VGZ Health Insurance
A basic insurance policy is compulsory for everyone over the age of 18 and covers the most common healthcare costs, such as family doctor visits, pharmacy costs or hospital visits.
At VGZ you have three basic insurance options (for individuals and group insured):
VGZ Basis Keuze
example with 4% group discount
126,15
121,10
per month
100% covered by all
contracted hospitals and
healthcare providers
70% covered by
non-contracted hospitals and
healthcare providers
- The GP (general practitioner)
is always covered
with € 385 mandatory excess
VGZ Ruime Keuze
example with 4% group discount
132,65
127,34
per month
100% covered by all
contracted hospitals and
healthcare providers
80% covered by
non-contracted hospitals and
healthcare providers
- The GP (general practitioner)
is always covered
with € 385 mandatory excess
In-kind policy: Large number of contracted healthcare providers
VGZ Eigen Keuze
example with 4% group discount
142,40
136,70
per month
100% covered by all
contracted hospitals and
healthcare providers
100% covered by
non-contracted hospitals and
healthcare providers
- The GP (general practitioner)
is always covered
with € 385 mandatory excess
Reimbursement policy: Free choice of healthcare providers
Read more about basic health insurance on the national healthcare website.
Interested in supplementary insurance?
If you would like coverage for care that is not included in the basic insurance policy (i.e. physiotherapy, dental, alternative healthcare, travel coverage) you can take out supplementary insurance. See the steps below:
- Check which type of coverage you have on your VGZ Care app or find your group coverage on the VGZ Collectief website (in Dutch).
- If you are covered by group insurance please check VGZ Werkt.
- If you are covered by VGZ Instap, Goed, Beter, Best, see the summary below and read more about your policy information.
- Choose your desired supplementary coverage option(s). See in the menu above under Service & Contact for an application form.
VGZ
Werkt Instap
example with 10% group discount
5,95
5,35
per month
- Physiotherapie
6 sessions per year - 75 euro to spend on prevention like a health test, medical sports advice or a First aid course
- Urgent medical care abroad and medically required transport back to the Netherlands during urgent care
- Accommodation costs for one room (e.g. a Ronald McDonald house)
- Access to our Healthy life platform (Gezond leven platform)
- €10,000 cover for oral care following an accident
- No reimbursement for Mindfulness
- No reimbursement for alternative treatment methods
- No reimbursement for a new pair of glasses
VGZ
Werkt Goed
example with 10% group discount
12,35
11,11
per month
- Physiotherapie
9 sessions per year - 400 euro to spend on prevention like a health test, medical sports advice or a First aid course✪
- Urgent medical care abroad and medically required transport back to the Netherlands during urgent care
- Accommodation costs for one room (e.g. a Ronald McDonald house)
- Access to our Healthy life platform (Gezond leven platform)
- 350 euro Mindfulness per year
- 200 euro for alternative treatment methods per year
- No reimbursement for a new pair of glasses
VGZ
Werkt Beter
example with 10% group discount
27,65
24,88
per month
- Physiotherapie
16 sessions per year - 600 euro to spend on prevention like a health test, medical sports advice or a First aid course✪
- Urgent medical care abroad and medically required transport back to the Netherlands during urgent care
- Accommodation costs for one room (e.g. a Ronald McDonald house)
- Access to our Healthy life platform (Gezond leven platform)
- 350 euro Mindfulness per year
- 300 euro for alternative treatment methods per year
- One new pair of glasses every three years
VGZ
Werkt Best
example with 10% group discount
43,50
39,15
per month
- Physiotherapie
32 sessions per year - 700 euro to spend on prevention like a health test, medical sports advice or a First aid course✪
- Urgent medical care abroad and medically required transport back to the Netherlands during urgent care
- Accommodation costs for one room (e.g. a Ronald McDonald house)
- Access to our Healthy life platform (Gezond leven platform)
- 350 euro Mindfulness per year
- 500 euro for alternative treatment methods per year
- One new pair of glasses every three years
VGZ
Werkt Tand Goed
example with 10% group discount
15,50
13,95
per month
- 250 euro per year
- No reimbursement for orthodontics
VGZ
Werkt Tand Beter
example with 10% group discount
29,65
26,68
per month
- 650 euro per year ✪
- a one-off reimbursement of
€ 2.000 for orthodontics for people under 18. ✪ - a one-off reimbursement of € 500 for orthodontics for people from the age of 18.
VGZ
Werkt Tand Best
example with 10% group discount
53,95
48,55
per month
- 1.150 euro per year ✪
- a one-off reimbursement of
€ 3.000 for orthodontics for people under 18. ✪ - a one-off reimbursement of € 1.500 for orthodontics for people from the age of 18.
Moving or going to work in The Netherlands
When you live or work in The Netherlands you are required to have Dutch healthcare insurance. Make sure you have organized your health insurance in time.