Zorg en Zekerheid

What Zorg en Zekerheid does

Zorg en Zekerheid is a Dutch regional health insurer headquartered in Leiden, Netherlands, operating continuously for over 200 years as a non-profit under the Dutch Healthcare Insurance Act (Zorgverzekeringswet). The company serves more than 500,000 insured individuals, primarily in South Holland Noord, Amstelland, and Haarlemmermeer, offering three basic insurance variants (Zorg Gemak Polis at €150.45/month, Zorg Zeker Polis at €156.75/month, and Zorg Vrij Polis at €166.50/month) plus eleven supplementary insurance products and modules including the unique AV-Delen dental reimbursement sharing add-on. Distribution combines digital self-service (MijnZZ portal and mobile app), telephone support, a physical Leiden service point, senior relationship managers for employer collective contracts, and 27 municipality partnerships for the gemeentepolis subsidized low-income product.

The technology stack centers on the MijnZZ customer portal and mobile application for policy management, claims submission, and digital insurance cards, hosted on AWS infrastructure. Claims exchange and insurance verification are handled through VECOZO's Insurance Data Monitoring Service (COV), while Vektis provides expense claims analytics. Care quality programs include Mirror Information (Spiegelinformatie) feedback to GPs on referral patterns, Diagnostic Consultation (Diagnostisch Toets Overleg) with clinical chemists, and a care advice and mediation team that reduces waiting times for hospital, district nursing, and mental healthcare. The Zorgzoeker provider finder and Vergoedingenzoeker reimbursement finder complete the digital service layer.

The business model is recurring monthly subscription premiums across basic and supplementary insurance tiers, with voluntary excess up to €500 reducing premiums and collective/municipality channels offering group discounts. Revenue mechanics include basic insurance premiums (the largest stream by far), supplementary premiums, voluntary excess contributions, and municipal co-payments for the gemeentepolis product. Customer segments span individual consumers, families (with 7% discount on AV-GeZZin), young adults (AV-Sure), seniors 60+ (AV-Plus), employer groups, and low-income residents via municipal partnerships. The company maintains 200+ community health projects and reports an 8.1/10 customer satisfaction score in the KlantMonitor Zorgverzekeringen 2026.

Name

Zorg en Zekerheid

Legal name

Zorg en Zekerheid

Website

https://zorgenzekerheid.nl

Company type

Private

Founded year

1820

Operating status

Operating

Headcount range

251–500 employees

Short description

Zorg en Zekerheid is a 200+ year-old Dutch regional non-profit health insurer based in Leiden, serving 500,000+ insured individuals across 27 municipalities with mandatory basic insurance, supplementary coverage, municipal collective policies, and digital self-service through the MijnZZ portal and mobile app.

Ownership category

akta.pro rank

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Basic Health Insurance Premiums: Mandatory Dutch basic health insurance (basisverzekering) generates recurring monthly premiums. Three variants: Zorg Gemak Polis (€150.45/month), Zorg Zeker Polis (€156.75/month), and Zorg Vrij Polis (€166.50/month). Compulsory deductible of €385 applies. All Dutch residents are legally required to have basic health insurance, making this the primary revenue stream.
2. Supplementary Health Insurance Premiums: Optional supplementary insurance (aanvullende verzekering) products sold on top of basic insurance: AV-Gemak (€21.20), AV-Gemak Regio (€17.00), AV-Basis (€17.05), AV-Standaard (€25.55), AV-Standaard Regio (€20.20), AV-Top (€54.20), AV-Plus (€58.50), AV-GeZZin (€66.50), AV-Sure (€24.95), and specialized municipality variants. These generate additional recurring monthly revenue.
3. Voluntary Excess Contributions: Customers can voluntarily increase their deductible up to €500 for premium discounts. This generates upfront premium payments and reduces claims costs.
4. Collective/Group Insurance Premiums: Employers and associations receive collective discounts on supplementary insurance premiums. Municipalities co-pay premiums for low-income residents under the gemeentepolis. This channel represents over 500,000 insured individuals.
5. Module Buitenland (Foreign Coverage Module): Optional €2/month module providing 100% worldwide coverage for emergency medical care abroad, sold as add-on to basic or supplementary insurance.
6. AV-Delen (Dental Sharing Supplement): Optional dental reimbursement sharing supplement starting from €2.50/person/month, enabling partners to pool dental coverage limits. Additional recurring revenue from existing policyholders.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Zorg en Zekerheid is a Dutch regional health insurer selling mandatory basic health insurance (basisverzekering) under three policy variants (Zorg Gemak, Zorg Zeker, Zorg Vrij) plus a portfolio of optional supplementary insurance products (AV series), a unique dental reimbursement sharing add-on (AV-Delen), foreign coverage module, collective group insurance for employers, and subsidized municipal policies (Gemeentepolis). The insurer serves over 500,000 policyholders primarily in South Holland and North Holland regions of the Netherlands.

