ZorgKiezer
ZorgKiezer is the Netherlands' first and largest independent online health insurance comparison platform, letting Dutch consumers compare all 58 insurers, switch via a free service, and earn insurer-paid commissions.
- Company typePrivate
- Founded2005
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingDigital Commerce or Content
What ZorgKiezer does
ZorgKiezer is the first and largest independent online health insurance comparison platform in the Netherlands, founded in 2005 and operated by DGN Finance B.V. within the DGN Groep corporate structure. The platform enables Dutch consumers to compare all 58 freely accessible health insurance policies on premium, coverage, policy conditions, service, and discounts in roughly two minutes, then optionally switch through an automated gratis overstapservice that cancels the consumer's prior policy on their behalf. The underlying technology combines a multi-insurer data layer covering premiums, coverage, hospital contracting, and customer reviews (58,549 reviews averaging 8.9), augmented with AI-assisted advice to personalize recommendations. Complementary information products include the Vergoedingen Overzicht, Ziekenhuis Contractering, ZorgKiezer Nieuws portal, and supplementary modules for dental and aanvullende verzekering, alongside ZorgKiezer Service (year-round Zorgcoach) and ZorgKiezer Collectief (up to 20% collective discounts).
The company operates a direct-to-consumer, self-serve digital platform with inside-sales support from a team of zorgexperts reachable by phone, WhatsApp, and live chat. Its GTM motion is anchored by SEO content marketing, PR-driven expert citations in outlets such as Metro, NU.nl, Omroep Brabant, and Libelle, and strong social proof from the on-site review base. The business is regulated by AFM, NZa, and ACM, and holds a WFT license (nr. 12040344) to advise on and intermediate Dutch health insurance.
ZorgKiezer monetizes exclusively through affiliate referral commissions paid by health insurers upon successful consumer switches, averaging approximately €18 per insured per year over an average 5-year policy term, and only for insurers with which it holds a contract. The platform serves roughly 4 million comparison visitors and 100,000+ switching customers annually, addressing consumer segments including price-sensitive buyers, students, seniors, ZZP/freelancers, dental care seekers, and internationals. Headcount stands at approximately 40 professionals headquartered at Nes 76, Amsterdam, with no disclosed external funding, M&A activity, or geographic expansion beyond the Netherlands.
ZorgKiezer firmographics
Firmographics- Name
- ZorgKiezer
- Legal name
- DGN Finance B.V.
- Website
- https://zorgkiezer.nl
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ZorgKiezer is the Netherlands' first and largest independent online health insurance comparison platform, letting Dutch consumers compare all 58 insurers, switch via a free service, and earn insurer-paid commissions.
- Ownership category
- akta.pro rank
ZorgKiezer industry classification
Industry- Product category
- Health Insurance Comparison Platform
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)
Keywords
Where ZorgKiezer is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
ZorgKiezer business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Commission from insurance providers: ZorgKiezer receives a one-time or recurring commission when a customer successfully switches to a new health insurer through the platform. The average amount received is approximately €18.00 per insured per year with a 5-year term. This only applies to insurers with whom ZorgKiezer has a contract. Insurers without a contract are also shown on the platform but generate no commission.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free comparison and switching service for all consumers |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
ZorgKiezer product offering
Product offeringCore offering
ZorgKiezer is an independent Dutch online comparison platform that enables consumers to compare all 58 freely accessible health insurance policies across premium, coverage, policy conditions, service, and discounts, and to switch insurers through a free overstapservice that handles cancellation of the prior policy. The platform also offers a ZorgKiezer Collectief providing up to 20 percent discount on supplementary insurance, year-round personal assistance via ZorgKiezer Service, and educational content such as vergoedingen (coverage) information, hospital contracting data, and a health insurance news portal.
Product overview
ZorgKiezer is a consumer-facing health insurance comparison platform offering a comprehensive ecosystem of products centered on its core comparison engine. The platform enables users to compare all 58 Dutch health insurance policies (basisverzekering, aanvullende verzekering, and tandartsverzekering) from over 25 insurers including CZ, VGZ, Menzis, Zilveren Kruis, and others. The offering combines the free comparison tool (Zorgverzekering Vergelijker) with paid services including a collective discount program (ZorgKiezer Collectief, up to 20% off supplementary insurance) and a free switch service. Additional services include year-round personal assistance (ZorgKiezer Service), coverage information tools (Vergoedingen Overzicht), hospital contracting information, and a news portal. The platform differentiates by always showing the cheapest option first and offering regulatory transparency through supervision by AFM, NZa, and ACM.
Differentiator
Problem solved
Functional benefit
Brands
- ZorgKiezer Collectief: A collective offering discounts up to 20% on supplementary health insurance policies.
