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.
A prenatal course is not covered by basic insurance. However, supplemental insurance may offer coverage. The name of your insurer alone is not enough; you’ll need the plan details, the insurance year, and the terms and conditions. De Verloskundige explains this distinction.
What should I look for in my insurance plan?
Search the Dutch terms and conditions for “zwangerschapscursus” (pregnancy class), “bevallingscursus” (childbirth class), and, if applicable, “preventiecursus” (prevention class). Note the maximum amount, the reimbursement percentage, and the period for which the budget applies. An amount per calendar year works differently than an amount per pregnancy.
Next, check whether the budget is shared with other classes or healthcare services. If you’ve already used part of it for those, there may be less reimbursement available. “Up to €100” does not mean that every participant receives €100: the actual costs and policy terms also factor in.
Are online courses also covered?
That varies by insurer and plan. For example: the CZ terms and conditions for childbirth classes in 2026 also allow for online courses, but set requirements regarding, among other things, the content, the provider, and the timing. You can submit a claim after the last day of the course, with proof of participation. This example does not constitute confirmation of coverage in 2027. Other policies have different requirements. ONVZ specifies which courses are eligible for prevention courses in 2026. The fact that a course is about pregnancy is therefore not sufficient on its own.
Is the Future Mom Academy course covered?
The FMA course is taught by a qualified, BIG-registered midwife. Whether you’ll be reimbursed for the course is determined by your health insurer based on your plan and its terms. BIG registration alone does not guarantee reimbursement. Check with your insurer before purchasing.
You can send your insurer the following question:
“Does my [plan name] coverage for [year] cover the Future Mom Academy online pregnancy course? The course can be found at https://www.futuremomacademy.nl/en/courses/online-pregnancy-course. What is the maximum reimbursement amount, what date determines the insurance year, and what supporting documents do I need to submit?”
Before sending the inquiry, verify the current course link and include the course description if necessary. Request a written response and keep it with your invoice.
See also when supplemental insurance may be beneficial.
What documents do I need?
Before purchasing, check what information must be included on the invoice and whether the insurer also requires a certificate of participation. Verify when you can submit a claim and who must be listed as the participant. Contact FMA if you want to know which documents are available for the course; do not assume that every requested document will be provided automatically.
Then review the content of the FMA course. This will help you assess whether the course aligns with what you want to learn, while giving you a clear picture of any costs you may have to cover yourself.
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%
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.
