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
Health is the most important thing there is. And health is an overall picture. It consists of body and mind, but relationships and environment also have an influence. A healthy lifestyle is therefore very important. When you need care, you want to be able to go to the right care provider quickly. You can do that at Zilveren Kruis.

Your healthcare insurance the way you want it

Basic insurances


Basis Budget
€ 120.,95 p/m

Basis Zeker
€ 128.45 p/m

Basis Exclusief
€ 139.95 p/m

Supplementary insurances


Basis Plus Module
€ 2.25 p/m

Aanvullend
€ 7.75 p/m

Aanvullend
€ 19.50 p/m

Aanvullend
€ 33.25 p/m

Aanvullend
€ 58.50 p/m

Dental insurances


Tand Basis
€ 7.95 p/m

Tand
€ 12.25 p/m

Tand
€ 19.95 p/m

Tand
€ 40.50 p/m

Tand
€ 44.50 p/m

Basic insurances


Basis Budget
€ 120.95 p/m

Basis Zeker
€ 128.45 p/m

Basis Exclusief
€ 139.95 p/m

Supplementary insurances


Basis Plus Module
€ 2.25 p/m

Aanvullend
€ 8.25 p/m

Aanvullend
€ 20.25 p/m

Aanvullend
€ 37.25 p/m

Aanvullend
€ 74.25 p/m

Dental insurances


Tand Basis
€ 7.95 p/m

Tand
€ 14.95 p/m

Tand
€ 21.95 p/m

Tand
€ 44.50 p/m

Tand
€ 63.25 p/m

We have 3 basic healthcare insurances

The basic insurance is mandatory in the Netherlands. The government determines which care is included in the basic packages. However, there are differences in the basic insurances of Zilveren Kruis. This is due to the possibility to choose from care providers and how service is provide.

3 types, so something for everyone

  • Limited choice in hospitals and competitive premium for a Basic Budget
  • Or a wide choice in hospitals with a Basis Zeker or Basis Excluslief
  • Wide freedom of choice in other care providers

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

You can count on us;

Our 5 supplementary insurances

A good addition to the basic insurance if need extra care such as physiotherapy for example. Or if you want to be well insurance for medical costs abroad.

  • Choice of 5 supplementary insurances: the more stars, the more extensive the coverage
  • Additional reimbursements for e.g. physiotherapy, contraception, spectacles and contact lenses
  • Extra reimbursements for a healthier lifestyle. Think of sleep improvement or eating healthier

The premium differs per age. Choose a category and view the premium.

Basis Plus Module


without collective discount
€ 2.25
p/m in 2021
Choose Basis Plus Module

Aanvullend


without collective discount
€ 7.75
p/m in 2021
Choose Aanvullend 1 star

Aanvullend


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

Aanvullend


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

Aanvullend


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

Basis Plus Module


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

Aanvullend


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

Aanvullend


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

Aanvullend


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

Aanvullend


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

Our 5 dental insurances

2 check-ups per year, a dental cleaning or root canal treatment? Not very nice, but important. Zilveren Kruis offers dental insurances that (partially) cover these costs.

The premium differs per age. Choose a category and view the premium.

Tand Basis


Check-up + dental cleaning
Small dental filling or tooth extraction

without collective discount
€ 7.95
p/m
Choose Tand Basis

Tand


Up to €250 per year

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

Tand


Up to €500 per year

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

Tand


Up to € 1,000 per year

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

Tand


Up to €1,250 per year

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

Tand Basis


Check-up + oral hygiene
Small fillings + extraction

from
€ 7.95
p/m
Choose Tand Basis

Tand


Up to €250 per year

from
€ 14.95
p/m
Choose Tand 1 star

Tand


Up to €500 per year

from
€ 21.95
p/m
Choose Tand 2 stars

Tand


Up to € 1,000 per year

without collective discount
€ 44.50
p/m
Choose Tand 3 stars

Tand


Up to €1,250 per year

without collective discount
€ 63.25
p/m
Choose Tand 4 stars

Are you aware of our apps?

Discover the ease

Zilveren Kruis-app

Do you have health insurance with Zilveren Kruis or ZieZo? The Zilveren Kruis-app gives you access to everything related to your health insurance. Anytime, anywhere. So you can quickly find what you are looking for. Something for you? Further information available in Dutch only.
More about Zilveren Kruis Wijzer

Zilveren Kruis Wijzer

Do you have questions about your health? For example about skin or stomach problems, COVID or about a medicine you use? With the app Zilveren Kruis Wijzer, you will receive answer from (medical) experts wherever you are. Further information available in Dutch only.
Get started with Actify

Actify-app

The Actify-app helps you step-by-step to a healthier lifestyle. The app coaches you with practical tips, tasty recipes, a pedometer, inspiration and meditation. You choose what suits you. Further information available in Dutch only.

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 take out healthcare insurance with us. You can online. We will cancel your current insurance on your behalf. 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.

Collective discount

When you take part in collective healthcare insurance, via your employer for example, you get discount on your insurance premium for basic insurance, supplementary and dental insurances. The level of discount depends on your collective.

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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