FBTO review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
FBTO is an insurer built around health cover for expats, then adding auto, travel, home, motorcycle and life policies. It suits people who want a single insurer for several kinds of cover. Premium from €148.75, with an optional excess starting at €200.
Key facts
- Best for
- A single Dutch insurer for expats who need health cover plus other personal policies.
- Premium from
- €148.75↗
- Insurance types
- Health, Auto, Travel, Home, Motorcycle, Life↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €200↗
- Cover limit
- EUR 250 per year for the Tand Basis dental module, 75% reimbursed↗
- Claims channels
- Online, App, Phone, Chat, Whatsapp↗
- Legal entity
- Achmea B.V.↗
- Headquarters
- Netherlands↗
- Founded
- 1956↗
- Support channels
- Chat, Phone, Help-centre↗
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- fbto.nl
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- A single insurer covers health, auto and travel policies, so health, car, home, travel, life and motorcycle cover can sit with the same provider.
- Premiums start at €148.75 and monthly payments are available, which spreads the health premium across the year.
- Claims can be filed online, app and phone, including online and through the app.
- The legal entity is Achmea B.V. and the brand has written personal insurance since 1956.
Cons
- The optional excess starts at €200, so a lower premium means keeping more of each claim to pay yourself.
- Support runs on chat, phone and help centre only, with no counter service.
- The cost score of 1.3 is the weak point, and premium from €148.75 is high against the ranking median of €7.95.
Who it suits
- Expats in the Netherlands who need health cover first and other policies from the same insurer.
- People who like digital handling, since claims can be filed online, app and phone.
- Households comfortable paying a higher entry price for broad cover, with premium from €148.75.
Who should look elsewhere
- bunq, listed from a premium of €0, and bunq Spain, from €0, are banking choices rather than the personal insurance cover reviewed here.
- Linxea, from €25, fits a single savings product, where FBTO carries health, auto, travel, home, motorcycle and life policies together.
Who runs it
FBTO operates under the legal entity Achmea B.V., an insurer based in the Netherlands. The company has been writing personal insurance since 1956, which gives it a long record across Dutch health, auto, travel, home, motorcycle and life policies. Customer support runs on chat, phone and help centre, so help arrives by chat or phone, with a help centre for policy questions.
How FBTO compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7Premium from €25, a cheaper entry point for a single savings product.
9.2 vs 9.0
9.2 vs 8.8Premium from €0, a banking offer rather than the insurance policies here.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
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9.2 vs 9.4
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9.2 vs 9.2
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9.2 vs 9.2
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9.2 vs 9.1
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9.2 vs 9.1
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
Where FBTO is available
- Available
- Netherlands
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kinds of insurance does FBTO sell?+
FBTO sells health, auto and travel policies under a single name. The health plan sits alongside car, home, travel, motorcycle and life cover, which suits households or expats who would rather deal with a single insurer than a separate provider for each risk.
What is the entry premium?+
Health cover starts at €148.75. Against the brands ranked on premium from, that sits well above the ranking median of €7.95. The cost score of 1.3 reflects that gap, so shoppers on a tight budget should look elsewhere first.
Can I pay the premium monthly?+
Monthly payments are available, and the payment model is monthly. That spreads the health premium across the year rather than a single payment, which suits expats living on monthly income or anyone who prefers a smaller regular outflow while they compare cover levels.
Is there an excess to pay on a claim?+
An excess of €200 applies on claims, which is money you cover yourself before the insurer pays. Accepting a higher excess is the usual trade for a lower premium, and it suits people whose claims are infrequent rather than regular.
Who is the health plan aimed at?+
The stated audience is expats, so the health plan is built around people who have moved to the Netherlands and need cover that fits life abroad. The wider policies, health, auto and travel, let the same household keep car, home and travel cover with the same insurer.
How do I make a claim?+
Claims can be filed online, app and phone, so a claim can start online, in the app, by phone, over chat or on WhatsApp. Filing digitally suits anyone who would rather not phone during office hours, while phone and chat keep a person on the other end when a claim needs explaining.
Is dental cover included?+
Dental is part of the health offering: the Tand Basis dental module sets a yearly cap on dental costs and reimburses most of the bill. It sits alongside the wider health, auto and travel policies rather than replacing them, and anyone who visits a dentist often should check that cap before committing.
Sources
- fbto.nl checked September 26, 2026
Backs: Insurance types
“Zorgverzekering, Autoverzekering, Reisverzekering, Woonverzekeringen, Motorverzekering, Overlijdensrisicoverzekering”
- fbto.nl/over-ons/geschiedenis checked September 26, 2026
Backs: Founded
“We gaan terug naar 1956. In dat jaar is FBTO bedacht door 4 Friese boeren en tuinders”
- fbto.nl/over-ons/privacy checked September 26, 2026
Backs: Legal entity
- fbto.nl/verzekeringen/contact checked September 26, 2026
Backs: Claims channels, Headquarters, Support channels
- fbto.nl/zorgverzekering checked September 26, 2026
Backs: Audience, Cover limit, Provider type, Premium from
“Tand Basis: 75% vergoedt tot € 250,-”
- fbto.nl/zorgverzekering/zorgpremie checked September 26, 2026
Backs: Excess from, Pricing model, Monthly payments
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
FBTO
A single Dutch insurer for expats who need health cover plus other personal policies.