Health Insurance and Pregnancy 2027
What does your health insurance cover during your pregnancy? Find out which costs are covered by basic insurance, when supplemental coverage can help, and how to check your coverage for a prenatal class.
Check Your Health Insurance
Select the year for which you want to check your insurance coverage, then select your health insurer.
a.s.r. — 2026
Aanvulling Start
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Aanvulling Extra
Prenatal class
Covered under certain conditions
Maximum €500.00
100% per calendar year
You share this maximum with other preventive courses.
Only courses taken before childbirth; the provider must meet the policy terms and conditions.
- Additional monthly premium
- Not recorded
Aanvulling Uitgebreid
Prenatal class
Covered under certain conditions
Maximum €750.00
100% per calendar year
You share this maximum with other preventive courses.
Only courses taken before childbirth; the provider must meet the policy terms and conditions.
- Additional monthly premium
- Not recorded
Aanvulling Optimaal
You can no longer purchase this package as a new policy.
Prenatal class
Covered under certain conditions
Maximum €1,000.00
100% per calendar year
You share this maximum with other preventive courses.
Only courses taken before childbirth; the provider must meet the policy terms and conditions.
- Additional monthly premium
- Not recorded
ZorgBasis
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBewust
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgGoed
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBeter
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBest
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Aevitae (EUCARE) — 2026
Laef! 2
Prenatal class
Covered under certain conditions
Maximum €125.00
100% per calendar year
- Additional monthly premium
- Not recorded
Laef! 3
Prenatal class
Covered under certain conditions
Maximum €125.00
100% per calendar year
- Additional monthly premium
- Not recorded
CZ — 2026
Basis
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Plus
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Top
Prenatal class
Covered under certain conditions
Maximum €200.00
100% per calendar year
- Additional monthly premium
- Not recorded
CZdirect — 2026
Fysio 3
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Fysio 6
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Fysio 9
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Wereld
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
De christelijke zorgverzekeraar — 2026
Largepolis
Prenatal class
Covered under certain conditions
Maximum €50.00
100% per pregnancy
- Additional monthly premium
- Not recorded
Mediumpolis
Prenatal class
Covered under certain conditions
Maximum €50.00
100% per pregnancy
- Additional monthly premium
- Not recorded
De Friesland — 2026
AV Extra
Prenatal class
Covered under certain conditions
Maximum €125.00
100% per calendar year
- Additional monthly premium
- Not recorded
AV Standaard
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
DSW Zorgverzekeraar — 2026
AV-Compact
Prenatal class
Not covered
- Additional monthly premium
- €10.00
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
AV-Standaard
Prenatal class
Not covered
- Additional monthly premium
- €29.00
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
AV-Top
Prenatal class
Not covered
- Additional monthly premium
- €51.00
Other reimbursements
- Copayment for postpartum care
- 100%
- Copayment for childbirth without medical indication
- 100%
AV-Student
Prenatal class
Not covered
- Additional monthly premium
- €18.00
FBTO — 2026
Prenatal class
Not covered
Ik kies zelf van a.s.r. — 2026
ZorgBasis
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBewust
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgGoed
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBeter
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZorgBest
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Interpolis — 2026
MeerZeker
Prenatal class
Not yet confirmed
- Additional monthly premium
- Not recorded
ZonderMeer
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZonderZorgen
Prenatal class
Not yet confirmed
- Additional monthly premium
- Not recorded
ZorgCompact Plus
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Just — 2026
Just Live
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Menzis — 2026
ExtraVerzorgd 2
Prenatal class
Covered under certain conditions
Maximum €50.00
100% per calendar year
- Additional monthly premium
- Not recorded
ExtraVerzorgd 3
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Nationale-Nederlanden — 2026
Compleet
Prenatal class
Covered under certain conditions
Maximum €200.00
100% per calendar year
- Additional monthly premium
- Not recorded
Extra
Prenatal class
Covered under certain conditions
Maximum €200.00
100% per calendar year
- Additional monthly premium
- Not recorded
Start
Prenatal class
Covered under certain conditions
Maximum €200.00
100% per calendar year
- Additional monthly premium
- Not recorded
OHRA — 2026
Extra Aanvullend
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Uitgebreid
Prenatal class
Covered under certain conditions
Maximum €200.00
100% per calendar year
- Additional monthly premium
- Not recorded
ONVZ — 2026
Vrije Keuze Optifit
Prenatal class
Covered under certain conditions
Maximum €150.00
100% per calendar year
- Additional monthly premium
- Not recorded
Vrije Keuze Topfit
Prenatal class
Covered under certain conditions
Maximum €250.00
100% per calendar year
- Additional monthly premium
- Not recorded
Salland Zorgverzekeringen — 2026
Plus
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per pregnancy
- Additional monthly premium
- Not recorded
Top
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per pregnancy
- Additional monthly premium
- Not recorded
Stad Holland Zorgverzekeraar — 2026
Prenatal class
Not covered
UnitedConsumers (VGZ) — 2026
ZorgZeker 2
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
ZorgZeker 3
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Univé — 2026
Aanvullend Best
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
Aanvullend Beter
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
VGZ — 2026
VGZ Aanvullend Best
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
VGZ Aanvullend Beter
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
VGZbewuzt — 2026
bewuzt actief
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
bewuzt fit
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
bewuzt gezond
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
VinkVink — 2026
Buitenland en Tandongeval
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
VvAA zorgverzekering — 2026
Optimaal
Prenatal class
Covered under certain conditions
Maximum €150.00
100% per calendar year
- Additional monthly premium
- Not recorded
Top
Prenatal class
Covered under certain conditions
Maximum €250.00
100% per calendar year
- Additional monthly premium
- Not recorded
ZEKUR — 2026
Aanvullend ZEKUR Buitenland
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Aanvullend ZEKUR Fysiotherapie
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Extra ZEKUR Zorg (inclusief tandarts)
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZieZo van Zilveren Kruis — 2026
ZieZo Aanvullend 1
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
ZieZo Wereld & Tandongeval
Prenatal class
Not covered
- Additional monthly premium
- Not recorded
Zilveren Kruis — 2026
Aanvullend 2 sterren
Prenatal class
Covered under certain conditions
Maximum €50.00
100% per pregnancy
- Additional monthly premium
- Not recorded
Aanvullend 3 sterren
Prenatal class
Covered under certain conditions
Maximum €50.00
100% per pregnancy
- Additional monthly premium
- Not recorded
Zorg en Zekerheid — 2026
AV Basis
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
AV GeZZin
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
AV Standaard
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
AV Top
Prenatal class
Covered under certain conditions
Maximum €100.00
100% per calendar year
- Additional monthly premium
- Not recorded
For 2027, we only show insurers for which information is already available.
