VGZ

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.

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

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

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

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core 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

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Albert HeijncoreChannel Partner/ Reseller/ DistributorMajor 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.
• CNVcoreChannel Partner/ Reseller/ DistributorDutch trade union CNV offers collective insurance benefits to its members through VGZ, providing discounted premiums and enhanced coverage options for union workers.
• Gemeente UtrechtcoreChannel Partner/ Reseller/ DistributorMunicipality of Utrecht partnered with VGZ for municipal employee health benefits, implementing an innovative HR approach that increased participation in vitality activities.
• ASVZcoreChannel Partner/ Reseller/ DistributorHealthcare 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 BeneluxminorChannel Partner/ Reseller/ DistributorHealth and beauty retailer partnered for employee collective insurance benefits.
• BAM (Royal BAM Group)minorChannel Partner/ Reseller/ DistributorConstruction company providing collective insurance to employees through VGZ partnership.
• H&MminorChannel Partner/ Reseller/ DistributorFashion retailer offers collective insurance and vitality benefits to Dutch employees through VGZ.
• CultiijnminorChannel Partner/ Reseller/ DistributorCultural connection organization partnered for employee benefits.
• ZZP NederlandcoreChannel Partner/ Reseller/ DistributorNational organization representing self-employed professionals offers collective insurance options through VGZ to its freelancer members.
• HagaZiekenhuiscoreStrategic or Co-development PartnerHaga 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 BedrijfszorgminorStrategic or Co-development PartnerCorporate health management platform integrated with VGZ employer offerings for workplace health and absence management.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/channel/UCt1EVoJ3lk6KxAyeM1KViqQ
• Facebookfacebook.com/CooperatieVGZ
• LinkedInlinkedin.com/company/gezond-werkgeverschap-vgz
• Instagraminstagram.com/cooperatievgz
• Xx.com/vgz

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 VGZ