VGZ
VGZ (Coöperatie VGZ) is a Dutch health insurance cooperative serving roughly 1.9 million members with mandatory basic, supplementary, and dental plans, distributed through employer, municipal, and member-organization collectives alongside a top-rated digital app ecosystem.
- Company typePrivate
- Founded1949
- HeadquartersEindhoven, Netherlands
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What VGZ does
VGZ (legal entity: VGZ Zorgverzekeraar N.V.; cooperative brand: Coöperatie VGZ) is a Dutch health insurance provider headquartered in Eindhoven, founded in 1949. The company serves approximately 1.9 million insured members through a tiered product portfolio: three basic insurance packages (VGZ Basis Keuze, Ruime Keuze, Eigen Keuze) covering the legally mandatory Dutch basisverzekering with varying reimbursement levels for contracted and non-contracted providers; four supplementary tiers (Aanvullend Instap through Best) covering physiotherapy, dental accidents, alternative medicine, glasses/lenses, and maternity; and four dental packages (Tand Instap through Best) ranging from basic checkups to orthodontic coverage. Premiums are subscription-based, collected monthly, with voluntary deductible discounts up to €15/month.
Distribution runs through a hybrid model: direct-to-consumer via vgz.nl and the VGZ App (rated 4.6 stars and described as the best healthcare insurance app in the Netherlands), alongside channel partnerships through employer collectives (VGZ Werkt), municipalities (VGZ Gemeentepakket), member/patient organizations (VGZ Zorgt), and ZZP self-employed collectives. VGZ contracts with all Dutch hospitals and operates a broader provider network accessible through the Zorgzoeker tool, which also displays wait-time comparisons (Wachttijdvergelijker). Adjacent digital services include the VGZ Mindfulness Coach app (1 million downloads) and VGZ Soepel en Sterk Coach exercise app.
VGZ monetizes almost exclusively through recurring monthly premiums on basic, supplementary, and dental subscriptions, with collective channels adding discounted group-rate volume. The customer base spans individual Dutch residents (primary), employers, municipalities, member associations, and self-employed collectives. B2B partnerships with named employers such as Albert Heijn, CNV, BAM, H&M, and ASVZ, and a co-development partnership with HagaZiekenhuis on home chemotherapy self-administration, anchor the channel and innovation strategy. Revenue is not publicly disclosed.
VGZ firmographics
Firmographics- Name
- VGZ
- Legal name
- VGZ Zorgverzekeraar N.V.
- Website
- https://vgz.nl
- Company type
- Private
- Founded year
- 1949
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- VGZ (Coöperatie VGZ) is a Dutch health insurance cooperative serving roughly 1.9 million members with mandatory basic, supplementary, and dental plans, distributed through employer, municipal, and member-organization collectives alongside a top-rated digital app ecosystem.
- Ownership category
- akta.pro rank
VGZ industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Small Group Health Insurance (2–50/100) (FSAIAFAD)
- akta.pro secondary industry
- Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ)
Keywords
Where VGZ is headquartered
LocationHeadquarters
- HQ city
- Eindhoven
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
VGZ business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: VGZ generates revenue through monthly insurance premiums paid by individual and collective policyholders. This includes basic health insurance (basisverzekering) required by Dutch law and optional supplementary (aanvullende) and dental (tandarts) insurance packages. Premiums are collected monthly via automatic debit or payment requests.
