Our basic insurance

The basic insurance is mandatory in the Netherlands. The government determines what is covered and is the same with each healthcare insurer. The basic insurance premium is not age-dependent. Each basic insurance covers, among other things:

  • General practitioner (GP)
  • Medical specialists
  • Pharmaceuticals
  • Patient transport
  • Obstetric care
  • Maternity care

We have 3 basic healthcare insurances

Basis Budget

Visit a limited number
and a wider choice of selected
other care providers in the Netherlands

€ 104.95

Basis Zeker

You can visit any
and a wider choice of
other care providers in the Netherlands

€ 117.45

Basis Exclusief

You can visit any
and care provider in the Netherlands

€ 121.75

Emergency? Receive 100% reimbursement for your treatment in any hospital. Even with the least expensive basis insurance.

The higher the excess, the lower the insurance premium

You can increase your voluntary excess for 2017 up to a maximum of € 885. You will, however, pay a higher amount for medical costs.

View below what you will save on your insurance premium with a higher excess.

Save up to € 0 per month
Learn more about the excess

Discount on your insurance premium via your employer?

Zilveren Kruis is the leading collective healthcare insurer. More than 15.000 employers have arranged collective healthcare insurance with us for their employees. We also have collective insurances for sports associations and member organizations.

Advantages of collective healthcare insurance:

  • Discount on your premium for your partner and children as well
  • Often extra reimbursements

Find a collective
Or learn more about collective insurances



We offer 5 supplementary insurance

The more stars, the more extensive the reimbursement

Basis Plus Module


1 star

€ 6.55

2 stars

€ 15.95

3 stars

€ 24.95

4 stars

€ 45.95

Read more about the supplementary insurances

We offer 5 dental insurances

The more stars, the higher the maxiumum reimbursement per year.

Tand Basis

  • Assessment + dental cleaning
  • Small dental filling or tooth extraction

1 star

€ 250 per year

€ 12.25

2 stars

€ 500 per year

€ 18.25

3 stars

€ 1000 per year

€ 30.95

4 stars

€ 1250 per year

€ 48.95

Calculate your premium
Or read more about the dental insurances

Last year more than 122,000 people switched to Zilveren Kruis


Switching is easily done: you request a switch by calling us or via this website and
we will arrange the rest. You never pay double premium and you are never uninsured.


Frequently Asked Questions

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 organizations in the Netherlands about collective insurance for employees or members. These agreements also apply to many sport associations and organizations for 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 in our collectiviteitszoeker (collective search tool (in Ducht only)).
All you have to do is to take out healthcare insurance with us. You can sign up online. We will arrange cancellation of your current insurance for you. You don’t have to do a thing
The level of your premium depends on a number of things:

The type of insurance
One insurance package costs more than another. The Basis Budget (with a selected number of hospitals you can visit) is cheaper than the Basis Exclusief (where you can visit any hospital). In addition to the basic insurance, you might choose a supplementary or a dental insurance. Different variations with different premiums.

The level of your excess
It is also possible to increase your excess. What counts is the higher the excess, the more discount on your insurance premium.

Collective discount
You will receive discount on your basic, supplementary and dental insurance if you have collective insurance through your employer for example. The level of your discount depends on your collective.
We do our best to give you an answer as soon as possible. Find out what our agreements are about the response time (reactietermijnen) (in Dutch only) of your question, complaint, comment or suggestion.

86% found this information usefull (based on 14 reviews)