ZieZo insurance
The low-cost insurance from Zilveren Kruis. With ZieZo, you arrange everything online. That’s how we keep your
premiums low.
ZieZo basic insurance
ZieZo basic insurance At ZieZo we like to keep things easy for you. We have 1 low-cost basic insurance. You can go to any contracted hospital in the Netherlands. The costs are reimbursed 100%, except for your mandatory excess.
ZieZo Basis
Contracted hospitals
100% reimbursement at all hospitals in the Netherlands with a contract
Contracted hospitals
100% reimbursement with contracted care providers
Medical devices
100% reimbursement when you order certain medical devices online, from contracted suppliers
Non-contracted care and medical devices
Up to 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.
Pay annually and receive discount
The discount is 1% for an annual payment and 0.5% if you pay per twice a year.
Main features per insurance
Available in Dutch only
More information
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 € 153.95 per month in 2025
ZieZo Basis € 139.95 per month in 2025
Our supplementary insurance
Our supplementary insuranceOur 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
-
Urgent medical care abroad:
Supplementary cover for up to 100% of the costs
-
Repatriation:
necessary transport from abroad to the Netherlands in case of illness, injury and death
-
Online self-help from Stichting mirro:
no reimbursement
-
Online skin cancer check with SkinVision:
no reimbursement
ZieZo Aanvullend 1
-
Physiotherapy from the age of 18:
6 physiotherapy sessions per calendar year
-
Contraception from the age of 21:
100% reimbursed
-
Dental expenses after an accident:
up to €10,000
-
Urgent medical care abroad:
Supplementary cover for up to 100% of the costs
-
Repatriation:
necessary transport from abroad to the Netherlands in case of illness, injury and death
-
Online self-help from Stichting mirro:
100% reimbursed
-
Online skin cancer check with SkinVision:
100% reimbursed
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
-
Urgent medical care abroad:
Supplementary cover for up to 100% of the costs
-
Repatriation:
necessary transport from abroad to the Netherlands in case of illness, injury and death
-
Online self-help from Stichting mirro:
no reimbursement
-
Online skin cancer check with SkinVision:
no reimbursement
ZieZo Aanvullend 1
-
Physiotherapy from the age of 18:
6 physiotherapy sessions per calendar year
-
Contraception from the age of 21:
100% reimbursed
-
Dental expenses after an accident:
up to €10,000
-
Urgent medical care abroad:
Supplementary cover for up to 100% of the costs
-
Repatriation:
necessary transport from abroad to the Netherlands in case of illness, injury and death
-
Online self-help from Stichting mirro:
100% reimbursed
-
Online skin cancer check with SkinVision:
100% reimbursed
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.
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
Our dental insuranceWith ZieZo Tand 1 you are reimbursed for the most common treatments.
ZieZo Tand 1
Ziezo Tand 2
Ziezo Tand 1
Ziezo Tand 2
We no longer offer ZieZo Tand 2
Do you have this insurance already then 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
- You can go to all contracted hospitals. Care covered by the basic insurance is reimbursed 100%, except for your mandatory excess.
- 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
- You decide 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 3.4 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, 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 2 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 2 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
ZieZo is online insurance. What does that mean?
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.
Can I get ZieZo basic insurance without a DigiD?
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.
Can I go to my own physio, hospital and other healthcare providers?
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. You will pay 25% in addition to your excess.
Check our Medical Provider Search Tool to see whether your healthcare provider is contracted
When can I switch over to you?
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.
How long will I have to wait for an answer?
We always try to help you as quickly as possible, within our response time, if you have a question, complaint or comment.