Learn more about how our healthcare insurance works.
We think that health is the most important thing there is and the overall picture consists of body and mind, but relationships and environment also have an influence. We believe that a health lifestyle is very important and when you need care, you want to be able to go to the right care provider quickly.
We offer 3 basic healthcare insurances
We offer 3 basic healthcare insurancesBasic insurance is mandatory in the Netherlands and the government determines which care is included in the basic packages. There are, however, differences in the basic insurances of Zilveren Kruis this is due to the possibility to choice between care providers and how the service is provided.
Basis Budget
Receive 100% reimbursem*nt at a limited number of selected hospitalsand at any care provider with a contract
Receive 75% reimbursem*nt of the average contracted rate at care providers without a contract
without collective discount
€ {premie.zvwl.leeftijd.18}
p/m in 2024
Choose Basis BudgetOr learn more about the basic insurance
Basis Zeker
Receive 100% reimbursem*nt at all contracted hospitals and all care providers with a contract
Receive 75% reimbursem*nt of the average contracted rate at care providers without a contract
without collective discount
€ {premie.zvw.leeftijd.18}
p/m in 2024
Choose Basis ZekerOr learn more about the basic insurance
Basis Exclusief
Receive 100% reimbursem*nt at any hospital and all care providers
85% reimbursem*nt of the average contracted rate at non-contracted mental health care and district nursing and other 100%
without collective discount
€ {premie.zvwh.leeftijd.18}
p/m in 2024
Choose Basis ExclusiefOr learn more about the basic insurance
More of our basic insurances (Dutch only)
More about basic insurance
In Dutch only
- View policy terms and conditions
- Compare basic insurances of Achmea
View the characteristics of your insurance
In Dutch only
- Health insurance card Basis Budget
- Health insurance card Basis Zeker
- Health insurance card Basis Exclusief
You can count on us to provide:
- Insight into your care costs with the Zilveren Kruis app
- A personal touch, such as the assistance from the Care Coaches
- New in 2023: you can submit a claim before noon and have it reimbursed the next day
- Insight into your health with the TotaalCheck (in Dutch only)
Our 5 supplementary insurances
Our 5 supplementary insurancesA supplementary insurance can be a good addition to basic insurance if you need extra care such as physiotherapy for example, or if you want to be well insured for medical costs abroad.
- You can choose from 5 supplementary insurances: the more stars, the more extensive the coverage
- Additional reimbursem*nts for e.g. physiotherapy, contraception, spectacles and contact lenses
- Extra reimbursem*nts for a healthier lifestyle. Think of sleep improvement or eating healthier
The premium differs per age. Choose an age category to view the premium.
- age 18 to 29
- 30 and over
Basis Plus Module
{colkorting.av0}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
no reimbursem*nt
-
Contraception from the age of 21:
no reimbursem*nt
-
Spectacles and contact lenses:
no reimbursem*nt
-
Physiotherapy:
no reimbursem*nt
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av0.leeftijd.18}
p/m in 2024
Choose Basis Plus ModuleAanvullend
{colkorting.av1}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
no reimbursem*nt
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
no reimbursem*nt
-
Physiotherapy from the age of 18:
9 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av1.leeftijd.18}
p/m in 2024
Choose Aanvullend 1 starAanvullend
{colkorting.av2}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 250 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 100 per 3 calendar years
-
Physiotherapy from the age of 18:
12 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av2.leeftijd.18}
p/m in 2024
Choose Aanvullend 2 starsAanvullend
{colkorting.av3}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 450 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 150 per 3 calendar years
-
Physiotherapy from the age of 18:
27 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av3.leeftijd.18}
p/m in 2024
Choose Aanvullend 3 starsAanvullend
{colkorting.av4}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 650 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 250 per 3 calendar years
-
Physiotherapy from the age of 18:
36 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av4.leeftijd.18}
p/m in 2024
Choose Aanvullend 4 stars
Basis Plus Module
{colkorting.av0}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
no reimbursem*nt
-
Contraception from the age of 21:
no reimbursem*nt
-
Spectacles and contact lenses:
no reimbursem*nt
-
Physiotherapy:
no reimbursem*nt
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av0.leeftijd.30}
