Claim your bills

If you have healthcare bills, you can easily submit them via the Zilveren Kruis app, Mijn Zilveren Kruis or even by post. Whatever is easiest for you.

Choose how you want to claim

Take a photo to submit the bill
On average paid out the following working day
Claim your bills safely

Download the app and discover the ease of use

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More about the Zilveren Kruis app

Claims reimbursed the following working day
Just scan your bill. No need to print or post it
Always access to current used healthcare and the latest claims overviews

To Mijn Zilveren Kruis View your excess

Claims are paid out the following working day

At Zilveren Kruis you never have to wait long for your money. Submit your claims quickly and easily via Mijn Zilveren Kruis or the app and have them paid out the following working day. Claims submitted by post are paid out within 10 working days.

If you submit your bills digitally (via the app or Mijn Zilveren Kruis), then keep the original bill for up to 2 years as we may ask for it.

Heirs, administrators and cross-border workers submit costs with the online claims form (in Dutch only).

Or you submit your claims by post

Send the original bill(s) in a stamped envelope to the address mentioned below and you’ll receive your reimbursement and claims overview within 10 working days. Zilveren Kruis does not have special claim envelopes.

Zilveren Kruis
Afdeling Declaratieservice
Postbus 70001
3000 KB Rotterdam

Good to know when you’re submitting bills

Submit your bill after completing your treatment or course. Any bills submitted in advance will not be reimbursed.
We can only process complete and legible claims. Please check that the following information is included on the bill?

insurance number, date of birth, name and address of the person who had treatment
the description and the date of the treatment and the name of the product
the details of the care provider including the AGB-code and performance code ('prestatiecode'). In Dutch only
the professional association, branch organisation or quality register to which your care provider belongs to

If any information is missing, please ask your care provider for a new bill. Only add your insurance number to the bill.

Claim costs for transport, personal care allowance or medical costs made abroad

Submit costs for transport, personal care allowance and medical costs made abroad with special claim forms. We even have special claims forms for certain collective reimbursements. All these claims take longer to process.

Medical costs made abroad

If you received medical treatment abroad, please use the corresponding claims form to submit your claims via Mijn Zilveren Kruis.

Claim costs made abroad

Transport costs

If you have our prior permission to claim transport cost, please use the corresponding claim form. Further information in Dutch only.

Claim transport costs

Other claim forms

There are other claims forms, such as for a personal care allowance (pgb) or certain collective reimbursements. Further information in Dutch only.

To all claim forms

Frequently asked questions

Can you pay out the reimbursement to a different account number just this once?

Unfortunately, that isn’t possible. However, you can modify your account number in Mijn Zilveren Kruis so that we use it, or you can inform one of our customer service agents the new number.

Please don’t write your new account number on the bill.

What is the timeframe for submitting a claim?

Please don't save all your bills until the end of the year but submit them as soon as possible. If you submit your claim more than 12 months after the treatment date, the amount you receive may less than what you are entitled. Bills submitted 3 years after treatment or received health care won’t be paid.

When should I submit a claim with my previous healthcare insurer?

The date of treatment or the supply date determines where your claim should be sent, not the date of the bill. For example, if you had treatment on the 14^th of November for example, and you were insured elsewhere, you can submit your claim to them.

If the bill relates to a diagnosis-treatment-combination (diagnose-behandelcombinatie (dbc)) for hospital treatment, the date on which treatment started is the relevant date for submitting your claim. Further information in Dutch only.

I’ve had an accident, can I claim for damages?

If you have been injured in an accident caused by someone else, we may be able to reclaim the damages such as high ambulance and hospital costs.

Please contact us via the online form ‘Report your accident’ (meld uw ongeval). Further information in Dutch only.

What does my claims overview say?

Your claims overview shows the claims you have made, your excess and what has been paid out or what you owe us. Find out more about your ‘claims overview’ (declaratieoverzicht). Further information in Dutch only.