Zilveren Kruis Health Insurance

A Brief Overview of Zilveren Kruis

Zilveren Kruis, a well-respected name in the Dutch insurance market, has existed since 1949. As a leading insurance provider and part of the massive Achmea Group, Zilveren Kruis serves over 3.5 million customers in the Netherlands, ensuring they receive quality healthcare at an affordable price.

Zilveren Kruis Health Insurance

Zilveren Kruis offers an extensive range of health insurance plans, from their Basic Plan (Basisverzekering) to their four supplemental packages (Aanvullende verzekering). The Basic Plan covers essential healthcare services, like hospital stays, GP visits, and maternity care, whereas the supplemental packages provide additional coverage for dental care, physiotherapy, and alternative treatments.

Basic Plan: Your Essential Healthcare Coverage

The Basic Plan, also known as Basisverzekering, is a mandatory health insurance plan that covers all essential healthcare services, as Dutch law requires. With this plan, you’ll get coverage for:

  • General Practitioner (GP) visits
  • Specialist care and hospital stays
  • Prescription medications
  • Maternity care, including midwifery services and postnatal care
  • Mental health services
  • Limited dental care for individuals under 18 years old

Zilveren Kruis Supplementary Insurance Modules

In addition to the Basic Plan, Zilveren Kruis offers four supplemental packages (Aanvullende verzekering) to enhance your coverage. These packages is designed to cater to various healthcare needs and preferences:

  • Start: This package is perfect for students who want to cover the basics, like dental check-ups and physiotherapy sessions. It also includes contraception coverage and travel vaccinations.
  • Basic: The package offers extensive coverage, including dental care, physiotherapy, and alternative therapies. It’s ideal for those who need a little extra coverage but don’t want to break the bank.
  • Extra: With the Extra package, you’ll get even more comprehensive coverage for dental care, physiotherapy, and alternative treatments. It also includes coverage for orthodontics, which is great if you need braces or other orthodontic treatments.
  • Plus: The Plus package is the ultimate option for those who want the most extensive coverage possible. It includes generous allowances for dental care, physiotherapy, alternative treatments, and more.
  • Dental Insurance: Keep Your Pearly Whites in Top Shape

Explorer Zilveren Kruis health insurance policies

Use our tool to explorer all heath insurance plans of Zilveren Kruis.

Personalised Support and Healthcare Guidance

When it comes to your health, sometimes you need extra help. Zilveren Kruis provides personalised support through their Healthline (Zorgcoach), a dedicated service that helps you navigate the Dutch healthcare system. Whether you need assistance finding the right specialist or arranging medical care abroad, the Healthline team is just a phone call away.

Zilveren Kruis - Rating and Reviews

Their consistently high satisfaction ratings show Zilveren Kruis’ commitment to quality healthcare and customer service. In the annual customer satisfaction survey by the Dutch Consumers’ Association (Consumentenbond), Zilveren Kruis consistently scores well, with customers praising their comprehensive coverage and responsive customer support.

Frequently Asked Questions

In the Netherlands, you must apply for health insurance within four months of registering with your local municipality. You may be subject to a fine if you miss this deadline and must arrange coverage as soon as possible.

To get a student discount on your Zilveren Kruis health insurance, apply through the Collective Health Insurance for Students (Student Goed Verzekerd). By signing up for a Zilveren Kruis plan through the collective, you can save up to 10% on your monthly premium and enjoy additional benefits, like coverage for birth control and travel vaccinations.

You can usually change your Zilveren Kruis insurance plan only during the annual open enrollment period from mid-November to December 31st each year. However, certain life events, like moving to the Netherlands, starting a new job, or having a baby, may qualify you for a particular enrollment period, allowing you to change your plan outside the regular enrollment window.

Submitting a claim to Zilveren Kruis is quick and easy. You can do it online through the Zilveren Kruis portal or via the Zilveren Kruis App. Log in to your account, fill out the claim form, and upload documents or invoices. Zilveren Kruis will then reimburse you according to your coverage.

Zilveren Kruis offers both in-network and out-of-network coverage, depending on the type of Basic Plan you choose. If you opt for the Zilveren Kruis Naturapolis plan, you must use healthcare providers within their network to receive full coverage. With the Zilveren Kruis Restitutiepolis plan, you can choose any healthcare provider more easily, and Zilveren Kruis will still cover your costs.

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