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

VGZ Basis Keuze

example with 4% group discount

120,90

116,06

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

124,45

119,47

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

VGZ Eigen Keuze

example with 4% group discount

132,20

126,91

per month


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

100 procent vergoed bij zorgaanbieders 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.
Supplementary insurance

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.

Dental insurance

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.