Supplementary Insurance: VGZ Werkt

67% van alle Nederlanders profiteert van vele extra's en korting via een collectieve zorgverzekering via hun werk

The perfect collective healthcare insurance through your employer:

  • Group discount for the entire family
  • Many extras for a healthy lifestyle
  • Extra generous payments for mindfulness, physiotherapy and dental care, incl. orthodontics
If you are insured as part of a group scheme through your employer, you have excellent cover. You will receive generous reimbursement payment, discounted premiums and many extras for a healthy lifestyle - all as part of our special supplementary insurance for the working population of the Netherlands: VGZ Werkt.

  Our basic insurance packages

Our basic insurance covers your main care. This includes your general practitioner, hospital and pharmacy. You can choose from three basic insurance packages. There are differences in the reimbursement payments you receive for care providers who do not have a contract with us.
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

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

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

Aanvullende verzekeringen Choose supplementary insurance that suits you

You can choose from 4 supplementary insurances. Please see below for some of the main reimbursement payments. 

Please note: the prices set out below do not include the group discount via your employer. Find your group to see if you can benefit from discounts via your employer.

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

11,30

10,17

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

24,90

22,41

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

40,75

36,67

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

These payments include extra treatments or budget in comparison to 
our standard supplementary insurances VGZ Goed, VGZ Beter, VGZ Best

Tandartsverzekering iconDental care insurances

Do you have to visit the dentist, dental hygienist or orthodontist, but don't want to worry about the bill? Then check out our three additional dental insurance policies. Did you know that for children younger than 18 years the basic health insurance covers dental care except orthodontics? So if your child will soon require a brace, you can consider the dental care insurance policies 'Werkt Tand Beter' or 'Werkt Tand Best'.

VGZ Tand Goed

VGZ
Werkt Tand Goed

example with 10% group discount

14,70

13,23

per month


  • 250 euro per year
  • No reimbursement for orthodontics

VGZ Tand Beter

VGZ
Werkt Tand Beter

example with 10% group discount

26,95

24,25

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 Tand Best

VGZ
Werkt Tand Best

example with 10% group discount

51,20

46,08

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.

With these reimbursements you will receive extra treatments or budget compared to
our standard supplementary dental insurance policies VGZ Tand Beter and VGZ Tand Best

Please note: VGZ Tand Best has a waiting period of 1 year for crowns, bridges, implants, partial dentures and orthodontics. 

Are you switching? No sooner said than done!

Would you like to switch to us? We make it easy for you. Choose a package that suits you. Calculate your premium. And immediately take out your health insurance online. We arrange the rest.

  • We will cancel your current insurance for you
  • You have 14 days cooling-off period
  • Children up to the age of 18 are insured free of charge

You can calculate your premium and take out a health insurance for 2021. The pages are in Dutch, sorry for the inconvenience.

If you wish to send your application form by post, you can download the English application form: VGZ Werkt application form

The main reimbursements

VGZ Werkt consists of three variants of the supplementary insurance policy and three variants of the dental care insurance policy. 

Take a look at our reimbursement overview if you would like to find out more.

Policy conditions VGZ Werkt

Review the policy conditions of VGZ Werkt if you want more information regarding this supplementary insurance policy.