De Friesland
De Friesland is a regional Dutch health insurer (De Friesland Zorgverzekeraar) under Achmea, serving approximately 590,000 customers across Friesland and Northern Netherlands with basic, supplementary, dental, and P&C insurance distributed through a digital-first app and portal platform.
- Company typePrivate
- Founded1820
- HeadquartersLeeuwarden, Netherlands
- Headcount101–250
- GTM typeB2C
- OfferingServices
What De Friesland does
De Friesland (legal name: De Friesland Zorgverzekeraar) is a regional Dutch health insurer headquartered in Leeuwarden, Friesland, serving approximately 590,000 customers primarily across the Northern Netherlands (Friesland, Groningen, and Drenthe). Founded in 1820 and operating under the parent conglomerate Achmea B.V., the company is a wholly-owned regional brand within Achmea's healthcare division alongside sister brand Zilveren Kruis. It offers mandatory basic health insurance (basisverzekering), supplementary insurance, dental insurance, and adjacent property and casualty products including travel, cancellation, liability, car, and home insurance. Distribution is digital-first through the De Friesland App (iOS/Android), the Mijn De Friesland online portal secured by DigiD authentication, and dedicated portals for employers and healthcare providers, supplemented by phone and chat customer service.
The company's technology stack centers on a consumer-facing mobile platform with 24/7 chatbot ('Anne'), image-based receipt capture for claims, iDEAL/Wero payment integration, and mandatory DigiD authentication. It operates automated claims processing and integrates with Vecozo for healthcare provider declarations, and shares healthcare purchasing activities (zorginkoop) with sister brand Zilveren Kruis to leverage combined negotiating power with regional providers such as Frisius MC, MCL, Stadspoli Leeuwarden, and KwadrantGroep. Its subsidiary digital health initiative, Dokter Appke, provides on-demand health question answering, symptom checking, and appointment coordination, with English language support added in 2025 to broaden accessibility.
De Friesland's revenue model is subscription-based, generating income primarily from recurring basic health insurance premiums (set annually under Dutch regulation), supplemented by supplementary and dental insurance premiums, and ancillary P&C products. It serves three primary segments: individual consumers (primary), employers seeking collective health insurance, and healthcare providers requiring contract management and claims processing infrastructure. With approximately 250 employees and an 8.7/10 customer satisfaction score, the company operates as a stable regional incumbent within a mature, regulatorily constrained market, with growth oriented toward digital service enhancement and care coordination rather than market share expansion.
De Friesland firmographics
Firmographics- Name
- De Friesland
- Legal name
- De Friesland Zorgverzekeraar
- Website
- https://defriesland.nl
- Company type
- Private
- Founded year
- 1820
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- De Friesland is a regional Dutch health insurer (De Friesland Zorgverzekeraar) under Achmea, serving approximately 590,000 customers across Friesland and Northern Netherlands with basic, supplementary, dental, and P&C insurance distributed through a digital-first app and portal platform.
- Ownership category
- akta.pro rank
De Friesland industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)
Keywords
Where De Friesland is headquartered
LocationHeadquarters
- HQ city
- Leeuwarden
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
De Friesland business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Health Insurance Premiums: De Friesland generates revenue through mandatory basic health insurance (basisverzekering) premiums paid by policyholders, as well as supplementary insurance (aanvullende verzekering) and dental insurance (tandartsverzekering) premiums. Revenue is subscription-based with monthly billing.
- Supplementary Insurance: Additional insurance products including travel insurance, cancellation insurance, liability insurance, car insurance, and home insurance offered to complement core health coverage.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic health insurance (Basisverzekering) - mandatory coverage |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
De Friesland product offering
Product offeringCore offering
De Friesland Zorgverzekeraar is a regional Dutch health insurer headquartered in Leeuwarden, Friesland, founded in 1820. It underwrites and distributes basic (basisverzekering) and supplementary (aanvullende) health insurance, dental insurance, and ancillary products including travel, cancellation, liability, car, and home insurance to more than 590,000 policyholders in the northern Netherlands. The company combines traditional insurance underwriting with digital self-service via mobile apps, an online portal, chatbot, and integration with Dutch national health-IT systems such as Vecozo, DigiD, and iDEAL/Wero.