Product overview

Zorg en Zekerheid is a Dutch health insurance provider offering a comprehensive portfolio of three basic health insurance policies (Zorg Gemak Polis, Zorg Zeker Polis, Zorg Vrij Polis) and eleven supplementary insurance products (AV-Gemak, AV-Gemak Regio, AV-Basis, AV-Standaard, AV-Standaard Regio, AV-Top, AV-Plus, AV-Sure, AV-GeZZin) plus the Module Buitenland and AV-Delen dental sharing add-on. The company also offers group insurance for employers and municipal collective policies (Gemeentepolis) across 27 Dutch municipalities. Digital services include the MijnZZ customer portal, mobile app, Zorgzoeker provider search tool, and Vergoedingenzoeker reimbursement finder. With over 200 years of operation, the insurer serves approximately 500,000 policyholders primarily in the South Holland region.

Differentiator

Problem solved

Functional benefit

Brands

• Zorg Gemak Polis: Digital contracted care policy basic insurance
• Zorg Zeker Polis
• Zorg Vrij Polis
• AV-Gemak
• AV-Gemak Regio
• AV-Basis
• AV-Standaard
• AV-Top
• AV-Plus
• AV-GeZZin
• AV-Sure
• AV-Delen
• Gemeentepolis
• Zorg en Zekerheid Circuit

Products and services

• Basic Health Insurance (Basisverzekering) Mandatory Dutch basic health insurance offered in three variants — Zorg Gemak Polis (digital contracted care, €150.45/month), Zorg Zeker Polis (contracted care with full reimbursement for in-network providers, €156.75/month), and Zorg Vrij Polis (combination policy with greatest freedom of choice, €166.50/month). Compulsory €385 excess applies. For all Dutch residents required by law to hold basic health insurance.
• Supplementary Health Insurance (Aanvullende Verzekering) Optional supplementary insurance portfolio covering dental care, physiotherapy, glasses/contact lenses, maternity, alternative treatments, preventive care, and sports medical advice. Products include AV-Gemak (€21.20), AV-Gemak Regio (€17.00), AV-Basis (€17.05), AV-Standaard (€25.55), AV-Standaard Regio (€20.20), AV-Top (€54.20), AV-Plus (€58.50), AV-Sure (€24.95), and AV-GeZZin (€66.50). For individuals seeking coverage beyond mandatory basic insurance.
• AV-Delen (Dental Reimbursement Sharing) Add-on supplement allowing partners to share and pool their dental reimbursement limits. Starting from €2.50/person/month. Combined limits of €300 (AV-Standaard/AV-Sure) or €1,000 (AV-Top/AV-Plus/AV-GeZZin). Unique in the Netherlands. For couples with unequal dental expenses.
• Module Buitenland (Foreign Coverage Module) Optional add-on module providing 100% coverage for medical emergency care abroad worldwide. €2/month. Sold as add-on to basic or supplementary insurance. For Dutch residents traveling internationally.
• Collectieve Zorgverzekering (Group Health Insurance) Group/collective health insurance for employees of companies or association members. Includes premium discounts, voluntary excess options up to €500, and additional benefits such as dental and physiotherapy reimbursements. Up to €252/year discount per employee. Managed by senior relationship managers engaging employers. For Dutch employers and HR teams.
• Gemeentepolis (Municipal Collective Insurance) Subsidized health insurance for low-income residents offered through 26 municipalities. Combines Zorg Zeker Polis basic insurance with supplementary coverage (AV-Gemeente Basis, Standaard, or Top). Municipalities co-pay premiums and optionally cover compulsory deductibles. Includes debt counseling and early payment problem detection. Variants include Haarlem Standaard/Top and Zandvoort Standaard/Top. For low-income Dutch residents and municipal social services.
• Gezond Leven Wellness Platform Wellness platform providing themes on sleep, nutrition, exercise, relaxation, caregiving, youth health, smoking cessation, financial fitness, and illness management. Includes Gezzond quarterly magazine and digital self-help modules. For insured individuals seeking preventive health and wellbeing support.

