ZieZo insurance

The low-cost insurance from Zilveren Kruis. With ZieZo, you arrange everything online. That’s how we keep your
premiums low.

Calculate my premium

ZieZo offers 2 basic insurance policies

With our ZieZo Basis basic insurance policy, you will be 100% reimbursed at all hospitals in the Netherlands. Is having a choice of hospitals less important to you? Then you’re better off choosing ZieZo Selectief. Whichever you choose, basic insurance is the same for everyone. The government determines the care that is included.

ZieZo Selectief



100% reimbursement with contracted care providers

100% reimbursement when you order certain medical devices online, from contracted suppliers

maximum 75% 75% reimbursement of the average contracted tariff at all other hospitals and care providers. Or if you obtain medical devices you have to order online by other means.

€ 108.25
per month in 2022
All information about Selectief

ZieZo Basis


100% reimbursement at all hospitals in the Netherlands

100% reimbursement with contracted care providers

100% reimbursement when you order certain medical devices online, from contracted suppliers

maximum 75% reimbursement of the average contracted tariff at all other hospitals and care providers. Or if you obtain medical devices you have to order online by other means.

€ 112.25
per month in 2022
All information about Basis

Excess

If you need regular care, opt for the standard excess of € 385. Do you expect to incur few medical expenses? And do you have € 885 in your savings account for when you need it? Then select a higher excess and pay a lower premium.

Useful info: you don’t pay excess for example, for your GP and care for children under 18.

Check your premium

ZieZo Basis € 112,25 per month in 2022
ZieZo Selectief € 108,25 per month in 2022

ZieZo Basis € 90,25 per month in 2022
ZieZo Selectief € 86,25 per month in 2022

Our supplementary insurance

Our supplementary insurances are a smart addition to your basic insurance. Go on holiday without a care in the world with ZieZo Werelddekking. This gives you extra cover for urgent care abroad. With ZieZo Aanvullend 1 you also get more care reimbursed in the Netherlands. For example for physiotherapy after an injury.

ZieZo Werelddekking


Physiotherapy from the age of 18: no reimbursement

Contraception from the age of 21: no reimbursement

Dental expenses after an accident: no reimbursement

Supplementary cover for up to 100% of the costs of urgent medical care abroad

Repatriation: necessary transport from abroad to the Netherlands in case of illness, injury and death

Online skin cancer check with SkinVision: no reimbursement

Online self-help from Stichting mirro: no reimbursement

€ 1.25
per month in 2022
Choose ZieZo Werelddekking

ZieZo Aanvullend 1


6 physiotherapy sessions per year

Contraception from the age of 21: 100% reimbursed

Dental expenses after an accident: up to €10,000

Supplementary cover for up to 100% of the costs of urgent medical care abroad

Repatriation: necessary transport from abroad to the Netherlands in case of illness, injury and death

Online skin cancer check with SkinVision: 100% reimbursed

Online self-help from Stichting mirro: 100% reimbursed

€ 5.75
per month in 2022
Choose ZieZo Aanvullend 1

What is not included in the package?

The following are, for example, not reimbursed:

  • Spectacles and contact lenses
  • Orthodontics
  • Alternative therapies
  • Personal contribution for maternity care

Would you prefer to be covered for these? Take a look at the Zilveren Kruis health insurance options.

ZieZo Werelddekking


Physiotherapy from the age of 18: no reimbursement

Contraception from the age of 21: no reimbursement

Dental expenses after an accident: no reimbursement

Supplementary cover for up to 100% of the costs of urgent medical care abroad

Repatriation: necessary transport from abroad to the Netherlands in case of illness, injury and death

Online skin cancer check with SkinVision: no reimbursement

Online self-help from Stichting mirro: no reimbursement

€ 1.25
per month in 2022
Choose ZieZo Werelddekking

ZieZo Aanvullend 1


6 physiotherapy sessions per year

Contraception from the age of 21: 100% reimbursed

Dental expenses after an accident: up to €10,000

Supplementary cover for up to 100% of the costs of urgent medical care abroad

Repatriation: necessary transport from abroad to the Netherlands in case of illness, injury and death

Online skin cancer check with SkinVision: 100% reimbursed

Online self-help from Stichting mirro: 100% reimbursed

€ 6.25
per month in 2022
Choose Aanvullen ZieZo 1

What is not included in the package?

The following are, for example, not reimbursed:

  • Spectacles and contact lenses
  • Orthodontics
  • Alternative therapies
  • Personal contribution for maternity care

Would you prefer to be covered for these? Take a look at the Zilveren Kruis health insurance options.

We no longer offer ZieZo Aanvullend 2

Do you have this insurance already? If so, you can keep on using it.

Children up to 18 are insured too

Children up to the age of 18 are insured on your basic insurance and the supplementary insurance too. You don’t pay a premium for them. Does your partner have more extensive supplementary insurance? If so, add your children to your partner’s insurance. Then they will get the same supplementary package.

Did you know that you don’t pay excess for children under 18? Sometimes you pay a personal contribution. But most of the care for your child is fully reimbursed.

Our dental insurance

With ZieZo Tand 1 you are reimbursed for the most common treatments.

