The basic healthcare insurance
Always insured with an insurance that suits you. And of good care, of course.
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. What care is covered by basic insurance? The government determines. Zilveren Kruis makes sure that you can always go to a good care provider in the neighbourhood.
- Insight into your care cost with Zilveren Kruis-app (in Dutch only)
- Personal touch such as the assistance from the Care Coach
- Claims paid out within 3 days: unique
Our 3 basic healthcare insurances
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 the basic insurance
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 the basic insurance
Receive 100% reimbursement at any hospital and all care providers
85% reimbursement of the average contracted rate at non-contracted mental health care and district nursing and other 100%
Or learn more about the basic insurance
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
This is included in the basic insurance
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
Not reimbursed (among others)
- Physiotherapy for a non-chronic conditions
- Dental care for those over the age 18
- Orthodontics
- Alternative treatments
- Spectacles and contact lenses
- Maternity package
You can insurance 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?
You will receive 100% reimbursement at any hospital, regardless of your basic insurance.
Your collective insurance
Many employers have taken our collective insurance with us for their employees. We also have collective insurances through sports associations and member organisations.
Advantages of collective insurance:
The excess
For certain care from basic insurance you pay part of the costs yourself. The mandatory excess for 2024 is € 385. This means that you will pay the first € 385 for received care that fall under the excess yourself.
- Children up to age 18 don’t pay excess or premium
- Did you know that you can pay the excess in instalments (in Dutch only)?
- You can also decide to increase your voluntary excess when you rarely need care
The higher the excess, the lower the insurance premium
You can increase your voluntary excess to a maximum of € 885 for a lower insurance premium. However, you will pay a higher amount for medical costs. View below what you will save on your insurance premium with a higher excess.
Save up to € 0 per month
- Save up to € 3.50 per month with Basis Budget
- Save up to € 3.50 per month with Basis Zeker
- Save up to € 4 per month with Basis Exclusief
- Save up to € 7 per month Basis Budget
- Save up to € 7 per month with Basis Zeker
- Save up to € 8 per month with Basis Exclusief
- Save up to € 10.50 per month Basis Budget
- Save up to € 10.50 per month with Basis Zeker
- Save up to € 12 per month with Basis Exclusief
- Save up to € 14 per month Basis Budget
- Save up to € 14 per month with Basis Zeker
- Save up to € 16 per month with Basis Exclusief
- Save up to € 17.50 per month Basis Budget
- Save up to € 17.50 per month with Basis Zeker
- Save up to € 20 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 a basic insurance is enough. Take into account that unexpected cost are not covered by the basic insurance. For example, if you become ill abroad and need to be brought back 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 health care haven been announced. We have listed the changes for you. Further information available in Dutch only.
When is physiotherapy reimbursed?
Until the age of 18, the basic insurance covers 18 physiotherapy treatments. For adults, the basic insurance does not cover physiotherapy. In most cases, physiotherapy is covered under the 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 the basic health insurance on medical grounds or for those younger than 21. In all other cases, contraception is reimbursed under the 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 tariff 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 (in Dutch only), you will find everything about reimbursements of costs made abroad.
What are comparable basic insurances?
Zilveren Kruis is part of Achmea. Achmea has more health care brands than only Zilveren Kruis. We have prepared a table for you to compare basic insurance policies of Achmea. Further information available in Dutch only.