HollandZorg
HollandZorg is a Dutch health insurer specializing in statutory and supplementary health coverage for international workers, labor migrants, and expatriates in the Netherlands. It serves employers, temporary-employment agencies, and individuals through multilingual digital portals and native HR/payroll integrations.
- Company typePrivate
- Founded2008
- HeadquartersDeventer, Netherlands
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What HollandZorg does
HollandZorg is a specialized Dutch health insurer operating as a trademark of Eno Zorgverzekeraar N.V. and affiliated Eno entities under parent company Salland Zorgverzekeraar, headquartered in Deventer. The company focuses exclusively on health insurance for international workers, labor migrants, and expatriates employed in the Netherlands, offering statutory basic coverage alongside supplementary No-Risk I and II products, dental insurance, the Flexpolis collective policy, and services such as S1/E106 form issuance, healthcare allowance (zorgtoeslag) application, and digital European Health Insurance Cards. Its go-to-market is dual: digital-first to individual international workers through the Mijn HollandZorg portal, and account-managed sales to employers and temporary-employment agencies through the Zakelijk Portaal (Business Portal). Multilingual support across Dutch, English, Polish, Hungarian, Bulgarian, and Romanian is a defining operational feature.
HollandZorg's underlying technology stack centers on two self-service portals — Zakelijk Portaal for employers and Mijn HollandZorg for insured persons — and a native integration layer with the dominant Dutch HR and planning platforms AFAS, Plan4Flex, Mysolution, and Flexportal, which automate enrollment, deregistration, and document delivery. A digital GP-care offering, built with partners Arene and Healthcare for Internationals (H4i), provides consultations in 16 languages without requiring DigiD and resolves more than 70% of digital queries without an in-person visit; a joint H4i-Digital pilot launched in July 2026 targets national coverage starting from Tilburg and Venlo. Operational automation covers application processing and authorization assessments against policy criteria, with human review on request. The portfolio is rounded out by a Coordinated Vulnerability Disclosure policy and AVG/GDPR-aligned data-handling practices.
The business model is subscription-based monthly health-insurance premiums, collected via salary withholding for employed persons or direct billing for individual policyholders, complemented by annual collective contracts invoiced post-month to employers and staffing agencies. HollandZorg insures 'hundreds of thousands' of international workers annually and is positioned as the market leader in its segment after more than 16 years of operation. Customers include large labor intermediaries such as OTTO Work Force, Stipt Employment Services (People21, 3,000+ workers), Vuurin Personeelsdiensten, TWENTYFOUR 24, Green Talent, and Blue Services Group, served through a hybrid of inside sales, account management, self-service portals, and software-embedded distribution.
HollandZorg firmographics
Firmographics- Name
- HollandZorg
- Legal name
- HollandZorg is a trademark of Eno Zorgverzekeraar N.V., Eno Aanvullende Verzekeringen N.V., and Eno Zorg B.V.
- Website
- https://hollandzorg.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- HollandZorg is a Dutch health insurer specializing in statutory and supplementary health coverage for international workers, labor migrants, and expatriates in the Netherlands. It serves employers, temporary-employment agencies, and individuals through multilingual digital portals and native HR/payroll integrations.
- Ownership category
- akta.pro rank
HollandZorg industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Health and Welfare Funds (525120)
- SIC
- Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- International / Expatriate Group Health Plans (FSAIAFAJ)
- akta.pro secondary industries
- International/Expatriate Individual Health Insurance (FSAIAEAH), Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
Keywords
Where HollandZorg is headquartered
LocationHeadquarters
- HQ city
- Deventer
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
HollandZorg business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: Monthly premiums collected from employers through salary withholding (looninhouding) or from individuals for basic and supplementary health insurance coverage.
- Collective Group Insurance Contracts: Annual contracts with employers and employment agencies for group health insurance coverage of international workers, with premium invoicing post-month.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Health Insurance |
| Subscription | Monthly | Supplementary Insurance (No Risk I and II) |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
HollandZorg product offering
Product offeringCore offering
HollandZorg provides Dutch statutory and supplementary health insurance specialized for international workers, labour migrants, and expatriates employed in the Netherlands. Its core offering is the Flexpolis collective health insurance policy contracted by employers and staffing agencies, combined with individual basic and supplementary policies for insured persons. The offering is supported by a digital-first service model with multilingual support, an employer business portal, a personal insured portal, native integrations with Dutch HR/payroll systems, and digital multilingual GP care delivered via partner networks.
