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(In Dutch only)
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 does not depend on your age. Each basic insurance covers, among other things:
You have chosen a collective.
Discount is included
View the basic healthcare insurance cards (in Dutch only)
Zilveren Kruis is the leading collective healthcare insurer. We offer you more than 15.000 collectives for employees for example. We also have collective insurances for sports associations and member organizations
Learn more about collective insurances
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.
Children younger than 18 are co-insured for the basic and supplementary insurances. You don't pay premium for them. The excess doesn't apply to children younger than 18, however the statutory contribution sometimes applies. Do you or your partner have supplementary insurance? Your children will also receive the same supplementary package as the parent with the most extensive supplementary package.
The excess for 2018 is € 385. This means that you will pay the an amount of € 385 first before the basic insurance reimburses medical costs. The excess applies per calendar year and only to the basic insurance. The excess doesn't apply to, among other things:
You can increase your voluntary excess for 2018 up to a maximum of € 885 for a lower insurance premium. However, you will pay a higher amount for medical costs.
View below what you will save on your insurance premium with a higher excess.
View whether the care required is reimbursed