Menzis

What Menzis does

Menzis is a Dutch cooperative health insurance group operating under Coöperatie Menzis U.A., headquartered in Wageningen with offices in Enschede and regional presence across Noord, Midden, and Twente. The group serves over 1.4 million insured members in the Netherlands through three brands — Menzis (mainstream), VinkVink (budget), and Anderzorg (supplementary) — under two risk-bearing entities: Menzis Zorgverzekeraar N.V. for mandatory basic insurance (Basisverzekering) and Menzis N.V. for supplementary, dental, and travel products. Menzis holds contracts with over 83,000 healthcare providers and offers the Menzis App (iOS/Android), the Mijn Menzis portal (DigiD + SMS-secured), the Zorgvinder provider search tool, and free wait list mediation services that achieved a 122-day average wait time reduction for 7,500+ members in 2025 with a 94% success rate.

The business model is subscription-based recurring premiums, with the 2026 basic premium held flat at €156.25/month (unchanged from 2025) alongside a €385 annual compulsory deductible and modular add-ons such as the €1.99/month Buitenland en Tandongeval (overseas and dental accident) coverage. Distribution combines direct digital channels (website, app, chatbot), employer collective schemes, insurance intermediaries, and a distinctive mobile office that travels to underserved regions. Member benefits — including Strava Premium discounts, a €75 Brillenvoucher, Therapieland mental health self-help, and the EMMI menopause support app — extend the proposition beyond pure insurance toward vitality and wellness.

Menzis collects healthcare utilization data across its 1.4 million members and partners with Vektis for industry claims analytics and Vecozo for provider-side electronic claims submission. AI is deployed for NLP-based call summarization in customer service and rules-based automation of authorization and claims decisions, both subject to human review. Cooperative governance through the Ledenraad (Members' Council) means surplus is returned to members rather than distributed to external shareholders, with approximately €60 million from own funds returned in 2026.

Name

Menzis

Legal name

Menzis Zorgverzekeraar N.V.

Website

https://menzis.nl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Menzis is a Dutch cooperative health insurance group serving 1.4 million members through the Menzis, VinkVink, and Anderzorg brands, offering mandatory basic insurance plus supplementary, dental, and travel products, supported by an 83,000-provider network and digital self-service platform.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Group HMO Plans (FSAIAFAK), Individual Dental Insurance (FSAIAEAE), Worksite Dental Insurance (FSAIAMAG)

Keywords

• Health insurance services
• Supplementary insurance
• Dental insurance
• Collective insurance schemes
• Healthcare coverage

Headquarters

HQ city

Enschede

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: Menzis generates revenue primarily through monthly health insurance premiums from individual policyholders and collective insurance schemes through employers. The basic health insurance (Basisverzekering) is mandatory under Dutch law, and Menzis offers supplementary and dental insurance products as add-ons.
2. Supplementary Insurance Products: Additional revenue from supplementary health insurance, dental insurance, and travel insurance products sold to existing policyholders.
3. Collective Insurance Schemes: Revenue from employer-sponsored collective insurance agreements offering group discounts to employees.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Menzis is a Dutch health insurance cooperative that issues the legally mandatory basic health insurance (Basisverzekering) and sells modular supplementary, dental, and travel insurance products to more than 1.4 million Dutch residents. It also administers long-term care (Wlz) through the Menzis Zorgkantoor and offers collective insurance schemes to employers, distributing its products through the Menzis, VinkVink, and Anderzorg brands.

Product overview

Menzis is a Dutch health insurance cooperative offering a multi-brand portfolio under Coöperatie Menzis. The core offering consists of mandatory basic health insurance (Basisverzekering) through the Menzis, VinkVink, and Anderzorg brands, supplemented by a modular system of add-on products including dental insurance, supplementary coverage, travel insurance (via Unigarant), and group/employer plans. On the digital side, Menzis operates a platform ecosystem comprising the Menzis App (iOS/Android), the Mijn Menzis online portal (secured with DigiD + SMS two-factor authentication), the Zorgvinder provider search tool, and the Zorgadvies intake/bemiddeling platform. Member benefits include Strava Premium discounts (50%), Brillenvoucher (up to €75 for glasses), Therapieland self-help programs, and the EMMI menopause app. The FysioZelfCheck app supports physiotherapy self-assessment. The Menzis Zorggids Podcast provides health education content. The MenzisFonds supports community health initiatives. Menzis also publishes annual care procurement policies (Zorginkoopbeleid) covering 12 care categories and provides free waiting list mediation (Wachtlijstbemiddeling) to all insured members.

