Our healthcare insurances
Your healthcare insurance can be well arranged! Our insurance policies offer you a wide choice with many reimbursements.
Calculate your premium directly
Health is the most important thing there is. Health is an overall picture; it consists of both body and mind, and relationships and environment also have an impact. A healthy lifestyle is therefore very important, and when you need care, you want to be able to go to the right care provider quickly.
We offer 3 basic healthcare insurances
We offer 3 basic healthcare insurancesBasic insurance is mandatory in the Netherlands and the government determines which care is included in the basic packages. There are, however, differences in the basic insurances of Zilveren Kruis this is due to the possibility to choice between care providers and how the service is provided.
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
Or learn more about Basis Budget
Receive 100% reimbursement 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
Or learn more about Basis Zeker
Receive 100% reimbursement at all hospitals and care providers with a contract
85% reimbursement of the average contracted rate at non-contracted mental health care and district nursing and other 100%
Or learn more about Basis Exclusief
Pay annually and receive discount
The discount is 1% for an annual payment and 0.5% if you pay per twice a year.
More about basic insurance
In Dutch only
View the characteristics of your insurance
In Dutch only
You can count on us to provide:
- Insight into your care costs with the Zilveren Kruis app
- A personal touch, such as the assistance from the Care Coaches
- Submit a claim today and it's reimbursed the next day
- Insight into your health with the TotaalCheck (in Dutch only)
Our supplementary insurances
Our supplementary insurancesA supplementary insurance can be a good addition to basic insurance if you need extra care such as physiotherapy for example, or if you want to be well insured for medical costs abroad.
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 an age category to view the premium.
Basis Plus Module
{colkorting.av0}% collective discount
The most important reimbursements
-
Alternative therapy:
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
Aanvullend 1 ster
{colkorting.av1}% collective discount
The most important reimbursements
-
Alternative therapy:
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
Aanvullend 2 sterren
{colkorting.av2}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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
Aanvullend 3 sterren
{colkorting.av3}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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
Only for certain collectives
Aanvullend 4 sterren
{colkorting.av4}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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 therapy:
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
Aanvullend 1 ster
{colkorting.av1}% collective discount
The most important reimbursements
-
Alternative therapy:
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
Aanvullend 2 sterren
{colkorting.av2}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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
Aanvullend 3 sterren
{colkorting.av3}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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
Only for certain collectives
Aanvullend 4 sterren
{colkorting.av4}% collective discount
The most important reimbursements
-
Alternative therapy:
€ 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}
Our dental insurances
Our dental insurancesDo you want two check-ups per year, a dental cleaning, or a root canal treatment? We know that it's not a very pleasant treatment, but it's important, and Zilveren Kruis offers dental insurance that sometimes partially covers these costs.
The premium differs per age. Choose an age category to view the premium.
Zilveren Kruis, ZieZo: what’s the difference?
At Zilveren Kruis there is lot's to choose from and you can, for example, choose a wider choice of care providers. You decide whether you want to order medical devices online or pick them up from the shop. Also we have a wider choice of supplementary and dental insurances and if you don't need extensive supplementary insurance, then ZieZo might be the best choice for you.
This is what Zilveren Kruis offers
- You can arrange healthcare matters online through Mijn Zilveren Kruis or our app.
- Order medicine online or at the pharmacy through any contracted pharmacy.
- Order medical devices online or from the shop through any contracted suppliers.
- A broader choice of supplementary insurance and dental insurance is available.
- You have the option to insure yourself through a collective, which offers a discount on your premium and extra reimbursements.
- Zilveren Kruis offers basic restitution insurance, allowing you to go to any healthcare provider.
This is what ZieZo offers
- You can arrange healthcare matters online through Mijn Zilveren Kruis or our app. You can also contact us via chat and WhatsApp.
- It is preferable to order medicines online from a contracted pharmacy.
- Some medical devices can only be ordered online through a limited number of suppliers.
- You can choose from 2 supplementary insurance policies and 1 dental insurance policy.
- There is no reimbursement for maternity care or orthodontic care.
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.
Zilveren Kruis Wijzer
Do you have a question about your health or are you worried about something? Then you can ask questions about your health in Zilveren Kruis Wijzer, even if you have doubts about whether you need to see a care provider. This applies whether you are at home or when you are travelling. If you start a chat, a nurse will give you advice and help you via the chat wherever and whenever it suits you best.
Also you can get started with questions about physical exercises to improve your complaints. Answer a number of questions and receive advice directly from a physiotherapist. More information available in Dutch only.
Actify app
Step-by-step, the Actify app guides you toward a healthier lifestyle. The app coaches you with practical tips, delicious recipes, a pedometer, inspiration, and meditation. You can choose what suits you best. More information is available in Dutch only.
6 reasons to believe in Zilveren Kruis
1. Health insurer of 3.4 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 and the Actify app to lead a healthier lifestyle: our health insurance has it all.
5. Your claim paid out the following working dag!
Zilveren Kruis is the fastest in processing claims of all health insurers. Submit your claim today and have it paid out the following working day.
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 question
Can I choose which hospital I go to for each treatment?
Yes, you can choose your hospital and doctor. However, please note that 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. However, for non-contracted mental health care (GGZ) and district nursing, you will receive a reimbursement of 85%.
You can find out which hospital or doctor you can go to through our medical care provider search tool (zorgzoeker).
What is a collective healthcare insurance?
A collective insurance is an insurance policy for a group of people, such as a company or an association, and therefore has a competitive premium.
We have made good agreements with most employers and branch organisations in the Netherlands regarding collective insurance for employees or members. These agreements also apply to many sports clubs or membership organisations for the elderly. As a student, you are entitled to collective insurance. The level of discount depends on the your collective.
You can find your possible collective advantages using our collective insurance finder.
What do I have to do to switch to Zilveren Kruis?
All you have to do is take out healthcare insurance with us, and you can do so online. We will cancel your current insurance on your behalf, so you don't have to do anything. Alternatively, you can learn more switching to Zilveren Kruis first. Further information in Dutch only.
Can I also sign up with an application form and send it to you by mail?
Yes, if you prefer to do so by mail. Please use one of the following application forms:
How is my premium calculated?
Your premium is calculated based on several factors:
The type of insurance
Different insurance packages have a different premium. For example, Basis Budget is cheaper than Basis Exclusief, as it provides access to a limited number of hospitals, whereas Basis Exclusief allows access to all hospitals. You can also choose supplementary insurance or dental insurance, which come in different options with varying premiums.
The level of your excess
You have the option to increase your excess. Generally, the higher the excess, the greater the discount on your premium.
Collective discount
If you take part in a collective healthcare insurance scheme, suchas through your employer, you may be eligible for a discount on your premium for supplementary and dental insurance. The amount of discount depends on your collective.
Within how much time can I expect an answer from Zilveren Kruis?
We do our best to provide you with an answer as soon as possible. Find out what our agreements are regarding the response time (reactietermijnen) for your question, complaint, comment or suggestion (in Dutch only)
