Zilveren Kruis
- Company typePrivate
- Founded1949
- HeadquartersLeiden, Netherlands
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
Zilveren Kruis firmographics
Firmographics- Name
- Zilveren Kruis
- Legal name
- Zilveren Kruis
- Website
- https://Www.zilverenkruis.nl
- Company type
- Private
- Founded year
- 1949
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Zilveren Kruis industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industries
- Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Individual Dental Insurance (FSAIAEAE)
Keywords
Where Zilveren Kruis is headquartered
LocationHeadquarters
- HQ city
- Leiden
- HQ country
- Netherlands
- HQ region
- Europe
Markets served
Zilveren Kruis business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: Core revenue from mandatory basic health insurance (basisverzekering) premiums paid by individual policyholders. Premiums are regulated under Dutch healthcare law and supplemented by voluntary supplementary and dental insurance products. The company also generates revenue through collective group insurance schemes offered via employers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Health Insurance (Basisverzekering) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
Zilveren Kruis product offering
Product offeringCore offering
Zilveren Kruis is a Dutch health insurance provider selling mandatory basic health insurance (basisverzekering), voluntary supplementary insurance, dental insurance, and group/collective insurance to Dutch residents and employers. It also distributes property and casualty insurance (home, travel, auto) and operates a digital ecosystem (mobile app, customer portal) for claims, policy management, and care navigation services such as waiting-list mediation and care coaching.
Product overview
Zilveren Kruis is a Dutch health insurance company offering a multi-product portfolio centered around health insurance products. The core offering consists of the Basisverzekering (Basic Insurance) as the mandatory foundation, supplemented by Aanvullende verzekering (Supplementary Insurance) and Tandartsverzekering (Dental Insurance) as add-on modules. The company also provides sub-brands including ZieZo (budget option) and partnership brands through Aon Vitaal and Aon Asia. Beyond health coverage, Zilveren Kruis extends into property and casualty insurance including home, travel, and auto insurance. The digital ecosystem includes the Zilveren Kruis-app for claims submission and payments, Mijn Zilveren Kruis customer portal, ZelfZorgWijzer-app, and Actify-App for health tracking. Supporting services include Zorgzoeker (provider search), Zorgcoach (care guidance), and waiting list mediation for both mental health (GGZ) and hospital care (MSZ). The company also publishes the Gezonder Leven Magazine for health education. All services are accessible through the consumer website at zilverenkruis.nl.
Differentiator
Problem solved
Functional benefit
Brands
- ZieZo: Other insurance brand offering health insurance products.
- Aon Vitaal
- Aon Asia
Products and services
- Basisverzekering (Basic Health Insurance)
Quantifiable outcome
- 1 in 5 people in the Netherlands develop skin cancer — prevention campaign addresses this through 120+ sunscreen stations
- +1 more outcomes
Companies that use Zilveren Kruis
Customer profileSegments2 records
Ideal customer profiles2 records
Zilveren Kruis technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
Zilveren Kruis partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor and core.
- IndependerminorIndepender is a Dutch insurance comparison platform where Zilveren Kruis is listed. The platform displays Zilveren Kruis ratings (7.7/10) and allows consumers to compare and purchase policies. This is a standard marketplace listing rather than a formal partnership.
- AchmeacoreZilveren Kruis is a subsidiary brand of Achmea, the largest health insurer in the Netherlands. Achmea operates multiple insurance brands and provides corporate backing, shared services, and brand umbrella for Zilveren Kruis.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Zilveren Kruis competitors and assessment
Company assessmentDirect peers
- CZ: CZ is one of the largest Dutch health insurers, offering basisverzekering, supplementary, and dental insurance directly to Dutch consumers. It competes head-to-head with Zilveren Kruis for the same regulated basic insurance customer base.
- Univé: Univé is a Dutch cooperative insurer offering health, auto, home, and travel insurance products. It is a direct competitor to Zilveren Kruis in Dutch health insurance, with a comparable multi-line offering and group/collective schemes.
- ONVZ: ONVZ is a Dutch health insurer positioned at the higher end of the market, offering basisverzekering and premium supplementary insurance. It targets a similar Dutch consumer base with overlapping product offerings.
- DSW Zorgverzekeraar: DSW is a smaller Dutch health insurer offering basisverzekering and supplementary coverage, often cited as a quality-focused alternative. It competes with Zilveren Kruis on the same regulated basic insurance product.
- Menzis: Menzis is a Dutch health insurer serving individuals and groups with basisverzekering, supplementary, and dental coverage. It competes with Zilveren Kruis in the same regulated Dutch health insurance market with similar product structure.
- Coöperatie VGZ: VGZ is a major Dutch health insurance cooperative (operating brands like VGZ and IZA) offering the same regulated basic insurance plus supplementary and dental products. It is a direct competitor to Zilveren Kruis in the Dutch consumer health insurance market.
Others
- Achmea: Achmea is the parent insurance group of Zilveren Kruis and the largest health insurer in the Netherlands. It operates multiple brands (Zilveren Kruis, Interpolis, FBTO, De Friesland) and provides the corporate, capital, and shared-services backbone for Zilveren Kruis.
Broad incumbents
- ASR Nederland: ASR Nederland is a large Dutch insurance group offering life, P&C, and health insurance under multiple brands. It overlaps with Zilveren Kruis in Dutch health and P&C lines as part of a broader diversified insurance portfolio.
- NN Group: NN Group is a major Dutch-headquartered international financial services company offering life, pension, and investment products. While primarily life-focused, it operates in the same Dutch insurance landscape and competes for household insurance spend.
Emerging players
- Allianz Care: Allianz Care is the international health and life insurance arm of Allianz Partners, serving expatriates and international professionals globally. It is comparable to Zilveren Kruis's Aon Asia sub-brand offering — health insurance for international/expat segments — and represents an emerging adjacency in cross-border health coverage.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Zilveren Kruis social profiles
Digital presenceZilveren Kruis financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zilveren Kruis leadership team
Management profileNumber of profiles
Zilveren Kruis funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zilveren Kruis M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zilveren Kruis
What does Zilveren Kruis do?
Zilveren Kruis is a Dutch health insurance provider selling mandatory basic health insurance (basisverzekering), voluntary supplementary insurance, dental insurance, and group/collective insurance to Dutch residents and employers. It also distributes property and casualty insurance (home, travel, auto) and operates a digital ecosystem (mobile app, customer portal) for claims, policy management, and care navigation services such as waiting-list mediation and care coaching.
Is Zilveren Kruis a public or private company?
Zilveren Kruis is a private company. It is classified as corporate owned and is currently operating.
When was Zilveren Kruis founded?
Zilveren Kruis was founded in 1949. It employs 5,001 to 10,000 people.
Where is Zilveren Kruis based?
Zilveren Kruis is headquartered in Leiden, Netherlands, in the Europe region.
How does Zilveren Kruis make money?
One revenue line is on record: health Insurance Premiums.
Who are Zilveren Kruis's main competitors?
Direct peers on record are CZ, Univé, ONVZ, DSW Zorgverzekeraar, Menzis and Coöperatie VGZ. Achmea is listed as an others. Broad incumbents are ASR Nederland and NN Group. Allianz Care is listed as an emerging player.
Does Zilveren Kruis have an API?
No public API is recorded for Zilveren Kruis.
What industry is Zilveren Kruis in?
Zilveren Kruis's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAD, Small Group Health Insurance (2–50/100), with a secondary code of FSAIAFAB, Self-Funded (ASO) Group Health Plans & Stop-Loss. Its NAICS code is 524114 and its SIC code is 6321.