Differentiator

Problem solved

Functional benefit

Products and services

• Menzis Basisverzekering Legally mandatory Dutch basic health insurance covering essential medical care including GP visits, hospital care, prescribed medications, and specialist treatment; available to all Dutch residents regardless of age or health status.
• Menzis Aanvullende Verzekering
• Menzis Tandartsverzekering
• Menzis Basis Vrij
• Collectieve Zorgverzekering
• Reisverzekering bij Unigarant
• Anderzorg
• VinkVink
• Menzis App
• FysioZelfCheck App
• EMMI App Menopause-support mobile application providing reliable information, guidance, and tools for women experiencing menopause, available as a member benefit.
• Menzis Zorgkantoor

Quantifiable outcome

• 94% success rate in wait list mediation, reducing wait times by average 122 days (17 weeks) for 7,500+ members in 2025
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

AI capability3 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Coöperatie Menzis U.A.coreOthersCoöperatie Menzis U.A. is the umbrella cooperative organization that encompasses all Menzis legal entities including Menzis Zorgverzekeraar N.V. and Menzis N.V. The cooperative structure provides governance through a Members' Council and connects the various Menzis brands.
• VinkVinkminorOthersVinkVink is a budget health insurance brand offered under Menzis Zorgverzekeraar N.V. for basic insurance and Menzis N.V. for supplementary insurance.
• AnderzorgminorOthersAnderzorg is a supplementary health insurance brand offered under Menzis N.V., part of the Coöperatie Menzis group.
• Healthcare Providers Network (83,000+)coreStrategic or Co-development PartnerMenzis contracts with over 83,000 healthcare providers including hospitals, doctors, physiotherapists, mental health providers, and other medical professionals to provide covered care to insured members.
• VecozocoreTechnology or IntegrationVecozo provides digital infrastructure for healthcare providers to verify insurance coverage (Controle op Verzekeringsgegevens - COV) and submit electronic claims to Menzis and other Dutch insurers.
• VektiscoreTechnology or IntegrationVektis supports healthcare professionals, patient organizations, and government bodies in improving healthcare accessibility and affordability in the Netherlands through analysis of claim data and data provision for research purposes.
• Twentse KoerscoreStrategic or Co-development PartnerRegional collaboration in Twente involving Menzis, 14 Twentse municipalities, Province of Overijssel, and GGD Twente working to improve health and wellbeing of Twente residents.
• MenzisFondsminorOthersInitiated by the Members' Council in 2018, MenzisFonds provides funding for small-scale societal initiatives in healthcare and wellbeing across Menzis regions, supporting associations, foundations, and organizations with community projects.
• StravaminorGTM or Marketing PartnerPartnership offering Menzis members 50% discount on Strava Premium subscription as part of health and vitality benefits.
• TherapielandminorGTM or Marketing PartnerOnline mental health program provider offering self-help programs free for Menzis members through the Menzis app for users experiencing emotional difficulties.
• Regio Noord MunicipalitiescoreStrategic or Co-development PartnerRegional collaboration in Groningen province involving municipalities, healthcare providers, and Menzis for healthcare transformation and community health initiatives.
• Regio Midden OrganizationscoreStrategic or Co-development PartnerRegional collaboration in Arnhem, Gelderse Vallei, and Rivierenland areas involving municipalities and healthcare organizations working with Menzis on healthcare accessibility.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Univé: Dutch mutual insurer with health insurance as one of its product lines. Competes with Menzis in basic and supplementary coverage with a regional/mutual cooperative heritage similar to Menzis's cooperative DNA.
• CZ Zorgverzekeraar: One of the largest Dutch health insurers (OZF/CZ group) offering mandatory basic and supplementary insurance to individuals and employer collectives. Directly comparable to Menzis across product mix, distribution model, and Dutch market positioning.
• Zilveren Kruis (Achmea): The largest Dutch health insurer by insured members, part of Achmea. Directly competes with Menzis on basic and supplementary health insurance in the same Dutch mandatory market with overlapping collective scheme offerings.
• DSW Zorgverzekeraar: Smaller Dutch mutual health insurer offering basic and supplementary insurance. Comparable niche positioning to Menzis with a regional focus (Zuid-Holland) and a strong cooperative culture of stable premiums.
• ONVZ Zorgverzekeraar: Dutch health insurer targeting higher-income individuals and SMEs with supplementary insurance. Comparable to Menzis's supplementary insurance and collective scheme business, though more premium-segment focused.
• Coöperatie VGZ: Dutch cooperative health insurer (VGZ/IZA/Univé/IZA Cura) serving individual and employer customers. Structurally similar to Menzis as a member-owned cooperative with multi-brand strategy in the same regulatory environment.

Broad incumbents

• Achmea: Largest Dutch insurance group and parent of Zilveren Kruis, FBTO, De Friesland, and Interpolis. Overlaps with Menzis across health insurance and broader P&C/life, providing scale advantages Menzis cannot match.
• ASR Nederland: Major Dutch insurance group offering life, P&C, and some health coverage. A broad incumbent in Dutch insurance rather than a focused health-insurance peer, but competes for employer group benefits.
• Nationale-Nederlanden (NN Group): Large Dutch life and pensions insurer with limited health exposure. Adjacent incumbent competing for employer benefit budgets but not a direct basic-insurance competitor to Menzis.

Others

• Unigarant: Achmea-owned travel insurance specialist that is also Menzis's partner for Reisverzekering product. Adjacent rather than directly competing, but operates in overlapping distribution and service channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/menzis

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Menzis