privateOnline Signup

VGZ

87Score

★★★★☆4.2

Customer satisfaction · 4.2M members

Consumentenbond: UnitedConsumers 8.9/10(2026)Independer: Cheapest 2026 Plan(2026)

VGZ is the second-largest health insurer group in the Netherlands with 4.2 million policyholders. Its sub-brand UnitedConsumers scored 8.9/10 on Consumentenbond and was featured as the cheapest 2026 plan at EUR 125.40/month.

Overall Score

87/100

Founded

1996

Headquarters

Arnhem

Type

private

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Basic Premium

From EUR 125.40/month (UnitedConsumers)

Reimbursement Rate

60-80% (varies by brand)

Market Share

~24% (VGZ group)

English Support

limited

Editorial Ratings

Consumentenbond: UnitedConsumers 8.9/10(2026)

Rating: UnitedConsumers: 8.9/10 (301 reviews) (max: 10/10)

89Consumentenbond

Independer: Cheapest 2026 Plan(2026)

Rating: UnitedConsumers cheapest 2026 plan (EUR 125.40/month) (max: 10/10)

85Independer

Coverage Highlights

✓UnitedConsumers frequently ranks as cheapest monthly premium
✓Second-largest provider network in the Netherlands
✓Cooperative structure returning value to members
✓Strong digital infrastructure and app
✓Sub-brands include UnitedConsumers, Bewuzt, National Academic

Pros

✓Second-largest network in the country
✓Budget sub-brand (UnitedConsumers) among cheapest available
✓Cooperative structure
✓Good digital tools and app

Cons

✗Lost ~1% market share in 2024
✗English support limited on main VGZ brand
✗60% reimbursement for uncontracted providers on budget plans

Frequently Asked Questions

What is the cheapest VGZ health insurance plan in 2026?

VGZ's sub-brand UnitedConsumers offers the cheapest basic health insurance plan in 2026 at EUR 125.40/month, making it one of the most affordable options in the Netherlands.

How is UnitedConsumers rated by Consumentenbond?

UnitedConsumers (a VGZ sub-brand) scored 8.9/10 on Consumentenbond based on 301 customer reviews, making it one of the highest-rated budget insurers in the Netherlands.

What reimbursement does VGZ offer for uncontracted providers?

Reimbursement rates vary by sub-brand. Budget plans like UnitedConsumers offer around 60% reimbursement for uncontracted providers, while premium VGZ plans offer higher rates.

Quick Summary

InsurerVGZ

Country🇳🇱 Netherlands

Overall Score87/100

Satisfaction4.2/5

Members4.2M

Typeprivate

Founded1996

Other Insurers in Netherlands

ONVZ

private

/ 100

Zilveren Kruis (Achmea)

private

/ 100

private

78.5

/ 100

DSW

private

/ 100

a.s.r.

private

/ 100

Ready to get covered?

Get a personalized quote from VGZ today.

Get Free Quote→