FBTO health insurance

Friese Boeren en Tuinders Onderlinge (FBTO) was founded in 1956. Today FBTO belongs to Achmea, which is one of the larger insurance providers in the Netherlands. FBTO currently has more than 500,000 customers who contracted their services. At FBTO, the customer can choose from many different insurance policies at low premiums.

Website of FBTO

FBTO health insurance policies 2024

Use our tool to explorer all heath insurance plans of FBTO.

FBTO health insurance premium overview
Year Refund Nature
2023 €141.95 €138.95
2022 €132.95 €125.95
2021 €128.50 €122.50
2020 €120.50 €116.95
2019 €117.50 €109.95
2018 €109.95 €105.50
2017 €108.50 €103.50
2016 €99.95 €94.25
2015 €98.00 €92.00
2014 €- €88.50
2013 €- €96.75
2012 €- €96.75
2011 €- €95.00

Advantages FBTO for students

  • Separate additional modules so you can only choose the care you need. In addition, you can switch the modules on/off (abroad, dental, etc.) until January 31st. You can activate the modules Ongevallen, Tand Ongeval and Zorg in het Buitenland throughout the year.
  • Various useful e-health apps that you can use.

Disadvantages FBTO for students

  • FBTO has a relatively higher premium for basic insurance;
  • Do you opt for the ‘natura’ policy? Please note that you will be reimbursed up to 75% of the healthcare costs with care providers who are not under contract.


Additional Packages

FBTO offers several additional modules that you can take out on top of your basic package. This way, you can choose exactly the care that you need. You can switch these modules on and off until January 31st, and you can even switch certain modules on all year round. For some modules, you can only take out these at the same time as the basic insurance.

Alternatieve Geneeswijzen

Via the Module Alternatieve Geneeswijzen you will be reimbursed for alternative treatments and medicines. The reimbursement is subject to a maximum amount per year and only applies to registered medicines and recognized practitioners. This module has no waiting time.


Are you planning to go abroad? The Abroad module insures you against all costs for emergency care in other countries and reimburses you for vaccinations.


The accident module has extensive accident coverage and reimburses a subscription to the Eurocross Assistance emergency center. This module has no waiting time.


The module Facial Care and Orthodontics is an extensive package. It offers reimbursements for, among other things, orthodontics, acne treatment, glasses or contact lenses and electrical hair removal.

Spieren & Gewrichten

Via the module Muscles & Joints you can be reimbursed for paramedical care, such as physiotherapy or exercise therapy.

Conditie & Fitheid

The module Condition & Fitness offers compensation for, among other things, a preventive health test, personal training, sports massages, online weight loss program ‘Happy Weight’ and mindfulness training. You can also receive reimbursement for informal care. There is no waiting time for this module.


The Dental module reimburses costs that you incur at the dentist and oral hygienist. Orthodontics is not covered here. You choose the amount you want to insure yourself. You can only take out the dental module at the same time as the basic insurance of FBTO.

Students and FBTO

The health insurer FBTO does not offer a special discount or age discount for students.

Additional services FBTO

You can contact customer service through FBTO’s webcare on Twitter: @FBTOwebcare and Facebook: Facebook.com/fbto.

Cortings at FBTO

If you have taken out student health insurance with FBTO, you are entitled to various nice discounts.

Glasses and contact lenses

For example, at Specsavers Opticians you will receive attractive discounts on the purchase of your lenses or glasses. For an overview of all discounts, please visit the FBTO website.

Contact details FBTO

Information and contact
Contact Information
Chat Weekdays from 8:00 AM to 9:00 PM and on Saturdays from 9:00 AM to 4:30 PM.
Post PO Box 318, 8901 BC Leeuwarden
Facebook Facebook.com/FBTO
Facebook @FBTO

Website of FBTO

Sustainability FBTO

How can FBTO’s investment policy be assessed? The VBDO (Association of Investors for Sustainable Development) has published a benchmark study. In the survey ‘Responsible Investment by Insurance Companies in the Netherlands 2019’, FBTO has a score of 3.5 on a scale of 1 to 5. The policy implications for society and the environment are examined, among other things.

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