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a.s.r.

75Score

★★★☆☆3.8

Customer satisfaction · 1.3M members

Independer: Ditzo Budget Leader(2026)

a.s.r. operates health insurance through its sub-brands Ditzo (online-only budget) and De Amersfoortse (self-employed and SMEs). Part of the publicly listed a.s.r. financial group with an S&P A rating.

Overall Score

75/100

Founded

2008

Headquarters

Utrecht

Type

private

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Key Metrics

Basic Premium

Budget via Ditzo

Reimbursement Rate

Varies by brand

Market Share

~7%

English Support

limited

Editorial Ratings

Independer: Ditzo Budget Leader(2026)

Rating: Ditzo regularly among cheapest plans (max: 10/10)

75Independer

Coverage Highlights

✓Ditzo online-only budget brand with competitive pricing
✓De Amersfoortse targets self-employed and SMEs
✓Part of a.s.r. financial group (publicly listed)
✓Good digital user experience via Ditzo
✓Strong in disability and income protection alongside health

Pros

✓Budget option via Ditzo brand
✓Strong financial backing from a.s.r. group
✓Good digital experience
✓Specialist options for self-employed

Cons

✗Less established in health insurance vs the big four
✗Limited English
✗Ditzo is fully online — no physical offices

Frequently Asked Questions

What is the difference between Ditzo and De Amersfoortse?

Both are a.s.r. sub-brands. Ditzo is an online-only budget insurer focused on low premiums. De Amersfoortse targets self-employed professionals and small businesses with more comprehensive packages.

Is Ditzo a reliable insurer?

Yes. Ditzo is backed by a.s.r., a publicly listed financial group with an S&P A rating. While Ditzo is online-only with no physical offices, it has strong financial backing.

Does a.s.r. offer English support?

English support is limited across a.s.r.'s health insurance brands. The main website is primarily in Dutch.

Quick Summary

Insurera.s.r.

Country🇳🇱 Netherlands

Overall Score75/100

Satisfaction3.8/5

Members1.3M

Typeprivate

Founded2008

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