- Collective Insurance Plans: Revenue from employer-sponsored collective insurance packages (VGZ Werkt), municipality plans (VGZ Gemeentepakket), and member organization plans (VGZ Zorgt), often featuring discounted premiums and enhanced coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | VGZ Basis Keuze - Natura insurance with 100% reimbursement for contracted providers, 70% for non-contracted |
| Subscription | Monthly | VGZ Ruime Keuze - Natura insurance with 100% reimbursement for contracted providers, 80% for non-contracted |
| Subscription | Monthly | VGZ Eigen Keuze - Combination insurance with 100% reimbursement both contracted and non-contracted providers |
| Subscription | Monthly | VGZ Aanvullend Instap - Entry-level supplementary coverage |
| Subscription | Monthly | VGZ Aanvullend Goed - Mid-tier supplementary coverage |
| Subscription | Monthly | VGZ Aanvullend Beter - Premium supplementary coverage |
| Subscription | Monthly | VGZ Aanvullend Best - Top-tier supplementary coverage |
| Subscription | Monthly | VGZ Tand Instap - Entry-level dental coverage |
| Subscription | Monthly | VGZ Tand Goed - Mid-tier dental coverage |
| Subscription | Monthly | VGZ Tand Beter - Premium dental with orthodontics |
| Subscription | Monthly | VGZ Tand Best - Top-tier dental coverage |
| Subscription | Monthly | Voluntary deductible discounts |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels10 records
VGZ product offering
Product offeringCore offering
VGZ is a Dutch health insurance cooperative that sells mandatory basic health insurance (basisverzekering) along with optional supplementary (aanvullende) and dental (tandarts) insurance packages to individuals and groups. The company also operates collective schemes through employers, municipalities, and member organizations, and supports members with digital tools including a mobile app, provider finder, and wellness apps.
Product overview
VGZ (Coöperatie VGZ) is a Dutch health insurance cooperative offering a comprehensive portfolio of health insurance products. The core offering consists of three basic health insurance packages (Basis Keuze, Ruime Keuze, and Eigen Keuze) providing mandatory basic coverage with varying reimbursement levels for contracted and non-contracted healthcare providers. Supplementary insurance is available through four tiers (Aanvullend Instap, Goed, Beter, and Best) covering physiotherapy, alternative care, glasses/lenses, and maternity care. Four dental insurance packages (Tand Instap, Goed, Beter, and Best) provide coverage from basic checkups to comprehensive orthodontic care. VGZ also offers collective insurance through employer programs (VGZ Werkt), patient associations (VGZ Zorgt), and municipalities (VGZ Gemeentepakket). The digital ecosystem includes the VGZ App and Mijn VGZ online portal for policy management and claims, the Zorgzoeker provider finder and Wachttijdvergelijker wait time comparison tool, plus wellness apps including VGZ Mindfulness Coach and VGZ Soepel en Sterk Coach. The company also provides employer services through the Gezond Werkgeverschap platform and specialized portals for representatives managing affairs for legally protected individuals.
Differentiator
Problem solved
Functional benefit
Brands
- VGZ Werkt: Collective health insurance package for employers and employees.
- VGZ Zorgt
- VGZ Gemeentepakket
Quantifiable outcome
- 1.9 million insured members
- +4 more outcomes
Companies that use VGZ
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
VGZ technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
VGZ partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Albert HeijncoreMajor Dutch supermarket chain partnered with VGZ for employee collective insurance and vitality programs. Albert Heijn employees receive preferential rates on supplementary insurance and access to workplace health initiatives.
- CNVcoreDutch trade union CNV offers collective insurance benefits to its members through VGZ, providing discounted premiums and enhanced coverage options for union workers.
- Gemeente UtrechtcoreMunicipality of Utrecht partnered with VGZ for municipal employee health benefits, implementing an innovative HR approach that increased participation in vitality activities.
- ASVZcoreHealthcare organization ASVZ provides collective insurance and vitality programs to employees through VGZ, featuring a unique vitality program where staff self-organize diverse wellness activities.
- A.S. Watson BeneluxminorHealth and beauty retailer partnered for employee collective insurance benefits.
- BAM (Royal BAM Group)minorConstruction company providing collective insurance to employees through VGZ partnership.
- H&MminorFashion retailer offers collective insurance and vitality benefits to Dutch employees through VGZ.
- CultiijnminorCultural connection organization partnered for employee benefits.
- ZZP NederlandcoreNational organization representing self-employed professionals offers collective insurance options through VGZ to its freelancer members.