Product overview
HollandZorg is a specialized Dutch health insurer serving international workers, labor migrants, and expatriates in the Netherlands. Its product portfolio centers on the Flexpolis collective health insurance as the primary offering for employers and staffing agencies, complemented by individual Basic Health Insurance and a range of supplementary products (No Risk I and II, dental insurance). The ecosystem includes two digital platforms: the Zakelijk Portaal (Business Portal) for employer-side administration and enrollment management with software integrations to AFAS, Plan4Flex, Mysolution, and Flexportal; and Mijn HollandZorg (personal portal) for insured individuals. A standout differentiator is the digital multilingual GP care service, offered in partnership with Arene and H4i, providing labor migrants access to medical consultations in their own language. Supporting services include healthcare allowance application assistance, S1/E106 form issuance for cross-border coverage, and the digital EHIC card.
Differentiator
Problem solved
Functional benefit
Products and services
- Basic Health Insurance (Basisverzekering) Statutory Dutch basic health insurance covering essential healthcare (GP care, hospital treatment, medications) required by law for all residents, including international workers and labour migrants in the Netherlands.
- Supplementary Insurance (Aanvullende verzekering) Additional insurance coverage beyond the basic package, providing extra reimbursements for services such as physiotherapy, dental care, alternative medicine, and other health-related costs.
- Dental Insurance (Tandartsverzekering) Standalone dental insurance coverage for insured persons, covering dental treatments and check-ups not included in the basic package.
- Flexpolis Collective health insurance policy specifically designed for labour migrants and international employees, providing coverage through the employer collective scheme with premium collection via salary deduction and automated enrollment/deregistration, including comprehensive insurance coverage with multilingual service.
- No Risk I (Supplementary) Supplementary insurance add-on for collective policyholders providing additional coverage with full deductible buyout designed to eliminate financial barriers to healthcare access for labour migrants.
- No Risk II (Special Employment Policy) Enhanced supplementary insurance for policyholders under special employment arrangements, offering broader coverage and benefits for labour migrants.
- Zakelijk Portaal (Business Portal) Digital self-service portal for employers and staffing agencies to manage employee enrollment, deregistration, document downloads, claim submissions, and track policy changes for their collective health insurance, supporting automated enrollment via software integrations.
- Mijn HollandZorg Personal online environment for insured individuals to access their policy, digital health card, submit claims, download documents, request S1 forms, and access multilingual information about Dutch healthcare, without requiring DigiD.
- Digital GP Care (Digitale Huisartsenzorg) Digital GP consultation service providing insured persons without a local GP access to medical care via (video)call in their own language, with more than 70% of digital healthcare questions resolved digitally, provided through partners Arene and Healthcare for Internationals (H4i).
- European Health Insurance Card (EHIC) Digital European Health Insurance Card automatically provided to all public health insurance policyholders, entitling them to partial reimbursement of necessary medical care during temporary stays in EU/EEA countries and Switzerland.
- S1/E106 Form Service Service enabling policyholders living in treaty countries to obtain the S1/E106 form, which proves Dutch health insurance coverage and entitles them to healthcare under the regulations of their country of residence.
- Healthcare Allowance Assistance (Zorgtoeslag aanvraag) Service for employers to apply for healthcare allowance (zorgtoeslag) on behalf of their international employees, either per individual or via bulk upload, with HollandZorg handling communication with the Dutch Tax Authority (Belastingdienst).
Quantifiable outcome
- Over 70% of digital healthcare queries handled without physical GP visit
- +2 more outcomes
Companies that use HollandZorg
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
HollandZorg technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability2 records
Feature4 records
HollandZorg partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- H4i-Digital (Healthcare for Internationals)coreJoint pilot program for nationwide GP care model for labor migrants. Combines digital multilingual triage, H4i consultations in 16 languages, and network of physical GP practices. Pilot covers 30,000 insured in Tilburg and Venlo regions with goal of national coverage within one year. H4i-Digital was established by healthcare providers to scale H4i services nationally.
- Arene Digitale HuisartscoreDigital GP practice providing multilingual GP consultations for HollandZorg insured persons without a local GP. Services available via registration portal with consultations via phone or video call.
- Plan4FlexcoreIntegration partnership for enrollment/de-enrollment automation and document service. Plan4Flex has had enrollment service for years and is being expanded with document service for policy documents, health cards, S1 forms, and insurance period certificates.
- AFAScoreIntegration partnership with AFAS for automated enrollment/de-enrollment of international workers for collective health insurance, including document service. First live customer is Blue Services Group.
