ONVZ

What ONVZ does

ONVZ is a Dutch private health insurance company founded in 1933 and headquartered in Houten, Netherlands. The company operates under a mutual association structure (Vereniging ONVZ) and offers mandatory basic health insurance (Basisverzekering) under the Zorgverzekeringswet alongside a suite of supplementary plans covering dental, physiotherapy, international travel, and alternative medicine. ONVZ serves primarily Dutch resident individuals and families, with secondary distribution to employer collectives and intermediated sales through independent insurance advisors and comparison sites.

The product portfolio is structured around two core brands: ONVZ Vrije Keuze (Freedom of Choice), offering 100% reimbursement from contracted providers with maximum provider flexibility, and ONVZ Bewuste Keuze (Conscious Choice), a lower-premium alternative with approximately 70% reimbursement for non-contracted providers. Each base plan is paired with tiered supplementary packages (Startfit through Superfit for Vrije Keuze; Start and Extra for Bewuste Keuze), dental options (Tandfit), and travel coverage (Wereldfit, Op Reis). Service differentiators include the ZorgConsulent personal advisory service staffed by BIG-registered nurses, the Snelzorg fast-care waiting list mediation (claimed to accelerate treatment by an average of 11 weeks), and 24/7 Zorgassistance emergency support via SOS International for travelers abroad. Digital infrastructure comprises the ONVZ mobile app (iOS/Android), the MijnONVZ self-service portal, and the Zorgzoeker care finder tool, all integrated with the Dutch national DigiD identity system.

ONVZ generates revenue through recurring subscription premiums, with monthly pricing of €156.10-€166.10 for basic insurance (2026 rates) plus supplementary plan premiums. Distribution combines direct-to-consumer digital channels, insurance advisor networks, comparison sites, and employer collective contracts. Effective January 1, 2027, ONVZ will transfer risk-bearing responsibilities for both basic and supplementary insurance to VGZ under a strategic partnership, while maintaining its customer-facing brand and operations. The company holds GDPR/AVG privacy compliance, ISO 27002 information security standards, and WCAG 2.2 accessibility compliance, with oversight from De Nederlandsche Bank. ONVZ is structured around two legal entities—ONVZ Ziektekostenverzekeraar N.V. (basic insurance) and ONVZ Aanvullende Verzekering N.V. (supplementary insurance)—and employs 251-500 staff.

Name

ONVZ

Legal name

ONVZ Ziektekostenverzekeraar N.V.

Website

https://onvz.nl

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

251–500 employees

Short description

ONVZ is a Dutch private health insurer founded in 1933, offering mandatory basic health insurance and supplementary plans to Dutch residents under two brands (Vrije Keuze and Bewuste Keuze), with a strategic partnership transferring risk-bearing to VGZ effective January 2027.

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

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Health insurance
• Basic health insurance
• Supplementary health insurance
• Dental insurance
• International travel insurance

Headquarters

HQ city

Houten

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, Others

Revenue model

1. Health Insurance Premiums: ONVZ generates revenue primarily through premium payments for health insurance policies. The company offers basic health insurance (mandatory in the Netherlands) and supplementary insurance plans. Premiums are paid monthly, quarterly, semi-annually, or annually by policyholders. Premium rates vary by plan (Vrije Keuze vs Bewuste Keuze) and deductible choices.
2. Supplementary Insurance: Additional revenue from supplementary health, dental, and international travel insurance plans that complement the basic coverage.
3. Collective Group Insurance: Revenue from employer collective contracts offering group discounts on premiums.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

ONVZ is a Dutch health insurance company that provides mandatory basic health insurance (Basisverzekering) under the Zorgverzekeringswet, offered in two architectures: ONVZ Vrije Keuze (Freedom of Choice, 100% reimbursement at contracted providers) and ONVZ Bewuste Keuze (Conscious Choice, ~70% non-contracted reimbursement). The company layers supplementary insurance plans for physiotherapy, dental, alternative medicine, and international travel, supported by personal advisory services (ZorgConsulent), fast-care mediation (Snelzorg), and 24/7 emergency assistance (Zorgassistance).

