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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% 100% covered by all
   contracted hospitals and
           healthcare providers

70% 70% covered by 
           non-contracted hospitals and

           healthcare providers

  •       The GP (general practitioner)
           is always covered

Choose VGZ Basis Keuze

with € 385 mandatory excess

VGZ Ruime Keuze is the most popular choice

VGZ Ruime Keuze

example with 4% group discount

132,65

127,34

per month


100% 100% covered by all
   contracted hospitals and
           healthcare providers

80% 80% covered by 
           non-contracted hospitals and

           healthcare providers

  •       The GP (general practitioner)
           is always covered

Choose VGZ Ruime Keuze

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 100% covered by all
   contracted hospitals and
           healthcare providers

100% covered 100% covered by 
           non-contracted hospitals and

           healthcare providers

  •       The GP (general practitioner)
           is always covered

Choose VGZ Eigen Keuze

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:

  1. Check which type of coverage you have on your VGZ Care app or find your group coverage on the VGZ Collectief website (in Dutch).
  2. If you are covered by group insurance please check VGZ Werkt.
  3. If you are covered by VGZ Instap, Goed, Beter, Best, see the summary below and read more about your policy information.
  4. Choose your desired supplementary coverage option(s). See in the menu above under Service & Contact for an application form.
VGZ Aanvullende verzekering Werkt Instap

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

Choose VGZ Werkt Instap

VGZ Aanvullende verzekering Werkt Goed

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

Choose VGZ Werkt Goed

VGZ Aanvullende verzekering Werkt Beter

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

Choose VGZ Werkt Beter

VGZ Aanvullende verzekering Werkt Best

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

Choose VGZ Werkt Best

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.