- PharosminorCollaboration to develop multilingual flyer in 10 languages helping temporary workers in the Netherlands navigate the Dutch healthcare system.
- Blue Services GroupminorFirst customer to implement AFAS integration, providing feedback on automated enrollment and document delivery functionality for the partnership.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
HollandZorg competitors and assessment
Company assessmentBroad incumbents
- Coöperatie VGZ: Large Dutch health insurance cooperative that financially supports HollandZorg via Salland; offers the full statutory basic and supplementary health insurance portfolio across all Dutch residents at much greater scale. Overlapping product set, broader customer base.
- CZ: Major Dutch health insurance group offering basic and supplementary health insurance for individuals and groups, including international workers. Comparable product set with nationwide presence and substantially larger policy base.
- Bupa Global: International health insurance provider serving expatriates and globally mobile employees. Overlapping expat/international-worker customer profile with comparable supplementary medical coverage products, though operating outside the Dutch statutory health system.
- Allianz Care: International health insurer specializing in expatriate and migrant health plans across multiple geographies. Overlapping expat/labor-migrant customer segment and product design, though primarily serving globally mobile populations rather than Dutch-statutory insured.
- Zilveren Kruis (Achmea): Largest Dutch health insurer providing statutory basic and supplementary coverage nationwide, including policies held by international workers and expats. Comparable product offering with vastly greater scale and brand reach.
- Menzis: Dutch health insurer serving individuals and employer groups with statutory and supplementary products. Directly competes for the same collective health insurance contracts with staffing agencies and employers in the Netherlands.
- Cigna Global Health: Global health insurer providing international and expatriate health insurance products. Comparable end-customer (expats/international workers) and overlapping product category, though operating primarily outside the Dutch statutory system.
Emerging players
- Now Health International: International health insurer offering digital-first plans for individuals and groups relocating or working abroad. Comparable cross-border expat/international worker focus and tech-forward underwriting, but smaller scale and non-Dutch statutory.
Direct peers
- OOM Verzekeringen: Dutch insurance specialist focused on migrant workers and international labor, offering comparable collective health and occupational insurance products in the Netherlands. Highly overlapping target customer base (labor migrants, staffing agencies) and similar niche positioning.
Others
- Aon (Netherlands): Major insurance broker and advisory firm in the Netherlands that intermediates between employers and health insurers for collective employee benefits. Competes indirectly for the same staffing-agency/employer relationships and shapes buyer choice of carriers including HollandZorg.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
HollandZorg social profiles
Digital presenceHollandZorg compliance and trust
Trust signalCompliance2 records
HollandZorg financial estimates
Financial estimateRevenue estimate
Valuation estimate
HollandZorg leadership team
Management profileNumber of profiles
Profiles1 record
HollandZorg funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HollandZorg 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 HollandZorg
What does HollandZorg do?
HollandZorg provides Dutch statutory and supplementary health insurance specialized for international workers, labour migrants, and expatriates employed in the Netherlands. Its core offering is the Flexpolis collective health insurance policy contracted by employers and staffing agencies, combined with individual basic and supplementary policies for insured persons. The offering is supported by a digital-first service model with multilingual support, an employer business portal, a personal insured portal, native integrations with Dutch HR/payroll systems, and digital multilingual GP care delivered via partner networks.
Is HollandZorg a public or private company?
HollandZorg is a private company. It is classified as corporate owned and is currently operating.
When was HollandZorg founded?
HollandZorg was founded in 2008. It employs 51 to 100 people.
Where is HollandZorg based?
HollandZorg is headquartered in Deventer, Netherlands, in the Europe region.
How does HollandZorg make money?
Two revenue lines are on record. Health Insurance Premiums are the primary driver. The others are collective Group Insurance Contracts.
Who are HollandZorg's main competitors?
Broad incumbents on record are Coöperatie VGZ, CZ, Bupa Global, Allianz Care, Zilveren Kruis (Achmea), Menzis and Cigna Global Health. Now Health International is listed as an emerging player. OOM Verzekeringen is listed as a direct peer. Aon (Netherlands) is listed as an others.
Does HollandZorg have an API?
No public API is recorded for HollandZorg.
What industry is HollandZorg in?
HollandZorg's product category is Health Insurance. Its primary akta.pro industry code is FSAIAFAJ, International / Expatriate Group Health Plans, with a secondary code of FSAIAEAH, International/Expatriate Individual Health Insurance. Its NAICS code is 524114 and its SIC code is 6321.