Interpolis

Name

Interpolis

Legal name

Achmea Services N.V.

Website

https://interpolis.nl

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Personal and Commercial Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Life Insurance (6311)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Personal insurance products
• Health insurance plans
• Business insurance coverage
• Insurance claims processing
• Bundled insurance policies

Headquarters

HQ city

Tilburg

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Interpolis generates revenue through recurring insurance premiums from multiple product lines including auto, home, travel, health, life, and business insurance. Premiums are collected through subscription-based models with annual or monthly billing options.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Interpolis underwrites and sells personal, health, business and agricultural insurance products in the Netherlands, distributed predominantly through its exclusive partnership with Rabobank. The flagship offering is the Alles in één Polis bundle (auto, home, contents, travel and legal aid) with up to 12% package discount. Sub-brands ZorgActief, ZorgCompact, GebitActief cover health and dental needs, while ZekerVanJeZaak and ZekerInBedrijf serve zzp'ers and SMB customers. Customers manage policies and claims through the Interpolis App, Mijn Interpolis and Mijn Zorggebruik portals.

Product overview

Interpolis is a Dutch insurance company operating as part of the Achmea Group, offering a broad portfolio of personal, health, and business insurance products distributed through Rabobank as intermediary and managed via digital platforms. For personal insurance, the core offering is the Alles in één Polis bundled package covering auto, home, contents, travel, and legal protection. Health insurance includes ZorgActief (family-oriented with extensive supplementary options including GebitActief dental coverage) and ZorgCompact (digital-first base policy). The digital ecosystem comprises the Interpolis App, Mijn Interpolis portal (accessed via iDIN), and Mijn Zorggebruik (health insurance portal accessed via DigiD). Smart/prevention offerings include Rijcoach (driving behavior analysis), Veiligheidsmeter (home safety assessment), AutoModus, InbraakBarometer, and CyberCheck. For business customers, ZekerVanJeZaak and ZekerInBedrijf packages are available through the Mijn Interpolis Zakelijk portal (accessed via eHerkenning or email/password with authenticator). The company also operates the Glashelder Klantpanel for customer research and maintains an active digital accessibility program.

Differentiator

Problem solved

Functional benefit

Products and services

• Interpolis Alles in één Polis (Complete Package) A bundled non-life and legal aid insurance package that combines multiple damage insurance policies into one overview, managed via Rabobank, with package discounts of up to 12% and 24/7 self-service.
• ZorgActief base health insurance Family-oriented Dutch base health insurance (Zorgverzekeringswet) with extensive supplementary package options and a starting premium of €159.25/month.
• ZorgCompact (digital-first health insurance) Digital-first base health insurance policy priced at €155.95/month for customers who prefer online self-service for claims and medicine requests.
• GebitActief dental insurance Supplementary dental insurance add-on for ZorgActief available in €250, €500 and €1,000 annual maximum tiers, covering check-ups and treatments.
• ZekerVanJeZaak (zzp business insurance) Business insurance package for self-employed professionals (zzp'ers) covering liability, vehicle and business equipment.
• ZekerInBedrijf (mkb business insurance) SMB/mkb business insurance package with broader coverage including buildings, inventory and multiple vehicles.
• Hypotheekbescherming (Mortgage Protection) Mortgage protection insurance that pays monthly mortgage instalments if the policyholder becomes disabled or unemployed (up to 12 months unemployment cover).
• Interpolis App (iOS/Android) Cross-platform mobile app for iOS and Android providing policy overview, claims submission, green card, safety meter and contact information, secured via iDIN identity verification.
• Mijn Interpolis personal customer portal Online portal for personal insurance customers to view policies, submit and track claims, and download policy documents, accessed via iDIN.
• Mijn Zorggebruik health insurance portal Online portal for health insurance customers to view policy details, track healthcare expenses, monitor deductibles, submit claims, and manage preferences, secured via DigiD two-factor authentication.
• Mijn Interpolis Zakelijk business portal Online portal for business customers to manage business insurance policies, submit claims, and track status, accessed via eHerkenning or authenticator-app login.

Quantifiable outcome

• Simple claims often processed within 48 hours
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• RabobankcoreChannel Partner/ Reseller/ DistributorRabobank serves as the primary sales and service channel for Interpolis insurance products. Rabobank handles new policy sales, modifications, and customer inquiries for insurance. Interpolis focuses on claims processing and product development. This partnership allows customers to manage both banking and insurance through a single institution.
• AchmeacoreStrategic or Co-development PartnerInterpolis is a trading brand of Achmea, one of the largest insurance groups in the Netherlands. Achmea provides shared services including IT infrastructure, compliance, fraud prevention systems, and operational support. Interpolis operates autonomously for customer-facing activities while leveraging Achmea's scale and resources.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• OHRA: Direct/digital-focused Dutch insurer (part of CZ Group) selling health and personal lines online; comparable on distribution model and Dutch retail focus.
• FBTO: Another Achmea brand targeting Dutch consumers with a direct/digital distribution model; directly comparable on insurance lines, target customer, and digital self-service approach.
• VGZ: Dutch health insurance specialist; directly competes with Interpolis's ZorgActief and ZorgCompact portfolios in the same regulated health-insurance market.
• a.s.r. Nederland: Major Dutch multi-line insurer covering life, non-life, health and pensions in the same domestic market; competes head-to-head with Interpolis across most personal and SME lines.
• Univé: Dutch cooperative insurer offering personal, family and SME lines with strong regional brand presence; directly comparable on product mix and Dutch consumer focus.
• CZ: Dutch health insurer with similar supplementary cover and family positioning; strong competitor to Interpolis's ZorgActief/GebitActief packages.
• Centraal Beheer: Sister brand within Achmea offering Dutch multi-line personal and business insurance with similar product breadth; closest direct comparator for Interpolis's consumer proposition.

Emerging players

• InShared: Digital-first Dutch insurer with a customer-profit-share model; an emerging challenger targeting the same Dutch personal lines market with a tech-native UX.

Broad incumbents

• Nationale Nederlanden (NN Group): Largest Dutch life and pensions insurer with deep non-life and health presence; broader portfolio than Interpolis but directly competitive for personal life, health and mortgage products.
• Allianz: Global incumbent with a Dutch retail franchise covering personal P&C and life; broader scope but active in the same Dutch consumer insurance segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/interpolis

Compliance1 record

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 Interpolis