ZieZo Selectief

ZieZo Selectief is ZieZo’s most economical basic insurance. You have just as much cover as with ZieZo Basis. Only with less choice of hospitals. That makes a difference to your premium.

Choose ZieZo Selectief

Where can you go with ZieZo Selectief?

Do you want 100% reimbursement? All you have to do is check where you go for your care.

Care providers

Go to contracted care providers. You will get 100% reimbursed. Does your care provider not have a contract with us? Then you’ll get a maximum of 75% of the average contracted tariff reimbursed.


Is your treatment not urgent? Then go to a hospital that is on the ZieZo Selectief list. They are never more than a 45-minute drive. You can go to another hospital. But then you will be paying a part yourself. Please note: In an emergency, you can go to any hospital!

Medical devices

For 100% reimbursement, you order certain medical devices online, from specific suppliers. Want to do it another way? Then you’ll get a maximum of 75% of the average contracted tariff reimbursed.

Main features of the insurance

Information available in Dutch only

ZieZo Selectief Health Insurance Card

What is reimbursed?

The basic insurance reimburses for the treatment everyone must be given according to the government. That is why basic insurance is the same for everyone. Main reimbursements at a glance:


Most commonly used reimbursements in basic insurance:

  • General practitioner
  • Hospital treatment and stay
  • Medical specialist
  • Medicines
  • Maternity care and midwifery
  • Ambulance and patient transport
  • Physiotherapy up to the age of 18
View all reimbursements

Not reimbursed

The following are not included in your basic insurance for example:

  • Physiotherapy from the age of 18
  • Dental costs from the age of 18
  • Contraception from the age of 21

Would you prefer to have these medical costs covered? Check out our supplementary insurane.

What hospital should I go to?

Most of the time you will choose from the list of hospitals from ZieZo Selectief. For some treatments you can go to a wider selection of hospitals. You will still be 100% reimbursed. They are here:

You can go to any hospital in the Netherlands for:

  • Urgent medical care. This also applies to follow-up treatment and examination associated with your visit to emergencies services.
  • Urgent outpatient treatment within 24 hours of referral.

For this treatment, you can go to hospitals that have a contract with Zilveren Kruis:

  • Treatment by a medical specialist, after referral by a medical specialist from your “own” hospital. This means you first went to a hospital on the ZieZo Selectief list. There, you were referred to a medical specialist from another hospital or independent treatment centre. Your referral letter will say “tertiaire verwijzing” (tertiary referral). Follow-up treatment, examinations and referrals within this hospital or independent treatment centre will be 100% reimbursed too.
  • Obstetric or midwifery care.
  • Hospital care for children under 18. Your children will automatically get ZieZo Basis if you opt for ZieZo Selectief.
  • Treatment in a hospital that is no longer on the ZieZo Selectief list, but was when treatment started. You can simply round off your treatment.
  • Treatment already started before you had ZieZo Selectief. You can simply round off your treatment.
  • Treatment that only a specialist hospital can give. For example open-heart surgery. Then, your referral letter will say “Wbmv-product” (Dutch law for special medical procedures).
  • Colonoscopy under request of the National Institute for Public Health (RIVM).
  • Treatment called “overig zorgproduct” (other care product) on your referral letter. For example dental surgery, laboratory tests and X-rays.
  • Tospital treatment that falls within the scope of mental healthcare (ggz); Then, your referral letter will say 'ggz'.
  • Prostate cancer operation. You can go to all hospitals with which we have a contract for prostate cancer operations.
  • Transgender care.


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

Children up to the age of 18 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.

I am happy with my health insurer. They put a lot of work into assisting and helping me with anything I need.

Marianne, through Zorgwijzer

The Zilveren Kruis-app

Want to quickly send 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 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.

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.

Frequently asked questions

ZieZo is the low-cost insurance by Zilveren Kruis.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 insurances

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

Yes, you can. As long as you are entitled to Dutch health insurance. Make sure you clearly state that you want to take out insurance from abroad.

Contact us

Yes. As long as you are under 21. Or if you take the pill because you have endometriosis or menorrhagia. This means you get the pill on medical indication. For some brands of pill, you will still have to pay a contribution.

Are you over 21 and have no medical indication? Then you need supplementary insurance for your pill to be reimbursed.

Do you think that you don’t need anything extra, like physiotherapy or visits to the dentist? If so, basic insurance is enough.

But do bear in mind that you may get unexpected expenses. Something might happen that the basic insurance policy doesn’t cover. For example, you fall ill abroad and have to be brought back to the Netherlands.