How to claim healthcare costs
Have you paid for healthcare yourself? You can ask us to pay this money back. This is called making a claim.
You can claim your costs in 3 ways
- Take a photo or screenshot of the bill.
- Upload the photo safely in the app.
- We pay the money into your bank account on the next working day.
- Keep the bill for 2 years.
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- Take a photo of the bill or scan it.
- Log in to Mijn Zilveren Kruis and upload the photo via the website.
- We pay the money into your bank account on the next working day.
- Keep the bill for 2 years.
To Mijn Zilveren Kruis
View your excess
Log in with the DigiD app or SMS code. Find out more about DigiD.
- You do not need a special envelope.
- We pay the money within 10 working days.
- Send the bill to:
Zilveren Kruis
Afdeling Declaratieservice
Postbus 70001
3000 KB Rotterdam
Important information when making a claim
- Only send the bill after your treatment or course has finished. We do not pay bills sent earlier.
- The bill must be complete and easy to read. Please check that the bill includes:
- your insurance number, date of birth, and the name and address of the insured person
- the type of treatment, the treatment date, and the product name
- details of the healthcare provider, such as the AGB-code and performance code ('prestatiecode').
- the professional association, organisation, or quality register the healthcare provider is registered with
- If any information is missing? Ask your healthcare provider for a new bill. You may only write your insurance number on the bill yourself.
Further information is available in Dutch only.
Making a claim for a relative, legal representative or cross-border worker
Are you:
- a relative of someone who has passed away,
- a legal representative who manages someone else’s finances, or
- living in the Netherlands but working in another country?
In these cases, please use the online claim form.
Claiming travel costs, pgb or costs abroad
Some costs need a special claim form.
Medical costs made abroad
Have you received healthcare outside the Netherlands? You can submit your bill via the Zilveren Kruis app. If you prefer not to use the app, please fill in the claim form.
Travel costs
Do you have our permission to claim travel costs? Please choose the correct claim form for travel costs. Further information is available in Dutch only.
Other costs
For personal healthcare budgets (pgb) and some collective reimbursements, special forms are required. These claims may take a little longer to process. Further information is available in Dutch only.
Frequently asked questions
Can you pay out the reimbursement to a different account number just this once?
If you want us to pay future claims into a different bank account, you can change your account details via Mijn Zilveren Kruis (log in with DigiD) or contact our Customer Service.
Please do not write your new bank account number on the bill.
What information must be on my bill?
To process your claim quickly, the correct information must be on the bill. This helps us see exactly who received which healthcare.
Your healthcare provider knows which details are required. You can see an example for physiotherapy in the sample bill (pdf). Further information is available in Dutch only.
How soon should I send my bill?
Send your bills to us as soon as possible. Do not wait until the end of the year.
If you had treatment in a certain year and send the bill more than 12 months after the end of that year, you may receive less reimbursement.
You can claim costs up to 3 years after the treatment date or delivery of care. After this period, we will not pay the bill.
When should I send a bill to my previous insurer?
Have you changed health insurers and received a bill for treatment from an earlier period?
The treatment date or delivery date on the bill decides where you should send it — not the date the bill was sent to you.
Example:
If the bill says you received treatment on 1 November and you were insured with CZ at that time, you must send the bill to CZ.
For hospital care with a diagnosis-treatment-combination (diagnose-behandelcombinatie (dbc)), the start date of the treatment is decisive. If the treatment started while you were insured with another insurer, you must send the bill to that insurer. Further information is available in Dutch only.
I had an accident. Can I claim the damage?
Were you injured in an accident caused by someone else? In some cases, we can recover the costs, such as high ambulance or hospital costs.
Please contact us via Report your accident (meld uw ongeval). Further information is available in Dutch only.
What can I see in my claim overview?
Your claim overview shows:
- the bills you have submitted
- your excess
Read more about the claims overview (declaratieoverzicht). Further information is available in Dutch only.