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:

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

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

vanaf
€ 115,95
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

vanaf
€ 125,45
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

vanaf
€ 134,95
p/m
Choose Basis Exclusief
Or learn more about the basic insurance

The higher the excess, the lower the insurance premium

You can increase your voluntary excess for 2020 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 € 4 per month

Learn more about the excess

Save up to € 8 per month

Learn more about the excess

Save up to € 12 per month

Learn more about the excess

Save up to € 16 per month

Learn more about the excess

Save up to € 20 per month

Learn more about the excess

Basis Plus Module for € 2,50 p/m

The Basis Plus Module also covers:

  • Dental care after an accident 
  • Help at home after a hospital stay 

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


from
€ 2,50
p/m
Choose Basis Plus Module

Supplementary

Supplementary

Supplementary

Supplementary

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

€ 7,75
p/m
Choose Tand Basis

Dental


Reimbursement up to €250 per year

from
€ 12,25
p/m
Choose Dental 1 star

Dental


Reimbursement up to €500 per year

from
€ 19,50
p/m
Choose Dental 2 stars

Dental


Reimbursement up to €1000 per year

from
€ 38,75
p/m
Choose Dental 3 stars

Dental


Reimbursement up to €1250 per year

from
€ 57,50
p/m
Choose Dental 4 stars

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.