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
120,90
116,06
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
124,45
119,47
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
132,20
126,91
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 Aanvullend Instapfrom € 5,95
Covers 6 physiotherapy sessions, for example.
VGZ Aanvullend Goed from € 10,80
Covers 9 physiotherapy sessions, for example.
VGZ Aanvullend Beter from € 22,10
Covers 16 physiotherapy sessions, for example.
VGZ Aanvullend Best from € 37,95
Covers 20 physiotherapy sessions, for example.
VGZ Tand Goed from € 14,70
Covers dental care up to maximum € 250, for example.
VGZ Tand Beter from € 23,75
Covers dental care up to maximum € 500, for example.
VGZ Tand Best from € 46,45
Covers dental care up to maximum € 1.000, for example.
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.