Zilveren Kruis healthcare insurance

Learn more about how our healthcare insurance works.

Calculate premium

Zilveren Kruis healthcare insurance

Learn more about how our healthcare insurance works.

Calculate premium

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:

We have 3 basic healthcare insurances


Receive 100% reimbursement at a limited number of selected hospitals and at any care provider with a contract

Receive 75% reimbursement of the average contracted rate at care providers without a contract

without collective discount
€ 120.95
p/m
Choose Basis Budget
Or learn more about the basic insurance

Receive 100% reimbursement at at all contracted hospitals and all care providers with a contract

Receive 75% reimbursement of the average contracted rate at care providers without a contract

without collective discount
€ 128.45
p/m
Choose Basis Zeker
Or learn more about the basic insurance

Receive 100% reimbursement at any hospital and all care providers

Receive 100% reimbursement of the prevailing market rate or statutory rate at care providers without at contract

without collective discount
€ 139.95
p/m
Choose Basis Exclusief
Or learn more about the basic insurance

Do you want to know where care is reimbursed 100%?

Then go to our useful medical care provider search tool (zorgzoeker). You will find a clear overview of contracted care providers near you.

To the 'zorgzoeker'

The higher the excess, the lower the insurance premium

You can increase your voluntary excess for 2021 up to a maximum of € 885. You will, however, pay a higher amount for medical costs.

Save up to € 0 per month

Learn more about the excess

  • Save up to € 3.50 per month with Basis Zeker
  • Save up to € 4 per month Basis Budget and Basis Exclusief

Learn more about the excess

  • Save up to € 7 per month with Basis Zeker
  • Save up to € 8 per month with Basis Budget and Basis Exclusief

Learn more about the excess

  • Save up to € 10.50 per month with Basis Zeker
  • Save up to € 12 per month with Basis Budget and Basis Exclusief
Learn more about the excess

 

  • Save up to € 14 per month with Basis Zeker
  • Save up to € 16 per month with Basis Budget and Basis Exclusief
Learn more about the excess

 

  • Save up to € 17.50 per month with Basis Zeker
  • Save up to € 20 per month with Basis Budget and Basis Exclusief
Learn more about the excess

 

Basis Plus Module for € 2,25 p/m

The Basis Plus Module also covers:

  • Dental care after an accident
  • Urgent medical care abroad

Calculate your premium 

Or read more about Basis Plus Module

We offer 5 supplementary insurances

The more stars, the more extensive the reimbursement.

Read more about the supplementary insurances

Basis Plus Module


without collective discount
€ 2.25
p/m
Choose Basis Plus Module

Supplementary


without collective discount
€ 7.75
p/m
Choose Supplementary 1 star

Supplementary


without collective discount
€ 19.50
p/m
Choose Supplementary 2 stars

Supplementary


without collective discount
€ 33.25
p/m
Choose Supplementary 3 stars

Supplementary


without collective discount
€ 58.50
p/m
Choose Supplementary 4 stars

Basis Plus Module


without collective discount
€ 2.25
p/m
Choose Basis Plus Module

Supplementary


without collective discount
€ 8.25
p/m
Choose Supplementary 1 star

Supplementary


without collective discount
€ 20.25
p/m
Choose Supplementary 2 stars

Supplementary


without collective discount
€ 37.25
p/m
Choose Supplementary 3 stars

Supplementary


without collective discount
€ 74.25
p/m
Choose Supplementary 4 stars

Tand Basis for € 7.95 p/m

For a small amount you insure yourself against unexpected high costs. Tand Basis covers among other things:

  • Check-ups + Controle + dental cleaning
  • Small fillings or teeth pulling

We offer 5 dental insurances

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

Read more about the dental insurances

Tand Basis


Assessment + dental cleaning
Small dental filling or tooth extraction

without collective discount
€ 7.95
p/m
Choose Tand Basis

Dental


Up to €250 per year

without collective discount
€ 12.25
p/m
Choose Dental 1 star

Dental


Up to €500 per year

without collective discount
€ 19.95
p/m
Choose Dental 2 stars

Dental


Up to € 1,000 per year

without collective discount
€ 40.50
p/m
Choose Dental 3 stars

Dental


Up to €1,250 per year

without collective discount
€ 59.25
p/m
Choose Dental 4 stars

Tand Basis


Check-up + oral hygiene
Small fillings + extraction

vanaf
€ 7.95
p/m
Calculate your premium

Dental


Up to €250 per year

from
€ 14.95
p/m
Calculate your premium

Dental


Up to €500 per year

from
€ 21.95
p/m
Calculate your premium

Dental


Up to € 1,000 per year

without collective discount
€ 44.50
p/m
Calculate your premium

Dental


Up to €1,250 per year

without collective discount
€ 63.25
p/m
Calculate your premium

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 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 Dutch only)).

All you have to do is to take out healthcare insurance with us. You can sign up online. If you apply before the 31st of December, we will arrange cancellation of your current insurance for you. 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:

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.

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) (in Dutch only) of your question, complaint, comment or suggestion.

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