Product overview

ONVZ is a Dutch health insurer offering two main base insurance architectures: ONVZ Vrije Keuze (Freedom of Choice) and ONVZ Bewuste Keuze (Conscious Choice). Vrije Keuze provides maximum provider flexibility with 100% reimbursement from contracted providers, while Bewuste Keuze offers lower premiums with 70% non-contracted reimbursement. Each base plan has corresponding supplementary add-ons: Vrije Keuze includes Startfit, Benfit, Optifit, Topfit, Superfit (plus Wereldfit for travel and OntzorgPlus), with Tandfit dental options. Bewuste Keuze includes Start, Extra (with physiotherapy and dental accident coverage), and Op Reis travel coverage. Core service differentiators include the ZorgConsulent personal health advisor service, Snelzorg fast-care waiting list reduction (11 weeks earlier on average), and 24/7 Zorgassistance via SOS International. Digital access is provided through the ONVZ mobile app (iOS/Android) and MijnONVZ web portal.

Differentiator

Problem solved

Functional benefit

Products and services

• ONVZ Vrije Keuze Basisverzekering Basic health insurance plan under the Zorgverzekeringswet for Dutch residents, offering 100% reimbursement from contracted healthcare providers and up to 85% from non-contracted providers. Customers can choose any provider without referral. Premium €166.10/month.
• ONVZ Bewuste Keuze Basisverzekering Budget-oriented basic health insurance plan offering approximately 70% reimbursement from non-contracted healthcare providers at a lower premium. Premium €156.10/month.
• ONVZ Vrije Keuze Supplementary Insurance (Startfit, Benfit, Optifit, Topfit, Superfit) Tiered supplementary insurance plans for Vrije Keuze customers covering alternative treatments, flu vaccinations, physiotherapy, dental care, orthodontics, and extensive medical coverage. Superfit requires a health declaration and is unavailable to customers living abroad.
• ONVZ Bewuste Keuze Supplementary Insurance (Start, Extra) Tiered supplementary plans for Bewuste Keuze policyholders. Extra plan covers 100% urgent healthcare abroad, 6 physiotherapy sessions, dental accident coverage up to €10,000, maternity care €250, and Headspace subscription. Premium €9.90/month.
• ONVZ Wereldfit International travel supplementary insurance providing full reimbursement for urgent medical care worldwide up to local market rates. Designed for travelers, expatriates, and those on internships abroad.
• ONVZ Op Reis Travel insurance supplementary plan for Bewuste Keuze policyholders providing coverage for emergency medical assistance abroad.
• ONVZ OntzorgPlus Additional service package providing enhanced support and coordination for complex healthcare situations beyond standard insurance coverage.
• ONVZ Tandfit Dental Insurance Dental insurance packages (A, B, C, and Preventief) providing various levels of dental care coverage for policyholders.
• ONVZ ZorgConsulent Personal healthcare advisor service providing expert guidance on health questions, waiting list mediation, second opinions, and care coordination. Staffed by advisors including nurses registered under Wet BIG (Dutch healthcare professionals register).
• ONVZ Snelzorg Fast care service enabling Vrije Keuze insured customers to access healthcare providers more quickly through waiting list mediation, reportedly helping insured patients get help 11 weeks earlier on average.
• ONVZ Zorgassistance 24/7 emergency assistance service for urgent medical care abroad, provided in partnership with SOS International. Contact number: +31 (0)88 668 97 67.
• ONVZ Health Basic & Health Premium International health insurance plans for individuals in the Netherlands who are not eligible for Dutch basic health insurance, such as those awaiting residency permits or without entitlement to standard coverage.

