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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% 100% covered by all
   contracted hospitals and
           healthcare providers

70% 70% covered by 
           non-contracted hospitals
           and healthcare providers

  •  GP (general practitioner)
     always covered

Choose VGZ Basis Keuze

VGZ Ruime Keuze

In-kind insurance

141,95

per month

with 385 euro mandatory excess


100% 100% covered by all

contracted hospitals and
healthcare providers

80% 80% covered by

non-contracted hospitals
and healthcare providers

  •  GP (general practitioner)
     always covered

Choose VGZ Ruime Keuze

VGZ Eigen Keuze

Combination insurance

153,65

per month

with 385 euro mandatory excess


100% 100% covered by all

contracted and non-contracted
hospitals and healthcare providers

Exception:

100% 90% covered by

non-contracted
healthcare providers
in mental healthcare and
nursing & care

  •  GP (general practitioner)
     always covered

Choose VGZ Eigen Keuze


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

Choose VGZ Werkt Instap

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

Choose VGZ Werkt Goed

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

Choose VGZ Werkt Beter

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

Choose VGZ Werkt Best

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.

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.

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.