In the Netherlands everyone is obliged to have a basic health insurance (“zorgverzekering” in Dutch). However, a basic health insurance doesn’t cover treatment by a physiotherapist (except in very specific situations) and you must choose (it’s not obligated) to take an additional insurance (“aanvullende verzekering” in Dutch) to be insured for a certain amount of physiotherapy treatments. How many sessions of physiotherapy, depends on which additional insurance package you choose. If you don’t have an additional insurance regarding physiotherapy, you will have to pay for the treatments yourself.