DSW Zorgverzekeraar — 2027
AV-Compact
Prenatal class
Not yet confirmed
- Additional monthly premium
- €10.00
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
AV-Standaard
Prenatal class
Not yet confirmed
- Additional monthly premium
- €29.00
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
AV-Top
Prenatal class
Not yet confirmed
- Additional monthly premium
- €51.00
Other reimbursements
- Copayment for postpartum care
- 100%
- Copayment for childbirth without medical indication
- 100%
AV-Student
Prenatal class
Not yet confirmed
- Additional monthly premium
- €18.00
Other reimbursements
- Copayment for postpartum care
- Not covered
- Copayment for childbirth without medical indication
- Not yet confirmed
Stad Holland Zorgverzekeraar — 2027
Compact AV
Prenatal class
Not yet confirmed
- Additional monthly premium
- €10.50
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
Standaard AV
Prenatal class
Not yet confirmed
- Additional monthly premium
- €28.50
Other reimbursements
- Copayment for postpartum care
- 50%
- Copayment for childbirth without medical indication
- 50%
Jongeren AV
Prenatal class
Not yet confirmed
- Additional monthly premium
- €12.75
Other reimbursements
- Copayment for postpartum care
- Not covered
- Copayment for childbirth without medical indication
- Not yet confirmed
Uitgebreide AV
Prenatal class
Not yet confirmed
- Additional monthly premium
- €53.00
Other reimbursements
- Copayment for postpartum care
- 100%
- Copayment for childbirth without medical indication
- 100%
Extra Uitgebreide AV
Prenatal class
Not yet confirmed
- Additional monthly premium
- €73.00
Other reimbursements
- Copayment for postpartum care
- 100%
- Copayment for childbirth without medical indication
- 100%
In the Netherlands, your basic health insurance covers many pregnancy and childbirth-related care services. However, you may still be left with some out-of-pocket costs. This depends, among other things, on the care you receive, where you give birth, and the agreements between your insurer and your healthcare provider.
What care is included in basic health insurance?
Midwifery care and medically necessary care related to childbirth are covered by basic health insurance. Postpartum care is also covered. There is no mandatory deductible for midwifery care and postpartum care. However, a copayment may apply. Related care, such as certain medications or laboratory tests, may be subject to the deductible. See the Zorginstituut’s explanation of midwifery care and postpartum care.
A prenatal class is not covered by basic insurance. Some supplemental plans reimburse a class under certain conditions. De Verloskundige describes which pregnancy-related costs may be reimbursed.
What might I have to pay out of pocket?
Be sure to review these three parts of your policy:
- The statutory copayment for postpartum care.
- The copayment for a hospital delivery without a medical indication. There are exceptions; ask which situation applies to you.
- Care or classes that fall outside your coverage, exceed a maximum amount, or do not meet the conditions.
Also check whether your midwife, hospital, and postpartum care organization have a contract for the relevant year. A partial reimbursement for non-contracted care is different from a statutory copayment.
What’s the best health insurance plan if I’m pregnant?
There’s no single plan that’s best for every pregnant woman. Start by considering your own needs: where do you want to give birth, which healthcare providers do you want to be able to choose, and what additional care do you expect to use? Then compare the annual premium with the costs that a supplemental plan actually covers for you.
A high course budget alone is not a sufficient reason to choose a more expensive plan. Check whether both the course and the provider meet the eligibility requirements, and whether you’ll have to share the budget with other healthcare costs.
How do I choose for 2027?
Check which insurance year applies to your healthcare and classes. If you’re currently undergoing treatment, the start date may be relevant; for classes, the insurer may have its own rules regarding dates. Don’t automatically carry over amounts from 2026.
Not all supplemental coverage terms will be available on November 12. Zilveren Kruis and FBTO have set November 19 as the deadline for their supplemental insurance plans. Before making a decision, check both the premium and the terms for 2027.
Also read how to check coverage for a prenatal class.
Prepare for Childbirth as Well
Once you know what care you can use, you can focus on your preparations. Check out the content of the Future Mom Academy online prenatal class. Ask your insurer separately whether this course is covered under your plan.
Questions about health insurance
Is a prenatal class covered?
Check the budget, the terms for online courses, and the requirements for the provider. Here’s how to check for reimbursement of a prenatal class.
Health Insurance and PregnancyDo you need supplemental insurance if you’re pregnant?
Compare the additional annual premium with potential reimbursements for maternity care, childbirth, and classes. Read the terms and conditions to see what you need to look out for.
Health Insurance and PregnancyDeductible and copayment during pregnancy: what’s the difference?
There is no mandatory deductible for midwifery care, but a copayment may sometimes apply. Read about the difference and which costs you need to check.
Take the first step in your preparation
Meet Geke and hear her explain. Start for free; you can choose to purchase the full course later.