p/m in 2024
Choose Basis Plus ModuleAanvullend
{colkorting.av1}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
no reimbursem*nt
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
no reimbursem*nt
-
Physiotherapy from the age of 18:
9 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av1.leeftijd.30}
p/m in 2024
Choose Aanvullend 1 starAanvullend
{colkorting.av2}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 250 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 100 per 3 calendar years
-
Physiotherapy from the age of 18:
12 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av2.leeftijd.30}
p/m in 2024
Choose Aanvullend 2 starsAanvullend
{colkorting.av3}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 450 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 150 per 3 calendar years
-
Physiotherapy from the age of 18:
27 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av3.leeftijd.30}
p/m in 2024
Choose Aanvullend 3 starsAanvullend
{colkorting.av4}% collective discount
The most important reimbursem*nts
-
Alternative medicine:
€ 450 per calendar year
-
Contraception from the age of 21:
100%
-
Spectacles and contact lenses:
€ 250 per 3 calendar years
-
Physiotherapy from the age of 18:
36 physiotherapy sessions per calendar year
-
Emergency medical treatment abroad:
100% of the rate charged abroad
-
Repatriation:
100%
-
Dental care required as a result of an accident:
€ 10,000
without collective discount
€ {premie.av4.leeftijd.30}
p/m in 2024
Choose Aanvullend 4 starsMore about our supplementary insurances
Our 5 dental insurances
Our 5 dental insurancesDo you want 2 check-ups per year, a dental cleaning or root canal treatment? We know that it's not a very pleasant form of treatment, but important and Zilveren Kruis offers dental insurances that, sometimes partially, cover these costs.
- You can choose from 5 dental insurances: the more stars, the more extensive the coverage
- Find out what is covered in the reimbursem*nt overview (in Dutch only)
The premium differs per age. Choose an age category to view the premium.
- 18 t/m 29 jaar
- 30 jaar of ouder
Tand Basis
Check-up + dental cleaningSmall dental filling or tooth extraction
without collective discount
€ {premie.tv6.leeftijd.18}
p/m in 2024
Choose Tand BasisTand
Up to €250 per year
without collective discount
€ {premie.tv1.leeftijd.18}
p/m in 2024
Choose Tand 1 starTand
Up to €500 per year
without collective discount
€ {premie.tv2.leeftijd.18}
p/m in 2024
Choose Tand 2 starsTand
Up to € 1,000 per year
There is a medical acceptance
without collective discount
€ {premie.tv3.leeftijd.18}
p/m in 2024
Choose Tand 3 starsTand
Up to €1,250 per year
There is a medical acceptance
without collective discount
€ {premie.tv4.leeftijd.18}
p/m in 2024
Choose Tand 4 stars
Tand Basis
Check-up + oral hygieneSmall fillings + extraction
from
€ {premie.tv6.leeftijd.30}
p/m in 2024
Choose Tand BasisTand
Up to €250 per year
from
€ {premie.tv1.leeftijd.30}
p/m in 2024
Choose Tand 1 starTand
Up to €500 per year
from
€ {premie.tv2.leeftijd.30}
p/m in 2024
Choose Tand 2 starsTand
Up to € 1,000 per year
There is a medical acceptance
without collective discount
€ {premie.tv3.leeftijd.30}
p/m in 2024
Choose Tand 3 starsTand
Up to €1,250 per year
There is a medical acceptance
without collective discount
€ {premie.tv4.leeftijd.30}
p/m in 2024
Choose Tand 4 starsMore about our dental insurances
Zilveren Kruis, ZieZo: what’s the difference?
At Zilveren Kruis there is lot's to choose from and you can, for example, choose a wider choice of care providers. You decide whether you want to order medical devices online or pick them up from the shop. Also we have a wider choice of supplementary and dental insurances and if you don't need extensive supplementary insurance, then ZieZo might be the best choice for you.
This is what Zilveren Kruis offers
- You decide whether you want insurance with a limited, broad or unlimited choice of hospitals in the Netherlands.
- You can arrange healthcare matters online through Mijn Zilveren Kruis or our app.
- Order medicine online or at the pharmacy. You can do this through any contracted pharmacy.
- Order medical devices online or from the shop. You can do this through any contracted suppliers.
- Broader choice of supplementary insurance and dental insurance.
- You have the option to insure yourself through a collective and receive a discount on your premium and you have extra reimbursem*nts.
- Zilveren Kruis offers basic restitution insurance with which you can go to any healthcare provider.
This is what ZieZo offers
- You decide whether you want insurance with a broad or limited choice of hospitals.
- You can arrange healthcare matters online through Mijn Zilveren Kruis or our app. You can contact us through chat and WhatsApp.
- You should preferably order medicines online from a contracted pharmacy.
