Supplementary insurance

The basic insurance doesn't cover all medical costs. For that reason we have supplementary insurance.
Supplementary insurance is advisable for specific medical costs or for more insurance.


We offer 5 supplementary insurances

The more stars, the more extensive the coverage

Basis Plus Module

€ 2,95

1 star

€ 6.55

2 stars

€ 15.95

3 stars

€ 24.95

4 stars

€ 45.95

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 organisations. Advantages of collective healthcare insurance:

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


Learn more about collective insurances

Good to know about the supplementary insurance

  • The mandatory excess doesn't apply
  • At Zilveren Kruis your children up to 18 are co-insured with the highest supplementary insurance of the parent(s)
  • The premium doesn't depend on your medical needs

The Basis Plus Module: especially for unexpected costs

Is a supplementary insurance too extensive for you, but you wish to insure yourself against unexpected high costs? Then choose the Basis Plus Module.

The Basis Plus Module also covers:
  • Reimbursement of personal contribution for medicines
  • Dental costs after an accident
  • 100% reimbursement for urgent medical care abroad

Basis Plus Module

€ 2.95 p/m

Learn more about the Basis Plus Module

Frequently asked questions

No, the excess doesn't apply to health care covered by the supplementary insurance. We would like to explain more about the excess.                       
No, you can't change your supplementary insurance year-round.
For 2018, you can change it up to 1 February 2018. The change will be effective from 1 January 2018.

Change your insurance (in Dutch only)
No, medical selection applies only to the dental insurance with 3 and 4 stars.

Calculate your premium
Yes, you will receive discount on your supplementary insurance premium. The level of discount depends on the collective scheme.

Find your possible collective advantages in our collective search tool.
It is advisable to take out supplementary insurance if you expect specific health care treatment. Orthodontic treatment or physiotherapy for example.

It is after all your personal choice. On our website you can find out what kind of reimbursements there are Vergoedingen (in Dutch only).
It will help you to find the most suitable insurance for you and whether or not extra coverage beneficial.
No, you cannot take out supplementary or dental insurances if you have premium arrears.