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ONVZ

83Score

★★★★☆4.2

Customer satisfaction · 300K members

Consumentenbond: Best Freedom of Choice(2026)

ONVZ is a premium niche insurer focused on freedom of provider choice. As a mutual company owned by its policyholders, it offers excellent reimbursement rates for non-contracted care and English-language support.

Overall Score

83/100

Founded

1933

Headquarters

Houten

Type

private

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Key Metrics

Basic Premium

Above average

Reimbursement Rate

High (non-contracted)

Market Share

~2%

English Support

yes

Editorial Ratings

Consumentenbond: Best Freedom of Choice(2026)

Rating: Best for freedom of provider choice (max: 10/10)

83Consumentenbond

Coverage Highlights

✓Excellent reimbursement rates for non-contracted providers
✓True freedom of choice in healthcare providers
✓Mutual company owned by policyholders
✓English-language support available
✓Higher-end supplementary packages

Pros

✓High reimbursement for non-contracted providers
✓True freedom of choice in healthcare providers
✓English-language support available
✓Policyholder-owned mutual structure

Cons

✗Higher premiums than average
✗Small insurer — limited bargaining power with hospitals
✗Fewer supplementary plan variations

Frequently Asked Questions

Why choose ONVZ over a larger insurer?

ONVZ is the best choice if freedom of provider choice is your priority. It offers excellent reimbursement rates for non-contracted healthcare providers, meaning you can see any doctor or specialist without worrying about coverage limits.

Does ONVZ offer English support?

Yes. ONVZ provides an English-language website and customer support, making it a popular choice among expats in the Netherlands.

Is ONVZ more expensive than other Dutch insurers?

Yes. ONVZ premiums are generally above average, reflecting its focus on maximum freedom of choice and high reimbursement rates for uncontracted care.

Quick Summary

InsurerONVZ

Country🇳🇱 Netherlands

Overall Score83/100

Satisfaction4.2/5

Members300K

Typeprivate

Founded1933

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