Cancelling your healthcare insurance Consumers

In some situations you can switch mid-term

For example, when you have a new employer or when you enter military service. Find out below in which situations you can cancel mid-term and what you have to do. If none of these situations apply to you, you can cancel from the 1st of January. If you have any further questions, please call 071 751 00 51 on working days between 8.30 a.m. to 6 p.m.

I wish to cancel the insurance of my child who is turning 18

When your child turns 18, they can take out their own insurance. This also applies to co-insured children over the age of 18.

Read more about changes in the insurance when my child turns 18 (in Dutch only). Alternatively, log in with DigiD and SMS code via Mijn Zilveren Kruis to cancel. Further information is available in Dutch only.

I have a new employer in the Netherlands

You need to find another collective insurance if you are self-employed or had a collective insurance via your previous employer.

Does your new employer have collective insurance with another insurer? You can switch insurers.
If your new employer does not have collective insurance, you'll remain insured with us until the 1st of January. The premium is higher as the collective lapses.

For personal advise, please contact us. Our employees are available on weekdays between 8.30 a.m. and 6 p.m. and would be happy to help you further.

I wish to cancel as the policy terms and conditions have been modified

You can cancel your insurance mid-term when Zilveren Kruis modifies the premium or terms and conditions to your disadvantage. Unfortunately, you cannot cancel mid-term if the modification is from Article 11 to 14 of the Healthcare Insurance Act.

We always inform you if the policy terms and conditions change. Don’t hesitate to contact us if you have any questions about this. If you wish to cancel, you must do so before the changes take effect.

Wish to modify something in your insurance?

I'm getting a divorce

If you are the policyholder, you can always cancel the health insurance of your (ex-)partner and children. However, we do need permission from your (ex-)partner. If you are not the policyholder, you can apply for health insurance with Zilveren Kruis or any other health insurance company for yourself and your children.

I wish to cancel the insurance of a loved one who passed away

You don’t need to cancel the healthcare insurance of the loved one who has passed away, as the Basisregistratie Personen (BRP - Basis Registration of Persons) will inform us. The healthcare insurance will automatically cease. You don’t have to worry about that. The premium and excess are calculated pro rata, and if necessary, we will reimburse you. So, you don’t have to do anything.

Only supplementary insurance or dental insurance
If the deceased only had supplementary insurance or dental insurance with us, we do not receive a notification from the BRP. You can cancel the separate supplementary insurance or dental insurance via Mijn Zilveren Kruis. Log in using your DigiD with SMS verification. Further information is available in Dutch only.

Modify mailing address and other details after a death
If you would prefer to receive our correspondence at a different address following the death of the insured, please contact our customer service on weekdays between 8.30 a.m. and 6.00 p.m.

Cancel travel insurance
If you would prefer to receive our correspondence at a different address following the death of the insured, please contact our customer service on weekdays between 8.30 a.m. and 6.00 p.m.

I’m joining the military

If you join the military, you must cancel your health insurance. Active duty soldiers receive a mandatory insurance through the Ministry of Defence. We will automatically receive your cancellation if you are registered with the Foundation for Defence Health Insurance (SZVK). You do not need to cancel with us yourself. However, if you prefer to cancel yourself, you can do so by post.

Written cancellation
Zilveren Kruis Achmea
Postbus 444
2300 AK LEIDEN

State in your letter:

Your first and last name
Address
Phone number
For which insued person(s) the cancellation applies
The insurance number
Date you wish to cancel
The reason for cancellation

Please make note: if you don't providee a date or reason, we will cancel your insurance from the 1^st of January.

You can cancel from the 1^st of January

We will be sad to see you go. Inform us of your cancellation before the 31^st of December. Do you wish to only cancel your supplementary or dental insurance? Then you can do so up to the 1^st of January. Cancel or modify your supplementary insurance via our customer services.

If you cancel your basic insurance from the 1^st of January, then you have to have a new insurance starting from the 1^st of February. This insurance will then start from the 1^st of January. The new basic insurance will be effective from the 1^st of January to avoid an uninsured period.

Cancel my insurance

Please note: you cancel your insurance in Mijn Zilveren Kruis (in Dutch only).

Modify my insurance

Please note: if you have outstanding premium, switching insurances isn't possible. This is determined by law (in Dutch only).

Your insurance no longer suits your situation?

We would like to help you with the choice of your healthcare insurance. There are different possibilities. Insure yourself with a competitive insurance if your employer has an agreement with us. Or maybe the Zilveren Kruis ZieZo insurance (in Dutch only) suits you better.

Collective discount and extra benefits

We have made many agreements with employers and member organisations. Are you a member of a sports club, branch organisation or are you ‘ZZP’er’ (self-employed)? Check whether you are entitled to collective advantages.