- Some medical devices can only be ordered online, through a small number of suppliers.
- You can choose from 2 supplementary insurance policies and 1 dental insurance policy.
- No reimbursem*nt for maternity care or orthodontic care.
Are you aware of our apps?
Zilveren Kruis app
Do you have health insurance with Zilveren Kruis or ZieZo? The Zilveren Kruis app gives you access to everything related to your health insurance. Anytime, anywhere. So you can quickly find what you are looking for. Is this something for you?
Zilveren Kruis Wijzer
Do you have a question about your health or are you worried about something? Then you can ask questions about your health in Zilveren Kruis Wijzer, even if you have doubts about whether you need to see a care provider. This applies whether you are at home or when you are travelling. If you start a chat, a nurse will give you advice and help you via the chat wherever and whenever it suits you best.
Also you can get started with questions about physical exercises to improve your complaints. Answer a number of questions and receive advice directly from a physical therapist. More information available in Dutch only.
Actify-app
Step-by-step the Actify-app helps you to a healthier lifestyle. The app coaches you with practical tips, tasty recipes, a pedometer, inspiration and meditation. You can choose what suits you. More information is available in Dutch only.
6 reasons to believe in Zilveren Kruis
1. Health insurer of 3.8 million people in the Netherlands
As one of the largest health insurers, we can make economies of scale when paying for healthcare. These savings are passed on to you.
2. A 7.8 rating on Independer
That’s something we’re very proud of! What our clients value the most is our fast telephone response times, and our Care Coaches.
3. Lots of reimbursem*nts, lots of choice
From physiotherapy to alternative therapies, there’s a good chance we reimburse for the care that you need. With 3 basic policies, 5 supplementary policies and 5 dental policies, Zilveren Kruis always has a package that suits your needs.
4. Lots of extras in your health insurance
The Zilveren Kruis app to arrange your healthcare matters and the Actify-app to lead a healthier lifestyle: our health insurance has it all.
5. Your claim paid within 2 working days
Most of the time, we pay the healthcare provider direct. Did you pay the bill yourself, then we will reimburse the costs within 2 working days.
6. Top 3 sustainable health insurer
As a part of Achmea, we take sustainability seriously. For example, we do not invest in companies that have a lot of CO2 emissions.
Frequently asked question
Yes, you can choose your hospital and doctor. But note: not all treatments are reimbursed 100% in every hospital.
The number of hospitals and doctors you can go to depends on your insurance.
- With the Basis Budget, you can go to a selected number of hospitals and a wide range of care providers.
- With the Basis Zeker, you can go to a wide range of hospitals and wide range of care providers.
- With the Basis Exclusief, you can go to any hospital or care provider.
Through our medical care provider search tool(zorgzoeker) you can find out which hospital or doctor you can go to.
A collective insurance is an insurance for a group of people such as a company or an association. The insurance premium is therefore competitive.
We have good agreements with most employers and branch organisations in the Netherlands about collective insurance for employees or members. These agreements also apply to many sports clubs or membership organisationsfor the elderly. Even as a student, you are entitled to a collective insurance. The level of discount depends on the your collective.
You can find your possible collective advantages with our collective insurance.
All you have to do is take out healthcare insurance with us. We will cancel your current insurance on your behalf. You don’t have to do a thing.
Yes you can if you prefer to do this by mail. Use one of the following application forms:
- healthcare insurance application form (pdf)
- dental insurance application form (pdf)
The level of your premium depends on a number of things:
The type of insurance
Each insurance package has its own price. The Basis Budget (with a selected number of hospitals you can visit) is cheaper than the Basis Exclusief (with which you can visit any hospital). The Basis Budget (with a selected number of hospitals you can visit) is cheaper than the Basis Exclusief (with which you can visit any hospital). In addition to the basic insurance, you could choose a supplementary or a dental insurance. Different combinations have different premiums.
The level of your excess
The higher the excess, the more discount you get on your insurance premium. Please note, a higher excess means you would have to pay more out of your own pocket if you use care from your basic health insurance.
Collective discount
When you take part in collective healthcare insurance, via your employer for example, you can get discount on your insurance premium for supplementary and dental insurances. The level of discount depends on your collective.
Calculate your premium
We do our best to give you an answer as soon as possible. Find out what our agreements are about the response time(reactietermijnen) of your question, complaint, comment or suggestion(in Dutch only).
7.7 on Independer
3.4 million customers preceded you
4.5 reviews in the App Store
