The basic healthcare insurance
Always assured of an insurance policy that suits you and, of course, good care.
Calculate your premium
Our basic healthcare insurances
Our basic healthcare insurancesCare is well organised in the Netherlands. Anyone who lives or works in the Netherlands must take out basic healthcare insurance. We accept everyone who is entitled to healthcare insurance. The government determines what care is covered by basic insurance. Zilveren Kruis ensures that you can always access a good care provider in your neighbourhood.
You can count on us for
- Insight into your healthcare matters via the Zilveren Kruis app
- Personal touch, such as the assistance from the Care Coach
- Claims paid out the following workday!
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 get a discount
The discount is 1% for annual payment and 0,5% if you pay twice a year. Further information in Dutch only.
View the characteristics of your insurance in the healthcare insurance cards (in Dutch only)
- You can easily reach us, even in the evening
- Personal communication
- We will arrange your switch for you
What is reimbursed from basic insurance
- General practitioner (GP)
- Hospital treatment
- Medical specialists
- Medicines
- Ambulance and other patient transport
- Maternity care and obstetric care
- Dental care up to the age of 18
- Physiotherapy up to the age of 18
- Psychological care
What isn't reimbursed from basic insurance
- Physiotherapy for non-chronic illness
- Dental care for those over 18
- Orthodontics
- Alternative treatments
- Spectacles and contact lenses
- Maternity package
You can insure these medical costs via our supplementary insurances.
A care provider without a contract with us
For a non-contracted care provider the reimbursement may be lower than a contracted care provider. Sometimes you don’t receive a reimbursement at all.
Reimbursement from basic package for a contracted care provider
- Receive 100% reimbursement of the contracted tariff
- We have good agreements on the quality and availability of care
- We arrange payment with the care provider
Reimbursement from basic package for a non-contracted care provider
- Receive up to 75% of the average contracted tariff if you have Basis Budget or Basis Zeker
- We do not have agreements on the quality and availability of care
- You first pay the care provider then claim the costs from us
Emergency?
In emergency situations, you can go to any hospital in the Netherlands and receive a 100% reimbursement, even if you have Basis Budget.
Your collective insurance
Many employers have taken out collective insurance with us for their employees. We also have collective insurances through sports associations and member organisations.
Advantages of collective insurance:
- You will receive a discount on your premium, including for your partner and children.
- Sometimes you may be entitled to extra reimbursements
Save up to € 0 per month
- Save up to € 2.50 per month with Basis Budget
- Save up to € 3.50 per month with Basis Zeker
- Save up to € 3.50 per month with Basis Exclusief
- Save up to € 5 per month Basis Budget
- Save up to € 7 per month with Basis Zeker
- Save up to € 7 per month with Basis Exclusief
- Save up to € 7.50 per month Basis Budget
- Save up to € 10.50 per month with Basis Zeker
- Save up to € 10.50 per month with Basis Exclusief
- Save up to € 10 per month Basis Budget
- Save up to € 14 per month with Basis Zeker
- Save up to € 14 per month with Basis Exclusief
- Save up to € 12.50 per month Basis Budget
- Save up to € 17.50 per month with Basis Zeker
- Save up to € 17.50 per month with Basis Exclusief
Useful extras
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 on which date your premium is debited or you can postpone the debit of your health care costs once.
Want to know more about our services?
You can easily submit bills online. In Mijn Zilveren Kruis, you can arrange much more regarding your healthcare insurance. You can easily reach us with our extended opening hours. Further information available in Dutch only.
Frequently asked questions
Is a basic insurance enough for me?
If no further health care is needed (e.g. physiotherapy or dental check-ups), then basic insurance is sufficient. Please note that unexpected costs are not covered by the basic insurance. For example, if you become ill abroad and need to be brought to the Netherlands.
What has been changed in basis insurance 2025?
On ‘Prinsjesdag’ (Budget Day), the minster presented the ‘Miljoenennota’ (Budget Memorandum) to parliament. As every year, changes in healthcare have been announced. We have summarised the changes for 2025 for you.
When is physiotherapy reimbursed?
Until the age of 18, the basic insurance covers 18 physiotherapy treatments. For adults, basic insurance does not cover physiotherapy. In most cases, physiotherapy is covered under supplementary insurance. Find the complete reimbursement for those over 18 in our overview (in Dutch only).
Is contraception covered under the basic insurance?
Contraception is only covered by basic health insurance on medical grounds or for those under the age of 21. In all other cases, contraception is reimbursed under supplementary insurance. You will find the reimbursement for contraception in the overview of benefits (in Dutch only).
If I need medical care abroad, are these costs reimbursed?
Urgent necessary medical care abroad is reimbursed from basic insurance up to the rate that applies in the Netherlands. In some countries, medical costs are higher than in the Netherlands. With supplementary insurance, you are better insured against unexpected costs. In our overview of reimbursements, you will find everything about reimbursements of costs made abroad. Further information available in Dutch only.
What are comparable basic insurances?
Zilveren Kruis is part of Achmea. Achmea has more healthcare brands than just Zilveren Kruis. We have prepared a table for you to compare basic insurance policies of Achmea. Further information available in Dutch only.
