Our supplementary insurances

A good addition to basic insurance. For when you need extra health care or for more certainty.

Calculate your premium
Do you need extra care, such as physiotherapy? Or do you want to be insured for urgent medical care abroad if the costs are higher than in the Netherlands? Our supplementary insurance is a good addition to basic insurance.

You can count on us with

View all our benefits (in Dutch only)

Do you want a different supplementary insurance?

You might want to exercise more next year or take a course. You can easily and quickly change your supplementary insurance online.

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Our supplementary insurances

  • Choice out of multiple 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

You can no longer take out the additional insurance Aanvullend 4 Sterren from the 1st of January 2025. Good to know: If you already have Aanvullend 4 Sterren, you can keep it.

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

Basis Plus Module

{colkorting.av0}% collective discount

The most important reimbursements

  • Alternative medicine:
     no reimbursement

  • Contraception from the age of 21:
     no reimbursement

  • Spectacles and contact lenses:
     no reimbursement

  • Physiotherapy from the age of 18:
     no reimbursement

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av0.leeftijd.18}
p/m in {jaar}
Choose Basis Plus Module

Aanvullend 1 ster

{colkorting.av1}% collective discount

The most important reimbursements

  • Alternative medicine:
     no reimbursement

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     no reimbursement

  • Physiotherapy from the age of 18:
    8 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av1.leeftijd.18}
p/m in {jaar}
Choose Aanvullend 1 star

Aanvullend 2 sterren

{colkorting.av2}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 250 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 100 per 3 calendar years

  • Physiotherapy from the age of 18:
     12 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av2.leeftijd.18}
p/m in {jaar}
Choose Aanvullend 2 stars

Aanvullend 3 sterren

{colkorting.av3}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 450 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 150 per 3 calendar years

  • Physiotherapy from the age of 18:
     22 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av3.leeftijd.18}
p/m in {jaar}
Choose Aanvullend 3 stars
Only for certain collectives

Aanvullend 4 sterren

{colkorting.av4}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 650 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 250 per 3 calendar years

  • Physiotherapy from the age of 18:
     32 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av4.leeftijd.18}
p/m in {jaar}

Basis Plus Module

{colkorting.av0}% collective discount

The most important reimbursements

  • Alternative medicine:
     no reimbursement

  • Contraception from the age of 21:
     no reimbursement

  • Spectacles and contact lenses:
     no reimbursement

  • Physiotherapy:
     no reimbursement

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av0.leeftijd.30}
p/m in {jaar}
Choose Basis Plus Module

Aanvullend 1 ster

{colkorting.av1}% collective discount

The most important reimbursements

  • Alternative medicine:
     no reimbursement

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     no reimbursement

  • Physiotherapy from the age of 18:
    8 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av1.leeftijd.30}
p/m in {jaar}
Choose Aanvullend 1 star

Aanvullend 2 sterren

{colkorting.av2}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 250 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 100 per 3 calendar years

  • Physiotherapy from the age of 18:
     12 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av2.leeftijd.30}
p/m in {jaar}
Choose Aanvullend 2 stars

Aanvullend 3 sterren

{colkorting.av3}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 450 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 150 per 3 calendar years

  • Physiotherapy from the age of 18:
     22 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av3.leeftijd.30}
p/m in {jaar}
Choose Aanvullend 3 stars
Only for certain collectives

Aanvullend 4 sterren

{colkorting.av4}% collective discount

The most important reimbursements

  • Alternative medicine:
     € 450 per calendar year

  • Contraception from the age of 21:
     100%

  • Spectacles and contact lenses:
     € 250 per 3 calendar years

  • Physiotherapy from the age of 18:
     32 physiotherapy sessions per calendar year

  • Emergency medical treatment abroad:
    100% of the rate charged abroad

  • Repatriation:
    100%

  • Dental care required as a result of an accident:
    € 10,000

without collective discount
€ {premie.av4.leeftijd.30}
p/m in {jaar}
Calculate premium

View the characteristics of your insurance in the healthcare insurance cards

In Dutch only
View policy terms and conditions or view the complete reimbursement overview (in Dutch only).
  • You can easily reach, even in the evening
  • Personal communication
  • We will arrange your switch

You can insure this additionally

  • Contraception
  • Alternative treatments and medicines
  • Informal care
  • Spectacles and contact lenses
  • Delivery in hospital at your own request
  • Physiotherapy

Unsure how you are insured?

Log in to Mijn Zilveren Kruis. Here you can see which package you have.

To Mijn Zilveren Kruis
Not yet a DigiD? Find out more about DigiD.

Good to know

  • 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)
  • You don't pay premium for children younger than 18
  • Waiting period of 1 year for the reimbursement for orthodontic treatment up to 18 from Aanvullend 3 or 4 stars (in Dutch only)
  • No medical acceptance (in Dutch only)
  • Ordinary dental costs from age 18 are not reimbursed. View our dental insurances. 

Are you aware of our services?

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. Is this something for you?
Discover the ease

Waiting list mediation

Does your hospital have a waiting list? Thanks to our waiting list mediation you can often get an earlier appointment. Our Care Coaches are there to find out for you! Further information available in Dutch only.
Waiting list mediation

Flexible payment

At ZieZo, we want to make it as easy as possible to pay. You choose on which date your premium is debited or you can postpone the debit of your health care costs once..

Financial affairs

Want to know more about our services?

You can easily submit bills online. In Mijn Zilveren Kruis, you can arrange much more regarding your healthcare insurance. You can easily reach us with our extended opening hours. Further information available in Dutch only.

View our services

 

Frequently asked questions

When is it wise to take out supplementary insurance?

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. Find in our calculate premium the different packages.
It will help you to find the most suitable insurance for you and whether or not extra coverage is beneficial.

Can I change my supplementary insurance throughout the year?

No, unfortunately you can't modify your supplementary insurance year-round. For 2025, you can change it up to the 1st of February 2025 and the modification will take effective from the 1st of January 2025. Terminating is possible but no later than 31st of December 2024.

There are 2 exceptions to modify after 31st of January:

  • Turning 18
  • Sometimes, if you choose a different collective insurance due do to a job change.

Modify your insurance

Can I be refused for supplementary insurance on medical grounds?

No, medical selection applies only to the dental insurance with 3 and 4 stars.

Does the excess apply to my supplementary insurance?

No, the excess doesn't apply to health care covered by the supplementary insurance. We would like to explain more about the excess.

What does waiting period mean?

A waiting period means that you pay premium but are not yet entitled to a reimbursement during a period of time. A waiting period applies to orthodontic treatment. You will not be reimbursed until you have been insured for orthodontics for 1 year. Further information available in Dutch only.

Can I take out supplementary insurance if I have outstanding premium?

No, you cannot take out supplementary or dental insurance if you have outstanding premium.