directly, up to the maximum in your policy.
No supplementary insurance, or have you reached your maximum? Then you pay for the treatments yourself according to our fees. Reimbursement from supplementary insurance does not count towards your deductible.
Children and young people under 18
The first 9 treatments per condition are covered by the basic insurance. If more are needed, the insurer can cover another 9 treatments. For a chronic condition, all treatments are covered.
For children there is no deductible.
Basic insurance (18 years and older)
Only for these conditions, usually with a referral
| Condition | Cover from the basic insurance |
| Chronic condition (on the statutory list, such as Parkinson's, MS, rheumatism or after a stroke) | From the 21st treatment onwards. You pay for the first 20 yourself or through your supplementary insurance. |
| Osteoarthritis of the knee or hip | Up to 12 exercise therapy treatments |
| COPD from GOLD stage 2 | Supervised exercise therapy |
| Intermittent claudication (peripheral arterial disease) | Up to 37 exercise therapy treatments |
| Urinary incontinence | Up to the first 9 treatments pelvic physiotherapy |
| Severe rheumatoid arthritis or axial spondyloarthritis | Long-term exercise therapy for severe limitations |
Reimbursement from the basic insurance counts towards your deductible (€ 385 per year in 2026). Some insurers require prior approval (authorisation). We arrange this in consultation with you.
Craniosacral therapy
Not part of physiotherapy. Some insurers cover it under supplementary insurance if the therapist is registered with the professional association. Check with your insurer beforehand. Does not count towards your deductible.
Fysico Fitness and massage
Training in our training room (Fysico Fitness) and massage are not covered by health insurance. See the Fysico Fitness fees.
Dietetics
For dietetics separate rules apply: up to 3 hours per year are covered by the basic insurance. Our partner Praktijk HRC will be happy to tell you more.
- Fysico Rotterdam does not have a contract with Salland Zorgverzekeringen. If you are insured with Salland, you will receive the invoice yourself and claim it from your insurer.
- Cancel an appointment at least 24 hours in advance. A missed appointment is not reimbursed and will be charged to you. See our payment terms.
- Check your policy to see how many treatments you still have covered.
Frequently asked questions about reimbursement
Do I need a referral for physiotherapy?
No. You can come to us without a referral. At the first appointment we carry out a short screening. For reimbursement from the basic insurance, for example for a chronic condition, a referral from your GP or specialist is usually required.
Does physiotherapy count towards my deductible?
Only if the treatment is covered by the basic insurance. Reimbursement from your supplementary insurance does not count towards your deductible. Children under 18 have no deductible.
How many treatments are covered?
This depends on your supplementary insurance. The number of treatments per year is stated in your policy or in your insurer's app. Not sure? We're happy to check with you.
What if I don't have supplementary insurance?
Then you pay for the treatments yourself, according to our fees. If you have a condition covered by the basic insurance, part of it will be reimbursed.
I'm insured with Salland. Can I still come to Fysico?
Yes. We don't have a contract with Salland, so you will receive the invoice yourself and claim it from your insurer. Reimbursement for care without a contract may be lower, so check with Salland beforehand.
Call or email us, or book an appointment online straight away.