Differentiator
Problem solved
Functional benefit
Brands
- De Friesland App: Mobile application for policy management, claims submission, and digital health card
- Dokter Appke
- Mijn De Friesland
- Samen Fitter
- Stichting De Friesland
Products and services
- Basisverzekering (Basic health insurance) Mandatory basic health insurance product (basisverzekering) covering the standard Dutch government-defined healthcare package for individual policyholders and families in the Netherlands.
- Aanvullende verzekering (Supplementary health insurance) Optional supplementary insurance (aanvullende verzekering) that extends coverage beyond the basic package to include services such as physiotherapy, alternative care, preventive programs, and other extras not covered by the basisverzekering.
- Tandartsverzekering (Dental insurance) Optional dental insurance covering routine and restorative dental care (check-ups, fillings, crowns, etc.) for adult policyholders, available as a standalone or bundled add-on to the supplementary package.
- Collectieve zorgverzekering (Collective health insurance) Collective (group) health insurance product offered to Dutch employers for their employees, administered via the De Friesland employer portal with consolidated billing and volume-based pricing.
- Reisverzekering (Travel insurance) Travel insurance covering medical emergencies, baggage, and travel assistance for policyholders during domestic and international trips, marketed as an add-on to De Friesland health insurance.
- Annuleringsverzekering (Cancellation insurance) Cancellation insurance that reimburses policyholders for prepaid trip costs if a trip is cancelled or interrupted due to covered reasons, offered alongside De Friesland travel insurance.
- Aansprakelijkheidsverzekering (Liability insurance) Private liability insurance covering damages the policyholder or family members cause to third parties, marketed as an optional household/personal line.
- Autoverzekering (Car insurance) Car insurance (WA, WA+ and allrisk/casco tiers) for private vehicle owners, distributed as an optional personal line product alongside De Friesland health insurance.
- Woonverzekering (Home insurance) Home contents and/or home (building) insurance covering household goods and structural damage for owner-occupiers and tenants, offered as an optional personal line add-on.
Quantifiable outcome
- 590,000+ customers served
- +3 more outcomes
Companies that use De Friesland
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
De Friesland technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability4 records
Feature3 records
De Friesland partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- Frisius MCcoreFrom January 2025, MCL and Tjongerschans merged under the name Frisius MC. Contract agreement with De Friesland and Zilveren Kruis for 2025 and beyond.
- VNO-NCW MKB NoordcorePartnership extended between VNO-NCW MKB Noord and De Friesland for healthy work initiatives and employer support programs in the northern Netherlands region.
- Zilveren KruiscoreDe Friesland shares healthcare purchasing activities (zorginkoop) with Zilveren Kruis, both being part of Achmea. Combined purchasing power for better contract terms with healthcare providers.
- AchmeacoreAchmea B.V. is the parent company of De Friesland. Achmea is responsible for proper processing of personal data for all Achmea brands. De Friesland is part of the healthcare division Zilveren Kruis of Achmea.
- MCL (Medisch Centrum Leeuwarden)coreLong-term healthcare contracts for hospital care services in Friesland. MCL is the largest hospital in the region with ongoing contract agreements.
- Stadspoli LeeuwardenminorTwo-year contract for advisory specialist consultations in primary care setting. Partnership between De Friesland, MCL, GPs, and VCL.
- DHENN (Digital Health Noord-Nederland)minor18 organizations including UMCG, Frisius MC, Hanzehogeschool, NHL Stenden, and De Friesland collaborate in DHENN program to develop and bring digital health innovations to market.
- Sport FryslânminorPartnership to bring movement and sports activities closer to Friesland residents, supporting community health initiatives.
- RIVO-NoordminorCollaboration on IZA transformation plan for Regional Service MDO (multidisciplinary team meetings) approved by De Friesland, Menzis, and Zilveren Kruis.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
De Friesland competitors and assessment
Company assessmentBroad incumbents
- Achmea: Achmea B.V. is the parent insurance group of De Friesland, Zilveren Kruis, FBTO, Interpolis, and Pro Life. It is the broadest incumbent in the Dutch insurance market and the relevant group-level context for De Friesland's corporate strategy, capital, and shared services.
