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VGZ collective healthcare
insurance via H&M

With extra benefits for a healthy lifestyle

More than well insured through your employer

Opting for group insurance with Coöperatie VGZ through H&M? Then you have a choice of 2 different insurance policies: VGZ and VGZbewuzt.

You are excellently insured through VGZ: you will receive generous benefits, discounts on your supplementary insurance and many extras to help you live a healthy lifestyle. Like our comprehensive Healthy Living platform, including the VGZ Mindfulness Coach and the VGZ Supple and Strong Coach. You get these extras with our special supplementary insurance for Dutch employees: VGZ Werkt.
Do you expect to need little care and prefer to arrange everything online? Then there is VGZbewuzt: the digital health insurance of Coöperatie VGZ. VGZbewuzt offers fewer options compared to VGZ and reimbursements are less extensive. The upside is that you can count on a competitively priced premium.

VGZ

Insure yourself with VGZ

From € 132,95

  • Choice of 3 basic insurances
  • 100% reimbursement for healthcare providers with a contract
  • 70% or more reimbursement for healthcare providers without a contract
  • Choice of 4 VGZ Werkt supplementary insurances
  • Choice of 3 VGZ Werkt dental insurances
  • Group discount on supplementary insurance for the whole family
  • Extra coverage for physiotherapy and oral care including orthodontics
  • Extra prevention budget for e.g. a lifestyle check or first-aid course
  • Helping you live healthier with apps, workshops and extras on Gezond Leven (in Dutch), including the VGZ Mindfulness Coach app
  • Medicine delivered free to your home via our online pharmacy
  • VGZ app: everything to do with your health and care always at hand

VGZbewuzt

Insure yourself with VGZbewuzt

From € 127,45

  • 1 basic insurance
  • 100% reimbursement for healthcare providers with a contract
  • 65% or more reimbursement for healthcare providers without a contract
  • Choice of 3 supplementary bundles: bewuzt actief, bewuzt fit and bewuzt gezond.
  • Free dental accident insurance with a supplementary bundle
  • Free access to digital services such as the VGZ Mindfulness Coach app
  • Medicine delivered free to your home via our online pharmacy
  • VGZbewuzt app: your health and care arranged super fast

You can calculate your premium for VGZbewuzt in Dutch only

Supplementary insurance

Do you expect to need little care? Then we offer VGZbewuzt. With a competitive premium due to less extensive reimbursements. VGZ has more supplementary insurance policies with more generous reimbursements for pregnancy or braces, for example. Via VGZ you are well insured with a special supplementary insurance for the working Netherlands: VGZ Werkt.

VGZ supplementary insurance

  • Physiotherapy
  • Emergency care abroad
  • Preventive care
  • Dental care
  • Orthodontics
  • Additional pregnancy reimbursements
  • Alternative care
  • Glasses and lenses
  • Substitute informal care

VGZbewuzt supplementary insurance

  • Physiotherapy
  • Emergency care abroad
  • Preventive care
  • Dental care
  • Orthodontics
  • Additional pregnancy reimbursements
  • Alternative care
  • Glasses and lenses
  • Substitute informal care

A healthier Netherlands, for everyone

If you choose us through your employer, you will support our movement to make the Netherlands healthier. We help you make healthier living just that little bit easier. And of course, you are quite simply well insured with us. Do you need care? Then we will determine together what suits you best.

Extra digital health services for VGZ and VGZbewuzt

Man listening to mindful music

VGZ Mindfulness Coach app (in Dutch)

Mindfulness at any time? Our app offers a special program and also individual exercises. Practicing mindfulness offers benefits such as better sleep and more energy. Moreover, you can adjust the app to your personal preferences.
Woman ordering medicin online

The online pharmacy (in Dutch)

A regular pharmacy, but online. This means we deliver your straight to your door. For free. Arrange everything for your medicines via a handy app. By dealing smartly with digital options, we offer you convenience and we keep healthcare accessible and affordable.

Frequently asked questions

  • You get the same quality at VGZbewuzt as at VGZ. Do you need care? Then we will help you find the best suitable care. We also pay your claims at lightning speed, and you can easily arrange all your health and care matters through our app.
  • Starting 1 January 2023, the government has changed the law: you will no longer be able to receive a discount on your basic insurance. This pertains to all health insurers. You will still receive a discount on supplementary insurances at VGZ if you keep your collective insurance.
  • Group discounts are expiring on basic insurance only. The discount on supplementary and dental insurance will remain. In addition, with supplementary insurance, you get additional reimbursements for physiotherapy, mental resilience and a generous prevention budget. And extra reimbursements for oral care and orthodontics with some dental insurances.

    Collective health insurance is more than just insurance with a discount. As a cooperative, we work together to create a healthier Netherlands and future-proof health care. Care that is and remains good, accessible and affordable. Therefore, together with parties such as employers, municipalities and other organisations, we have developed tailor-made agreements, specific coverage and services especially for collective insurance participants.

    Customisation allows us to tailor care even better to your needs. With our collective insurance policies, you are more than well insured. And so is your family. Now and in the future.

  • You will still receive a discount on supplementary and dental insurance. Wondering which group discount applies to you? Find your group insurance with the right discount in our collective search
  • Yes, your family will also benefit from the group discount on supplementary and dental insurance. And from the other benefits. As will your children: up to 18 years, they are co-insured for free.
  • Would you like to know whether you can benefit from collective insurance through your employer, member or patient organisation, as a self-employed person or through your municipality? See which collective insurance best suits your situation. Search for your group insurance here.
  • Have you taken out collective health insurance through your current employer? If you change jobs, it is possible to switch health insurance during the year. This is possible if your new employer also offers a collective health insurance.
  • It is possible to switch to collective health insurance through your employer, member or patient organisations, as a self-employed person or through your municipality. This can often be done by 1 January. In some cases, you can also switch to a VGZ insurance during the year.

    1. You are already insured at VGZ and want to add a collective to your insurance. You can easily add a collective in your Mijn VGZ account.
    2. You are collectively insured somewhere else. In this case you have 30 days to switch to VGZ. We will cancel your current insurance for you!

    If you are not collectivley insured at another healthcare insurer, then you are not able to switch during the year. 

  • You can arrange this easily and quickly in Mijn VGZ. In Mijn VGZ, go to Insurances and choose ''change collective insurance''.
  • Changing your supplementary insurance or excess can be done every year from 12 November to 31 January. Did you cancel your health insurance yourself before 31 December? Then you can take out a new health insurance with us until 31 January. You sometimes don't have to wait until this time of year. For example, if you have a new job and want to switch to collective health insurance with VGZ. Or when you retire.

VGZ insured customers rate us a 7,9:  feedback stars 7,9  3136 reviews