Zilveren Kruis

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

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

• Health insurance
• Basic health insurance
• Supplementary insurance
• Dental insurance
• Collective group insurance

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

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: 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

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core 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

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Two partnerships are on record, tiered minor and core.

• IndependerminorChannel Partner/ Reseller/ DistributorIndepender 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.
• AchmeacoreOthersZilveren 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

Direct 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

• Xx.com/zilverenkruis
• Facebookfacebook.com/zilverenkruis

Revenue estimate

Valuation estimate

Number of profiles

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 Zilveren Kruis