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Zilveren Kruis (Achmea)

Zilveren Kruis

79Score
★★★☆☆3.8

Customer satisfaction · 5.3M members

Consumentenbond: Top Coverage Breadth(2026)Independer: Largest Network(2026)

Zilveren Kruis is the largest health insurer in the Netherlands with approximately 5.3 million members. Part of the Achmea cooperative group, it offers 70-100% reimbursement for uncontracted providers and the strongest provider network in the country.

Overall Score

79/100

Founded

1949

Headquarters

Leiden

Type

private
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Key Metrics

Basic Premium

~EUR 159/month (2026)

Reimbursement Rate

70-100%

Market Share

~30% (Achmea group)

English Support

limited

Editorial Ratings

Consumentenbond: Top Coverage Breadth(2026)

Rating: Top-ranked for coverage breadth (max: 10/10)

80Consumentenbond
Independer: Largest Network(2026)

Rating: Largest insurer — comprehensive network (max: 10/10)

78Independer

Coverage Highlights

  • ✓Largest provider network in the Netherlands
  • ✓70-100% reimbursement for uncontracted care
  • ✓Comprehensive supplementary insurance options
  • ✓Digital claims processing and app-based services
  • ✓Part of Achmea cooperative (mutual ownership)

Pros

  • ✓Largest provider network in the Netherlands
  • ✓Reliable and established brand with long track record
  • ✓Comprehensive supplementary options available
  • ✓Good reimbursement rates for non-contracted care

Cons

  • ✗Premium tends to be above average (~EUR 159/month basic in 2026)
  • ✗English support is limited compared to expat-focused insurers
  • ✗Customer service satisfaction average compared to smaller insurers

Frequently Asked Questions

Is Zilveren Kruis the largest health insurer in the Netherlands?

Yes. Zilveren Kruis is the largest single health insurance brand in the Netherlands with approximately 5.3 million members. Its parent group Achmea holds about 30% of the Dutch health insurance market.

What is the basic premium for Zilveren Kruis in 2026?

Zilveren Kruis charges approximately EUR 159/month for the basic health insurance package in 2026, which is slightly above the market average.

Does Zilveren Kruis reimburse for non-contracted providers?

Yes. Depending on the plan chosen, Zilveren Kruis reimburses 70-100% of costs for uncontracted healthcare providers.

Does Zilveren Kruis offer English-language support?

English support is limited. Zilveren Kruis primarily operates in Dutch, though some basic information is available in English. Expats may find other insurers like ONVZ or CZ more English-friendly.

Quick Summary

InsurerZilveren Kruis (Achmea)
Country🇳🇱 Netherlands
Overall Score79/100
Satisfaction3.8/5
Members5.3M
Typeprivate
Founded1949

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