Quantifiable outcome

• Customers are helped 11 weeks earlier on average through ONVZ's waiting list mediation and Snelzorg services
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• VGZcoreStrategic or Co-development Partner · 1 January 2027Strategic partnership effective January 1, 2027 where ONVZ transfers the risk-bearing (risicodragerschap) of both basic and supplementary insurance to VGZ. ONVZ also joins VGZ's healthcare purchasing (zorginkoop). The goal is to invest in collaboration to achieve changes in healthcare together with healthcare providers, with the shared objective of accessible, affordable, and high-quality healthcare for everyone.
• SOS InternationalcoreStrategic or Co-development PartnerSOS International provides the ONVZ Zorgassistance emergency center, available 24 hours a day, seven days a week for urgent medical care abroad. Contact number: +31 (0)88 668 97 67.
• Royal DoctorscoreTechnology or IntegrationRoyal Doctors provides written second opinions through an international network of specialists. ONVZ provides full coverage for Royal Doctors services. This allows insured persons to receive medical opinions from a broader international perspective.
• HikoscoreTechnology or IntegrationHikos provides the Medisch Specialist Online platform that gives ONVZ Vrije Keuze policyholders access to online medical specialist advice. This enables insured persons to get advice from medical specialists online or by phone to make better medical choices.
• VECOZOcoreTechnology or IntegrationVECOZO provides the secure healthcare communication network (Vecozo) that allows healthcare providers to check insurance coverage and submit claims electronically on behalf of patients.
• VektiscoreTechnology or IntegrationVektis performs analysis of declaration data from all health insurers to improve healthcare and maintain accessible and affordable care. Vektis also supports government bodies, healthcare professionals, and patient organizations.

Scale indicators7 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Zilveren Kruis (Achmea): The largest Dutch health insurer (~5M insured) and the dominant brand in the same Zorgverzekeringswet basic-insurance market ONVZ operates in. Directly comparable on product architecture (basic + supplementary) and customer segments, with materially greater scale.
• VGZ: Top-3 Dutch health insurer and ONVZ's incoming strategic partner for risk-bearing and zorginkoop from January 2027. Closest direct competitor in basic/supplementary health insurance and now a channel partner for ONVZ.
• CZ: Major Dutch health insurer (~3.7M insured) offering basic and supplementary plans with similar freedom-of-choice product structures. Directly comparable on customer base, channel mix, and regulated product economics.
• Menzis: Dutch health insurer (~2M insured) competing in the same basic and supplementary insurance market with regional cooperative roots. Comparable on product breadth, digital distribution, and collective employer offerings.
• DSW Zorgverzekeraar: Smaller Dutch mutual-style health insurer with a focus on quality and freedom-of-choice positioning very similar to ONVZ's 'Eersteklas' brand. Closest peer on values, target customer, and premium positioning despite smaller scale.
• FBTO (Achmea): Direct-to-consumer brand of Achmea selling basic and supplementary health insurance online with self-service claims — directly comparable to ONVZ's digital-first, app-led distribution model.
• Just (VGZ): Online-only Dutch health insurer under the VGZ umbrella targeting price-sensitive digital-native customers. Comparable product set (basic + supplementary) with a digital acquisition motion overlapping ONVZ's app/portal flow.
• Univé: Dutch mutual health insurer operating regional cooperative structures offering basic and supplementary insurance. Comparable on mutual-style governance, regional customer base, and supplementary product portfolio.

Broad incumbents

• Nationale-Nederlanden: Large Dutch financial-services incumbent offering life, non-life, and health insurance. Adjacent rather than direct — overlaps ONVZ in individual health products but competes through a broader multi-line portfolio.
• a.s.r. Nederland: Dutch insurance incumbent expanding into health and income protection. Comparable in regulated Dutch insurance distribution but with a broader financial-services portfolio rather than a health-specialist focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/ONVZZorgverzekeraar
• Facebookfacebook.com/ONVZ
• LinkedInnl.linkedin.com/company/onvz
• Instagraminstagram.com/onvz_zorgverzekeraar
• Xx.com/onvz

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 ONVZ