- ASR Nederland: ASR Nederland is a large Dutch insurance group offering life, non-life, and increasingly health insurance. It is comparable as a broader incumbent in the Dutch insurance space that competes with De Friesland's broader product set (travel, home, car) and is a potential consolidator or competitor in the health segment.
Direct peers
- Coöperatie VGZ: Coöperatie VGZ is a large Dutch health insurer with a strong regional base in the central and southern provinces. It competes directly with De Friesland on basic insurance offerings, employer group contracts, and digital policy/claims services.
- DSW Zorgverzekeraar: DSW is an independent regional Dutch health insurer based in Schiedam, offering basic, supplementary, and dental insurance to a defined regional catchment. It is comparable to De Friesland as a smaller, regionally anchored carrier competing against national players.
- Zorg en Zekerheid: Zorg en Zekerheid is a Dutch regional health insurer operating primarily in the Leiden and surrounding region. It directly mirrors De Friesland's regionally branded, multi-product health insurance model and employer group business.
- Menzis: Menzis is a Dutch regional health insurer headquartered in Groningen, directly overlapping with De Friesland in the northern Netherlands (Groningen and Drenthe). It offers the same regulated basic insurance plus supplementary packages to consumers and employers, with a comparable regional identity strategy.
- Zilveren Kruis: Zilveren Kruis is the largest Dutch health insurer and a direct sibling brand under Achmea. It sells the same individual and collective basic, supplementary, and dental health insurance products to consumers and employers nationally, and shares zorginkoop (healthcare purchasing) with De Friesland, making it the closest comparable on product, customer, and operating model.
- FBTO: FBTO is a direct-writer Achmea sibling brand selling health insurance online to consumers across the Netherlands. It is comparable as a same-parent basic and supplementary insurer and competes with De Friesland in the same Achmea stable for digital-first customer acquisition.
- CZ: CZ is one of the large Dutch regional health insurers, providing basic, supplementary, and dental insurance with strong regional positioning in the central and southern Netherlands. It is a like-for-like competitor on product mix, employer collective contracts, and digital service channels.
- ONVZ: ONVZ is a Dutch health insurer offering basic and supplementary coverage with a focus on higher-end and employer-sponsored segments. Comparable to De Friesland on product breadth and direct-to-consumer digital distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
De Friesland social profiles
Digital presenceDe Friesland financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Friesland leadership team
Management profileNumber of profiles
Profiles1 record
De Friesland funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Friesland 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 De Friesland
What does De Friesland do?
De Friesland Zorgverzekeraar is a regional Dutch health insurer headquartered in Leeuwarden, Friesland, founded in 1820. It underwrites and distributes basic (basisverzekering) and supplementary (aanvullende) health insurance, dental insurance, and ancillary products including travel, cancellation, liability, car, and home insurance to more than 590,000 policyholders in the northern Netherlands. The company combines traditional insurance underwriting with digital self-service via mobile apps, an online portal, chatbot, and integration with Dutch national health-IT systems such as Vecozo, DigiD, and iDEAL/Wero.
Is De Friesland a public or private company?
De Friesland is a private company. It is classified as corporate owned and is currently operating.
When was De Friesland founded?
De Friesland was founded in 1820. It employs 101 to 250 people.
Where is De Friesland based?
De Friesland is headquartered in Leeuwarden, Netherlands, in the Europe region.
How does De Friesland make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are supplementary Insurance.
Who are De Friesland's main competitors?
Broad incumbents on record are Achmea and ASR Nederland. Direct peers are Coöperatie VGZ, DSW Zorgverzekeraar, Zorg en Zekerheid, Menzis, Zilveren Kruis, FBTO, CZ and ONVZ.
Does De Friesland have an API?
No public API is recorded for De Friesland.
What industry is De Friesland in?
De Friesland's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAK, Individual Health Insurance Administration (TPA/ASO). Its NAICS code is 524114 and its SIC code is 6321.