- HagaZiekenhuiscoreHaga Hospital collaborates with VGZ on healthcare innovation, specifically training patients with bone marrow cancer to self-administer chemotherapy injections at home, reducing hospital visits and energy costs.
- Mijn BedrijfszorgminorCorporate health management platform integrated with VGZ employer offerings for workplace health and absence management.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
VGZ competitors and assessment
Company assessmentDirect peers
- Zilveren Kruis (Achmea): Largest health insurance brand in the Netherlands under the Achmea group, offering mandatory basic and supplementary insurance to millions of Dutch residents. Directly competes with VGZ in the same mandatory market with comparable product structure and collective channels.
- CZ: Major Dutch not-for-profit health insurer with a similar product portfolio of basic, supplementary, and dental insurance plus employer collective plans. Direct competitor to VGZ for both individual and group members across the Netherlands.
- Menzis: Dutch health insurance cooperative offering basic, supplementary, and dental plans, including the budget-oriented AnderZorg brand. Operates in the same mandatory market with a comparable cooperative structure to VGZ.
- DSW: Dutch regional health insurer offering basic and supplementary insurance, known for competitive premiums and limited bureaucracy. Direct competitor to VGZ particularly in the western Netherlands including The Hague region.
- ONVZ: Dutch health insurer focused on higher-end supplementary and comprehensive coverage, often chosen by employer collectives. Competes with VGZ for premium supplementary and collective employer segments.
- AnderZorg: Budget-focused online health insurance brand operated by Menzis, targeting price-sensitive Dutch consumers. Directly competes with VGZ's lower-priced Basis Keuze and Ruime Keuze tiers.
- FBTO: Direct-to-consumer online health insurance brand owned by Achmea, emphasizing modular self-service policy building. Competes with VGZ's app-led digital experience and self-serve enrollment.
Broad incumbents
- Achmea: Largest insurance group in the Netherlands and parent of Zilveren Kruis, Interpolis, and FBTO. A broad incumbent whose health insurance portfolio overlaps directly with VGZ's core offering while also extending into non-life, life, and banking.
- Nationale-Nederlanden: Major Dutch insurance group offering life, non-life, pension, and supplementary health products through employer channels. Competes with VGZ for collective employer contracts and supplementary cross-sell opportunities.
Regional players
- De Friesland (Zorg en Zekerheid): Regional Dutch health insurer with strong position in Friesland and parts of North Holland. Operates a comparable basic-plus-supplementary model to VGZ but with a more geographically concentrated footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
VGZ social profiles
Digital presenceVGZ financial estimates
Financial estimateRevenue estimate
Valuation estimate
VGZ leadership team
Management profileNumber of profiles
VGZ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VGZ 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 VGZ
What does VGZ do?
VGZ is a Dutch health insurance cooperative that sells mandatory basic health insurance (basisverzekering) along with optional supplementary (aanvullende) and dental (tandarts) insurance packages to individuals and groups. The company also operates collective schemes through employers, municipalities, and member organizations, and supports members with digital tools including a mobile app, provider finder, and wellness apps.
Is VGZ a public or private company?
VGZ is a private company. It is classified as unknown and is currently operating.
When was VGZ founded?
VGZ was founded in 1949. It employs 1,001 to 5,000 people.
Where is VGZ based?
VGZ is headquartered in Eindhoven, Netherlands, in the Europe region.
How does VGZ make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are collective Insurance Plans.
Who are VGZ's main competitors?
Direct peers on record are Zilveren Kruis (Achmea), CZ, Menzis, DSW, ONVZ, AnderZorg and FBTO. Broad incumbents are Achmea and Nationale-Nederlanden. De Friesland (Zorg en Zekerheid) is listed as a regional player.
Does VGZ have an API?
No public API is recorded for VGZ.
What industry is VGZ in?
VGZ'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 HLALADAJ, Care Navigation, Advocacy & Benefits Guidance Platforms. Its NAICS code is 524114 and its SIC code is 6321.