Products and services
- Zorgverzekering Vergelijker
Quantifiable outcome
- Save up to €511 per year on health insurance premiums
- +3 more outcomes
Companies that use ZorgKiezer
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles6 records
ZorgKiezer technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ZorgKiezer partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- DGN Finance B.V. (DGN Groep)coreZorgKiezer is a division of DGN Groep (DGN Finance B.V.), headquartered at Nes 76, Amsterdam. DGN Groep helps consumers make financial decisions. Other projects include deGoedkoopsteNotaris.nl and EnergieKiezer.nl. The group provides corporate infrastructure, regulatory oversight (WFT license), and cross-selling opportunities across financial comparison verticals.
- deGoedkoopsteNotaris.nlminorSister comparison website under DGN Groep, providing notary fee comparison services.
- EnergieKiezer.nlminorSister comparison website under DGN Groep, providing energy price comparison services.
- Dutch Health Insurers (all 58 insurers)coreZorgKiezer partners with all 58 freely accessible Dutch health insurers, comparing their premiums, coverage, policy conditions, service, and discounts. This includes major insurers: Zilveren Kruis (3.5M insured), CZ (4M insured), VGZ Group (4.1M insured), and Menzis. The company earns commission only from insurers with whom it has a contract; insurers without a contract are also displayed but generate no commission.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
ZorgKiezer competitors and assessment
Company assessmentDirect peers
- Check24: Germany's largest digital comparison platform for insurance, energy, banking, and travel — analogous business model (commission-based aggregation) at much larger scale. Comparable as the European benchmark for multi-vertical insurance comparison.
- Verzekeringssite.nl: Dutch insurance comparison platform focused on aggregating health, car, home, and travel insurance. Directly comparable as a commission-based insurance intermediary in the Netherlands.
- Pricewise: Dutch comparison site covering insurance, energy, and telecom with a similar commission-based revenue model. Operates in the same Dutch consumer switching market and targets similar SEO-driven organic comparison traffic.
- Independer.nl: Leading Dutch online comparison platform for insurance and financial products, including health insurance. Directly comparable as a consumer-facing aggregator operating under similar AFM/NZa oversight and competing for the same switching Dutch consumers.
- Kieskeurig.nl: Major Dutch comparison platform spanning insurance, energy, and consumer products. Comparable as a multi-vertical Dutch aggregator targeting the same consumer household financial decisions.
- LeLynx.fr: France's leading online insurance comparison aggregator. Comparable as a European insurance-focused comparison platform using commission-based economics and direct-to-consumer digital acquisition.
- Compare the Market: UK-based insurance and financial product comparison platform owned by BGL Group. Comparable as a leading European insurance aggregator with commission-driven economics and a household-focused brand.
- MoneySupermarket: UK price comparison platform covering insurance, banking, energy, and travel. Comparable as a publicly-listed European comparison aggregator demonstrating the strategic and financial profile of the category.
- Overstappen.nl: Dutch switching-focused comparison site, particularly strong in health insurance switching around the Dutch open-enrollment period. Directly comparable in targeting the same annual switching event.
Regional players
- Selectra: Pan-European comparison platform for energy, telecom, and insurance with a Dutch presence. Comparable as a multi-country comparison operator using a similar digital-direct comparison model, though primarily active in adjacent verticals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ZorgKiezer social profiles
Digital presenceZorgKiezer compliance and trust
Trust signalCompliance4 records
ZorgKiezer financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZorgKiezer leadership team
Management profileNumber of profiles
Profiles4 records
ZorgKiezer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZorgKiezer 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 ZorgKiezer
What does ZorgKiezer do?
ZorgKiezer is an independent Dutch online comparison platform that enables consumers to compare all 58 freely accessible health insurance policies across premium, coverage, policy conditions, service, and discounts, and to switch insurers through a free overstapservice that handles cancellation of the prior policy. The platform also offers a ZorgKiezer Collectief providing up to 20 percent discount on supplementary insurance, year-round personal assistance via ZorgKiezer Service, and educational content such as vergoedingen (coverage) information, hospital contracting data, and a health insurance news portal.
Is ZorgKiezer a public or private company?
ZorgKiezer is a private company. It is classified as corporate owned and is currently operating.
When was ZorgKiezer founded?
ZorgKiezer was founded in 2005. It employs 11 to 50 people.
Where is ZorgKiezer based?
ZorgKiezer is headquartered in Amsterdam, Netherlands, in the Europe region.
How does ZorgKiezer make money?
One revenue line is on record: commission from insurance providers.
Who are ZorgKiezer's main competitors?
Direct peers on record are Check24, Verzekeringssite.nl, Pricewise, Independer.nl, Kieskeurig.nl, LeLynx.fr, Compare the Market, MoneySupermarket and Overstappen.nl. Selectra is listed as a regional player.
Does ZorgKiezer have an API?
No public API is recorded for ZorgKiezer.
What industry is ZorgKiezer in?
ZorgKiezer's product category is Health Insurance Comparison Platform. Its primary akta.pro industry code is FSAGAGAA, Digital Distribution & Comparison Platforms (Aggregators/Marketplaces). Its NAICS code is 5242 and its SIC code is 6411.