ENO Zorgverzekeringen

What ENO Zorgverzekeringen does

ENO Zorgverzekeringen is a Dutch regional health insurer operating under the holding entity Salland Zorgverzekeraar, headquartered in Deventer, Netherlands, with origins dating to 1860. It delivers basic and supplemental health insurance to Dutch residents, long-term care (Wlz) coordination in the Salland region through Salland Zorgkantoor, and health insurance for international workers temporarily in the Netherlands through the HollandZorg brand. The revenue model is subscription/recurring, generated through health insurance premiums collected from policyholders, with pricing subject to Dutch regulatory oversight.

The company operates a multi-brand portfolio of three core products (Salland Zorgverzekeringen, HollandZorg, and Salland Zorgkantoor) and offers supporting healthcare services such as the BeweegSpreekuur (an exercise consultation that reports preventing 86% of hospital referrals) and a newly launched proactive waiting list mediation service. Distribution is primarily direct-to-consumer via digital channels (salland.nl and dedicated brand sites) with a regional field presence for Wlz care coordination, supported by ongoing contractual partnerships with healthcare providers formalised in an annual Zorginkoopbeleid procurement policy.

The firm describes itself as a 'middelgrote financiële instelling' (mid-sized financial institution) with 101–250 employees, structurally small relative to the four large players that dominate the Dutch health insurance market. No AI/ML technology, proprietary platform, API, or app is disclosed, and the company has not raised external funding; it operates as a private, for-profit insurer with no public parent company. Strategic activity in 2026 centres on service-level innovation (waiting list mediation, BeweegSpreekuur), regional healthcare transformation, and stakeholder communication via the annual report.

Name

ENO Zorgverzekeringen

Legal name

Salland Zorgverzekeraar

Website

https://eno.nl

Company type

Private

Founded year

1860

Operating status

Operating

Headcount range

101–250 employees

Short description

ENO Zorgverzekeringen is a Deventer-based Dutch regional health insurer (under Salland Zorgverzekeraar) offering basic and supplemental health insurance to Dutch residents, Wlz long-term care coordination in the Salland region, and international worker coverage through its HollandZorg brand, funded by recurring premiums.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Life Insurance (6311)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Care Management & Population Health Program Administration (HLAEALAG), Administrative Services Only (ASO) for Employers (HLAEAAAD)

Keywords

• Health insurance
• Supplemental insurance
• Long-term care coordination
• International health insurance
• Regional health insurer

Headquarters

HQ city

Deventer

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: ENO Zorgverzekeringen generates revenue through collecting health insurance premiums from policyholders. As a Dutch health insurer, the company collects recurring premiums for basic and supplemental health insurance coverage, providing sustainable, accessible, and affordable healthcare for everyone in the Netherlands.

Distribution channels3 records

Marketing channels4 records

Core offering

ENO Zorgverzekeringen is a Dutch health insurance brand under Salland Zorgverzekeraar that provides basic and supplemental health insurance coverage for Dutch residents. The company also operates HollandZorg for international workers in the Netherlands and Salland Zorgkantoor for coordinating long-term care (Wlz) for residents in the Salland region. Additional healthcare services include the BeweegSpreekuur exercise consultation and waiting list mediation support.

Product overview

Salland Zorgverzekeraar operates a multi-brand health insurance portfolio consisting of three core products: Salland Zorgverzekeringen (main health insurance for Dutch residents), HollandZorg (international worker health insurance), and Salland Zorgkantoor (long-term care services for Wlz beneficiaries in the Salland region). The organization also offers healthcare services such as the BeweegSpreekuur (exercise consultation) and wachttijdbemiddeling (waiting list mediation) to support accessible and timely care delivery.

Differentiator

Problem solved

Functional benefit

Products and services

• Salland Zorgverzekeringen Core health insurance brand offering sustainable, accessible, and affordable healthcare coverage for everyone in the Netherlands.
• HollandZorg Health insurance brand providing best-fitting healthcare coverage for internationally working individuals, serving both employees and employers in the Netherlands.
• Salland Zorgkantoor Care office providing inhabitants in the Salland region with healthcare they need under the Wet Langdurige zorg (Wlz) long-term care indication.
• BeweegSpreekuur Exercise consultation service that prevents hospital referrals for patients with movement complaints, with 86% of hospital referrals avoided at this consultation.

Quantifiable outcome

• 86% of hospital referrals are prevented at the BeweegSpreekuur (Exercise Consultation)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Healthcare Providers (zorgaanbieders)coreStrategic or Co-development PartnerSalland Zorgverzekeraar (parent of ENO Zorgverzekeringen) maintains ongoing partnerships with healthcare providers through their zorginkoopbeleid (healthcare purchasing policy). They collaborate with providers to ensure accessible, affordable, and quality healthcare, publishing annual healthcare purchasing policies and maintaining active engagement with providers on declarations, contracting, and regional healthcare transformation initiatives.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Allianz Care: International health insurance provider serving expatriates and globally mobile workers across Europe. Comparable to the HollandZorg line of business specifically, given shared focus on cross-border health coverage for international employees.
• CZ: Top-five Dutch health insurer serving individual and group customers with basic and supplemental coverage. Comparable business model and regulatory environment, with greater national scale and brand recognition.
• VGZ: Major Dutch health insurance group operating the VGZ, IZA, UMC, and Univé brands. Comparable as a direct health insurance carrier in the same Dutch market with similar basic + supplemental offering, but operating at substantially larger scale.
• Menzis: Dutch health insurer with a strong regional base in the eastern Netherlands (overlapping Salland's geographic footprint) plus national reach. Comparable product set and similar member-segment focus, with larger overall scale.
• Zilveren Kruis (Achmea): Largest Dutch health insurer and part of the Achmea group, offering basic and supplemental health insurance nationwide. Comparable as a direct health insurance peer but with significantly greater scale, broader brand portfolio (Interpolis, FBTO, De Friesland), and stronger provider bargaining power.

Direct peers

• ONVZ: Mid-sized Dutch health insurer focused on supplemental and basic coverage with an emphasis on personal service and quality. Closely comparable in scale, independent positioning, and member-experience-led differentiation.
• HollandZorg: Brand of Salland Zorgverzekeraar specializing in health insurance for international workers. Listed as a peer to capture the niche competitor set for this specific product line, including expat-focused offerings from insurers such as Allianz Care.
• Zorg en Zekerheid: Regional Dutch health insurer with strong roots in the Leiden / Zuid-Holland area. Comparable as a regionally anchored mid-sized carrier offering basic and supplemental plans in a regulated environment.
• a.s.r. Zorg: Dutch health insurance arm of ASR Nederland, offering basic and supplemental plans. Comparable as a mid-tier Dutch health insurer competing in the same regulated market with overlapping product structure.
• DSW Zorgverzekeraar: Independent mid-sized Dutch health insurer headquartered in Schiedam. Comparable as a smaller, independent carrier competing against the dominant national groups with a regional service-led proposition — directly analogous to ENO/Salland's positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Eno_corporate
• LinkedInlinkedin.com/company/eno-zorgverzekeraar

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 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 ENO Zorgverzekeringen