Our Insurances
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):
Swipe the packages from left to right
VGZ Basis Keuze
In-kind insurance
€132,95
per month
with 385 euro mandatory excess
100% covered by all
contracted hospitals and
healthcare providers
70% covered by
non-contracted hospitals
and healthcare providers
- GP (general practitioner)
always covered
VGZ Ruime Keuze
In-kind insurance
€141,95
per month
with 385 euro mandatory excess
100% covered by all
contracted hospitals and
healthcare providers
80% covered by
non-contracted hospitals
and healthcare providers
- GP (general practitioner)
always covered
VGZ Eigen Keuze
Combination insurance
€153,65
per month
with 385 euro mandatory excess
100% covered by all
contracted and non-contracted
hospitals and healthcare providers
90% covered by
non-contracted
healthcare providers
in mental healthcare and
nursing & care
- GP (general practitioner)
always covered
Read more about basic health insurance on the national healthcare website.
Add supplementary insurance
Would you like coverage for care that is not included in the basic insurance policy? Check out our VGZ Werkt supplementary insurance packages.
Swipe the packages from left to right
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
€13,40
€12,06
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
€29,59
€26,63
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
€46,35
€41,71
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
Add dental insurance
Interested in extra coverage for your dental care? Our dental insuraces packages are a great option.
Swipe the packages from left to right
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
€32,30
€29,07
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.
{"key":"qualification period","title":"Dental care - qualification period","content":"\u003cp\u003ePlease note: for some reimbursments we have a 12-month qualification period. You qualify for no or less qualification period.\u003c/p\u003e\n\u003cul class=\u0022lijst-linkjes\u0022\u003e\n \u003cli\u003e\u003ca href=\u0022https://www.vgz.nl/service-en-contact/veelgestelde-vragen/wachttijd\u0022\u003eRead more about the qualification period (in Dutch).\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"}
VGZ
Werkt Tand Best
example with 10% group discount
€57,70
€51,93
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.
{"key":"qualification period","title":"Dental care - qualification period","content":"\u003cp\u003ePlease note: for some reimbursments we have a 12-month qualification period. You qualify for no or less qualification period.\u003c/p\u003e\n\u003cul class=\u0022lijst-linkjes\u0022\u003e\n \u003cli\u003e\u003ca href=\u0022https://www.vgz.nl/service-en-contact/veelgestelde-vragen/wachttijd\u0022\u003eRead more about the qualification period (in Dutch).\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"}{"key":"qualification period","title":"Dental care - qualification period","content":"\u003cp\u003ePlease note: for some reimbursments we have a 12-month qualification period. You qualify for no or less qualification period.\u003c/p\u003e\n\u003cul class=\u0022lijst-linkjes\u0022\u003e\n \u003cli\u003e\u003ca href=\u0022https://www.vgz.nl/service-en-contact/veelgestelde-vragen/wachttijd\u0022\u003eRead more about the qualification period (in Dutch).\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e"}
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.