Frisian Heritage

FBTO Zorgverzekering

by FBTO

★★★★☆4(1,098 reviews)

FBTO is a direct Dutch health insurer with Frisian heritage, offering simple, competitively priced statutory and supplemental coverage backed by ASR Group.

Monthly Premium

€113 - €175

Deductible

€385

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Simple product design
✓ASR Group financial backing
✓Competitive pricing
✓Good Frisian region network

Cons

✗Limited supplemental options
✗Less digital innovation

Editorial Review

“FBTO's Frisian simplicity and ASR backing deliver a no-nonsense health proposition at a competitive Dutch price.”

— Leeuwarder Courant Financiën 2025

Key Highlights

✓Frisian region roots
✓Simple product design
✓ASR Group backed

Quick Summary

ProviderFBTO

CountryNetherlands

Rating4/5

Reviews1,098

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