Anderzorg Health Insurance for Students

What is Anderzorg Health Insurance?

Anderzorg is a digital-first health insurance label owned by Menzis, one of the larger health insurers in the Netherlands. Designed primarily with young adults and students in mind, Anderzorg focuses strictly on health insurance. By operating predominantly online and offering streamlined customer service through digital channels, the company aims to provide basic health insurance at a highly competitive premium.

Who is Anderzorg For?

Anderzorg is suitable for Dutch students and international students who are legally required to hold Dutch public health insurance (for instance, those working a part-time job or doing a paid internship). Because it requires policyholders to manage their claims and questions primarily via an app or website, it is ideal for individuals who are comfortable with digital self-service and are looking to minimize their monthly expenses.

Coverage Options: The Basic Package

The standard medical care covered under the basic package is determined by the Dutch government and is identical across all insurers. This includes general practitioner (GP) care, hospital stays, and standard prescription medications.

Anderzorg offers one main basic policy, which is an ‘in-kind’ (natura) policy. This means you have a broad choice of healthcare providers, but for full reimbursement (100%), you generally need to visit hospitals and clinics that have a contract with Anderzorg. If you visit a non-contracted provider, your reimbursement may be limited to a lower percentage of the average contracted rate, meaning you may have to pay a portion of the bill yourself.

Supplementary Packages and Dental Care

Because basic insurance does not cover everything, you can customize your coverage with supplementary modules. Anderzorg allows you to add specific coverage for physiotherapy, dental care, and emergency care abroad.

• Customizable Modules: You can often combine supplementary insurance with reimbursement for physio, dentistry, and worldwide coverage. Combining options like physiotherapy and dental care can sometimes result in a combination discount.
• Dental Limitations: If you require extensive dental work, note that Anderzorg generally caps additional dental insurance coverage at a maximum of €500 per year. You cannot combine multiple dental coverage tiers.
• Student Focus: Anderzorg occasionally offers specific supplementary bundles tailored to the common healthcare needs of students and young professionals.

General Exclusions

It is important to understand what is generally excluded from an Anderzorg policy. Basic insurance does not cover routine adult dental care, prescription glasses, or elective cosmetic procedures. Supplementary packages also have strict limits; for instance, any dental costs exceeding your chosen limit (e.g., €250 or €500) will be entirely out-of-pocket. Always review the policy terms for exact exclusions.

Anderzorg Health Insurance Premiums 2026

Use our tool to explore current health insurance plans and check the exact premiums based on your personal preferences.

Anderzorg website

*The premiums listed above are based on the standard mandatory deductible.

Cost Factors: Deductible and Healthcare Allowance

Your overall healthcare costs depend on your chosen deductible and whether you receive government support.

The mandatory deductible (Eigen Risico) in 2026 is €385. You are required to pay this amount out-of-pocket for most medical care (excluding GP visits) before your insurance begins covering the costs. With Anderzorg, you can voluntarily increase your deductible in steps of €100, up to a maximum of €885, to significantly lower your monthly premium.

Many students offset their insurance costs by applying for the healthcare allowance (zorgtoeslag). For 2026, the maximum allowance is generally €129 per month per month for single adults earning below €40,857 annually. This subsidy helps make the basic premium highly affordable.

Example Scenarios

To understand how Anderzorg works in practice, consider these examples:

• Healthy Student: A student who only visits the GP once a year increases their deductible to €885. This lowers their Anderzorg premium significantly. If they apply for healthcare allowance, their net monthly cost for health insurance becomes very low.
• Student Needing Physio: A student playing university sports frequently needs physiotherapy. They choose the standard €385 deductible and add a supplementary package that covers 9 physio sessions, ensuring they are protected if they get injured during the season.

Advantages and Disadvantages

Common Mistakes to Avoid

When choosing Anderzorg, students should watch out for these common errors:

• Visiting a non-contracted provider unknowingly: Because Anderzorg uses an in-kind policy, check their app or website to ensure your preferred hospital is contracted before receiving non-emergency treatment.
• Over-insuring for dental care: Adding a dental package if you only need one basic check-up a year is usually more expensive than paying the dentist out-of-pocket.
• Forgetting the healthcare allowance: Zorgtoeslag is not applied automatically. You must actively apply for it via the Dutch tax authority (Belastingdienst).

How to Apply: A Step-by-Step Plan

Switching to Anderzorg is a quick, digital process. You will need a Citizen Service Number (BSN), a Dutch address, and a Dutch bank account (IBAN).

1. Determine Your Needs: Decide if the standard in-kind basic policy meets your healthcare requirements.
2. Select Your Deductible: Choose whether to keep the standard €385 deductible or raise it up to €885 for a premium discount.
3. Add Supplements: Select any customizable modules for physiotherapy or dental care.
4. Apply Online: Complete your application via the Anderzorg website using your DigiD. If you apply before January 1st, Anderzorg will automatically cancel your current Dutch policy.
5. Claim Your Allowance: Apply for the healthcare allowance via the toeslagen.nl website.

Contact Details

Sustainability and Corporate Responsibility

As a label of Menzis, Anderzorg operates under the same sustainability policies as its parent company. According to independent monitors like the VBDO (Association of Investors for Sustainable Development), Menzis generally scores moderately to well in the Dutch market regarding responsible investments. They evaluate the impact on people, the environment, and corporate governance.