Quantifiable outcome

• 8.1/10 customer satisfaction score (KlantMonitor Zorgverzekeringen 2026 MarketResponse)
• +4 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature8 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Regional Physiotherapy OrganizationscoreStrategic or Co-development Partner · 16 February 2024Partnership with regional physiotherapy organizations announced in February 2024. Multiple physiotherapy practices contracted for in-network care provision.
• Spaarne GasthuiscoreStrategic or Co-development Partner · 18 December 2023Multi-year hospital care contract. Spaarne Gasthuis provides hospital services to Zorg en Zekerheid insured persons under agreed pricing and quality terms.
• Gemeente HaarlemcoreStrategic or Co-development PartnerLong-standing municipality partnership for the gemeentepolis (municipal collective insurance). Haarlem pays a subsidy toward premiums for low-income residents. The compulsory deductible is fully insured for these residents. Two supplementary options: Haarlem Standaard and Haarlem Top.
• Gemeente ZandvoortcoreStrategic or Co-development PartnerMunicipality partnership through the ZandvoortPas social program. Gemeentepolis combines Zorg Zeker Polis with Zandvoort Standaard or Zandvoort Top. Compulsory deductible fully insured. Zandvoort subsidizes premiums for low-income residents.
• ISD Bollenstreek (Intergemeentelijke Sociale Dienst)coreStrategic or Co-development PartnerPartnership with the intermunicipal service covering Hillegom, Lisse, Noordwijk, and Teylingen. Offers AV-Gemeente Standaard and AV-Gemeente Top through the gemeentepolis. ISD Bollenstreek handles enrollment and collectiviteit registration.
• SchuldhulpmaatjeminorStrategic or Co-development PartnerVolunteer organization partnership providing debt counseling support to insured persons with payment arrears. Zorg en Zekerheid refers insured customers to Schuldhulpmaatje coaches who help create debt remediation plans.
• LAVG (Landelijk Adviesbureau voor Gezondheidszorg)minorStrategic or Co-development PartnerCollection agency partner for socially responsible debt collection. Zorg en Zekerheid works with LAVG to pursue premium arrears while avoiding escalation to CAK (Central Administration Office for Exceptional Medical Expenses).
• FlanderijnminorStrategic or Co-development PartnerCollection agency partner for socially responsible debt collection. Flanderijn handles premium collection with a preference for amicable settlement (minnelijk incasseren) before escalating to CAK.
• GeldfitminorStrategic or Co-development PartnerFinancial health partnership. Zorg en Zekerheid directs insured persons with financial worries to Geldfit's self-service financial health tools. Partnership aimed at preventing premium debt and promoting financial wellbeing.
• VECOZO (Vertrouwenscentrum Contracteren Zorg)coreTechnology or IntegrationVECOZO's Insurance Data Monitoring Service (COV) enables care providers to verify insurance status and submit electronic claims directly to Zorg en Zekerheid. Core infrastructure for provider-insurer data exchange.
• VektiscoreTechnology or IntegrationVektis analyzes expense claims data for Zorg en Zekerheid and provides data to third parties for scientific research and statutory compliance. Supports healthcare system improvement and risk management.
• Gezondheidscentrum De Marne (Amstelveen)coreStrategic or Co-development PartnerHealth center in Amstelveen where Zorg en Zekerheid funded the development of five evidence-based orthopedic care programs. Joint initiative with GPs, pharmacists, and physiotherapists for community-based care that reduces unnecessary hospital referrals.
• Local Healthcare Providers (Haarlem, Leiden, Amstelland, Haarlemmermeer regions)coreStrategic or Co-development PartnerNetwork of contracted GPs, hospitals, physiotherapists, pharmacies, and mental health providers across 26 municipalities. Zorg en Zekerheid uses its care purchasing power to negotiate quality and cost terms with providers.
• Municipalities (26 total for gemeentepolis)coreStrategic or Co-development Partner25+ municipalities across South Holland and North Holland offer the gemeentepolis through Zorg en Zekerheid. Municipalities include: Aalsmeer, Alphen aan den Rijn, Amstelveen, Beverwijk, Bodegraven-Reeuwijk, De Ronde Venen, Haarlem, Haarlemmermeer, Heemskerk, Hillegom, Kaag en Braassem, Katwijk, Krimpenwaard, Leiden, Leiderdorp, Lisse, Nieuwkoop, Noordwijk, Oegstgeest, Ouder Amstel, Teylingen, Uithoorn, Voorschoten, Waddinxveen, Zandvoort, and Zoeterwoude.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• VGZ (Coöperatie VGZ): VGZ is one of the four largest Dutch health insurers, operating nationally under brands including VGZ, IZA, and IZZ. Competes in the same basic/supplementary insurance market and in employer/municipality collective channels, with broader geographic reach.
• CZ Groep: CZ is one of the four largest Dutch health insurers, operating nationally with strong market share in Zeeland, Brabant, and Limburg. Competes with Zorg en Zekerheid for the same customer segments, supplementary product innovation, and employer/municipality collective channels.
• Zilveren Kruis (Achmea): Zilveren Kruis is the largest Dutch health insurer and a brand of Achmea, offering basic and supplementary health insurance nationally. Operates the broadest network of contracted care providers and competes for the same employer collective and individual customers, but at significantly greater scale.
• Menzis: Menzis is a large Dutch health insurer operating nationally with significant market share, particularly in the north and east of the Netherlands. Offers the same product structure (basic + supplementary) and competes for employer collective accounts and regional care provider contracts.
• a.s.r. Nederland: a.s.r. is a large Dutch insurance group listed on Euronext Amsterdam offering life, non-life, and health insurance. While not primarily a health insurer, a.s.r. operates in adjacent Dutch insurance markets and competes for distribution partnerships and employer collective benefit contracts.