ZieZo Tand 1


100% reimbursed:

Consultations (C-codes) and second opinions

75% reimbursed:

Fillings (V-codes)
Extractions of teeth and molars (H-codes)
Anaesthesia (A-codes)
Dental X-rays (X-codes)
Other dental treatments

Maximum reimbursement per year: € 250

€ 10.75
per month in 2022
Choose ZieZo Tand 1

Ziezo Tand 1


100% reimbursed:

Consultations (C-codes) and second opinions

75% reimbursed:

Fillings (V-codes)
Extractions of teeth and molars (H-codes)
Anaesthesia (A-codes)
Dental X-rays (X-codes)
Other dental treatments

Maximum reimbursement per year: € 250

€ 13.75
per month in 2022
Choose ZieZo Tand 1

We no longer offer ZieZo Tand 2

Do you have this insurance already? If so, you can keep on using it.

ZieZo, Zilveren Kruis: what’s the difference?

ZieZo is the online version of Zilveren Kruis. With ZieZo you can arrange as much as possible online: from submitting claims to ordering medicine. That is how we can offer such competitive premiums. Do you want to have children? Or does your child need braces? Then insurance from Zilveren Kruis might be a better option for you.

This is ZieZo

  • Decide for yourself whether you want insurance with a broad or limited choice of hospitals.
  • You can arrange healthcare matters online through Mijn Zilveren Kruis or our app. You can contact us through chat and WhatsApp.
  • You should preferably order medicines online. You can do this through any contracted pharmacy.
  • Some medical devices can only be ordered online, through a small number of suppliers.
  • Choice of 2 supplementary insurance policies and 1 dental insurance policy.
  • No reimbursement for maternity care or orthodontic care.

This is Zilveren Kruis

  • Decide for yourself whether you want insurance with a free, broad or limited choice of hospitals.
  • You can arrange healthcare matters online through Mijn Zilveren Kruis or our app.
  • Order medicine online or at the pharmacy. You can do this through any contracted pharmacy.
  • Order medical devices online or from the shop. You can do this through any contracted suppliers.
  • Broader choice of supplementary insurance and dental insurance.
  • Option to insure yourself through a group with a discount on your premium and extra reimbursements.
  • Zilveren Kruis offers basic restitution insurance with which you can go to any healthcare provider.

Handy extras

With ZieZo, you benefit from the advantages of Zilveren Kruis.

The Zilveren Kruis-app

Want to quickly submit a bill or pay your excess? You can easily organise your insurance matters with our app. Always and everywhere.

Waiting list mediation

Does your hospital have a waiting time? Thanks to our waiting list mediation, you can often speed things up. Our Care Coaches will be happy to look into it for you!

Flexible payment

At ZieZo, we want to make it as easy as possible to pay. You choose the date yourself on which your premium is to be debited. Plus, you can postpone payment once.

6 reasons to believe in Zilveren Kruis

1. Health insurer of 3.8 million people in the Netherlands

As one of the largest health insurers, we can make economies of scale when paying for healthcare. These savings are passed on to you.

2. A 7.8 rating on Independer

That’s something we’re very proud of! What our clients value the most is our fast telephone response times, and our Care Coaches.

3. Lots of reimbursements, lots of choice

From physiotherapy to alternative therapies, there’s a good chance we reimburse for the care that you need. With 3 basic policies, 5 supplementary policies and 5 dental policies, Zilveren Kruis always has a package that suits your needs.

4. Lots of extras in your health insurance

The Zilveren Kruis-app to arrange your healthcare matters, the Actify-app to lead a healthier lifestyle and waiting list mediation through your Care Coach: our health insurance has it all.

5. Your claim paid within 3 working days

Most of the time, we pay the healthcare provider direct. Did you have to pay the bill yourself? We will reimburse you within 3 working days.

6. Top 3 sustainable health insurer

As a part of Achmea, we take sustainability seriously. For example, we do not invest in companies that have a lot of CO2 emissions.

Frequently asked questions

With ZieZo, you will do everything possible online. You submit your bills with your smartphone via the Zilveren Kruis-app or via Mijn Zilveren Kruis. You can order medicine online. And for 100% reimbursement you order certain medical devices online. Information available in Dutch only.

Prefer a wider choice? The Zilveren Kruis insurances are more extensive.

Zilveren Kruis basic healthcare insurance

Yes. But we don’t recommend it. You will need a DigiD to see your policy certificate or submit a claim. Without a DigiD, you can only ask for information by telephone.

You can go to any of the contracted care providers. Except with the ZieZo Selectief basic insurance, which offers a more limited choice of hospitals. With ZieZo Basis you can go to any hospital.

Is your favourite healthcare provider or hospital not contracted? You can still go there, but you will get a lower reimbursement: maximum 75% of the average rate we have agreed with the contracted care providers.

Check our Medical Provider Search Tool to see whether your healthcare provider is contracted

It's great that you want to switch to ZieZo! Usually, you can switch as of 1 January. In that case, you need to cancel your previous insurance by 31 December.

In some cases, you can also switch to our insurance sooner. For example, if you are coming out the military service. Or if you come to live here from abroad and you are entitled to Dutch basic insurance. If this is the case, contact us.

We always try to help you as quickly as possible, within our response time, if you have a question, complaint or comment.