Others

• Nationale-Nederlanden (NN Group): NN Group is a major Dutch financial services company offering life, non-life, and supplementary health insurance. While not a basic health insurance carrier, NN offers complementary supplementary coverage and employee benefits products that overlap with Zorg en Zekerheid's supplementary portfolio.

Direct peers

• Univé Zorgverzekeraar: Univé is a Dutch cooperative health and general insurer with regional roots, similar customer base of individual consumers and small employers, and a comparable multi-channel distribution approach including digital, telephone, and intermediary channels.
• ONVZ Zorgverzekeraar: ONVZ is a Dutch mid-sized health insurer with a comparable niche positioning, premium service model, and a focus on quality of care and customer satisfaction. Operates a similar product structure (basic + supplementary) and competes for the same customer segments in employer collective channels.
• DSW Zorgverzekeraar: DSW is a Dutch regional health insurer of comparable size operating in the Zuid-Holland region, with a similar mutual/cooperative ethos, focused regional provider network, and a track record of stable premiums. Most directly comparable to Zorg en Zekerheid in scale, regional focus, and customer segments.

Emerging players

• Anderzorg (Menzis): Anderzorg is a Dutch low-premium online health insurer brand owned by Menzis, targeting young and budget-conscious customers. Competes in the same digital-only basic insurance segment as Zorg en Zekerheid's Zorg Gemak Polis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/zorgenzekerheid
• YouTubeyoutube.com/channel/UClgSUKEaQTpt2wLDaJgvYow
• Facebookfacebook.com/zorgenzekerheid
• LinkedInlinkedin.com/company/zorg-en-zekerheid
• Instagraminstagram.com/zorgenzekerheid/?hl=nl

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 Zorg en Zekerheid