VvAA

What VvAA does

VvAA is a Dutch member-owned collective (Vereniging VvAA) founded in 1924 by three doctors and headquartered in Utrecht, serving more than 130,000 healthcare professionals across the Netherlands. It operates through two linked entities — the association (Vereniging VvAA) and the commercial group (VvAA Groep B.V.) — under supervision of De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM). The organization combines an insurance intermediary, a financial advisory practice (VvAA FEAB B.V.), a legal services arm (VvAA Legal), and a training/coaching division, all specialized in the healthcare vertical.

The core technology stack centers on a digital insurance intermediary platform: a self-service AOV direct application tool built on Yellow Walnut software, a MijnVvAA member portal for policy and claims management, Salesforce for CRM, and a marketing stack including Piwik Pro, Hotjar, and Adobe Experience Cloud. Insurance is delivered through two channels — execution-only digital (AOV direct, with €199 setup and €10/month management) and advisor-led (AOV advies, with €375 advisory fee and €30/month zorgservice) — alongside professional liability, health (now via ONVZ and a.s.r. from autumn 2026), property, auto, travel, life, and bundled starter packages for students and young professionals.

Revenue is generated primarily through insurance brokerage commissions on policies placed with carrier partners (Allianz, a.s.r., De Goudse, Avéro Achmea, Movir, ONVZ, Reaal, Interpolis, De Amersfoortse), recurring membership and management fees, and fee-based advisory services. VvAA Groep reported turnover of €207.7 million in 2025 with a pre-tax result of €14.5 million, generated by roughly 800 employees supporting the membership via digital channels, regional offices, and dedicated account managers for healthcare organizations.

Name

VvAA

Legal name

Vereniging VvAA

Website

https://vvaa.nl

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

501–1,000 employees

Short description

VvAA is a Dutch member-owned collective founded in 1924 that serves over 130,000 healthcare professionals as an insurance intermediary and financial advisor, distributing disability, professional liability, health, and personal lines insurance alongside legal, payroll, and practice advisory services across the Netherlands.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Health Care and Social Assistance (62)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ)

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Healthcare insurance brokerage
• Disability insurance intermediary
• Professional liability insurance
• Healthcare financial advisory
• Medical professional services

Headquarters

HQ city

Utrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation/Brokerage: VvAA acts as an intermediary between healthcare professionals and insurance companies (Allianz, a.s.r., De Goudse, Avéro Achmea, Movir, ONVZ). Earns commissions from insurance providers for placing policies. The company is one of the largest intermediaries in the Netherlands specializing in healthcare providers.
2. Advisory Services: Personalized financial and insurance advisory services for healthcare professionals, including AOV advice, mortgage advice, financial planning, and business advisory. Charged through one-time fees (€375 for AOV advice) and monthly service fees (€30 for AOV-zorgservice).
3. Membership Fees: VvAA operates as a professional association (collectief) with membership. Members receive access to exclusive products, services, and benefits tailored to healthcare professionals.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

VvAA is a member-owned Dutch association (Vereniging VvAA) that operates as a specialized insurance intermediary and advisor serving more than 130,000 healthcare professionals and healthcare organizations. Its core offerings are multi-carrier brokerage for disability (AOV), professional liability, health, and group insurance, complemented by financial advisory, legal services, and practice support tailored to clinicians. The firm combines digital self-service with regional human advisors and a separate business account management team for healthcare organizations.

Product overview

VvAA is a Dutch insurance collective and advisory services provider for healthcare professionals, serving approximately 130,000 members including doctors, dentists, physiotherapists, midwives, nurses, and medical specialists. The company operates as both an insurance broker and financial advisory firm, offering a comprehensive portfolio organized around core insurance products (disability insurance AOV direct and AOV advies, professional liability, health insurance, and personal lines), bundled packages (starter packages for new practitioners, student and young professional packages), and advisory services (legal services, financial administration, payroll services, mortgage advisory, training and coaching, and practice advisory). The product architecture combines self-service digital tools (AOV direct via Yellow Walnut platform) with advisory-led services (AOV advies with ongoing care service), enabling healthcare professionals to manage their insurance and business needs through a single provider. Insurance partnerships include major Dutch insurers such as Allianz, a.s.r., De Goudse, Movir, ONVZ, and Reaal.

Differentiator

Problem solved

Functional benefit

Brands

• AOV direct: Online execution-only disability insurance (AOV) service for healthcare professionals without personalized advice, allowing comparison of multiple insurers.
• AOV advies
• VvAA Legal
• VvAA financieel-economisch adviesbureau B.V.
• MijnVvAA

Products and services

• Disability Insurance (AOV) Brokerage Multi-carrier brokerage of arbeidsongeschiktheidsverzekering (AOV) coverage for self-employed and practice-owning healthcare professionals in the Netherlands, including a direct digital application flow and advisor-assisted placement.
• Professional Liability Insurance (Beroepsaansprakelijkheid) Healthcare-specific professional liability coverage for clinicians and practices, placed across multiple Dutch insurers and tailored to the risk profile of the relevant healthcare profession.
• Health Insurance Advisory (Zorgverzekering) Advisory and brokerage of Dutch health insurance (basis- and aanvullende zorgverzekering) for individual healthcare professionals, with healthcare-specialist guidance.
• Group Insurance for Healthcare Organizations (MSBs) Collective insurance schemes and group-level coverage for healthcare organizations and maatschaps- en samenwerkingsverbanden (MSBs), delivered through a dedicated business account management team.
• Financial Advisory Services Healthcare-specialist financial advisory covering personal finance, pension, succession planning, and practice-level financial structuring for individual members and practice owners.
• Legal Advisory Services Legal advisory tailored to healthcare professionals covering contracts, employment matters, practice partnerships, and regulatory issues affecting clinicians and practices.
• Practice and Business Advisory Practice management, practice start, and transition advisory for healthcare professionals setting up, running, or transferring practices.
• Vereniging VvAA Membership Membership program of the Vereniging VvAA, providing access to community, content, advisory, and member-only services for more than 130,000 healthcare professionals in the Netherlands.

Quantifiable outcome

• 130,000 healthcare professionals served as members
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ONVZcoreTechnology or Integration · 23 June 2026Health insurance partner. VvAA is expanding its health insurance offerings to include ONVZ alongside a.s.r. from autumn 2026, providing more choice for members.
• AllianzcoreTechnology or IntegrationInsurance partner for disability insurance (AOV) products offered through VvAA's intermediary services.
• a.s.r.coreTechnology or IntegrationInsurance partner for disability insurance (AOV) products. Also partner for health insurance offerings from autumn 2026.
• De GoudsecoreTechnology or IntegrationInsurance partner for disability insurance (AOV) products offered through VvAA's intermediary services.
• Avéro AchmeacoreTechnology or IntegrationInsurance partner for disability insurance (AOV) products offered through VvAA's intermediary services.
• MovircoreTechnology or IntegrationInsurance partner for disability insurance (AOV) products offered through VvAA's intermediary services. Specializes in income protection for self-employed professionals.
• Yellow WalnutcoreTechnology or IntegrationSoftware supplier providing the online application tool for AOV Direct. Enables customers to compose, compare, and apply for disability insurance digitally through VvAA's platform.
• IFMS in de VakgroepminorStrategic or Co-development PartnerPartnership for Intervisie Feedback Method System in medical specialist groups. VvAA provides support for medical specialists participating in IFMS programs that meet quality standards set by Federatie Medisch Specialisten, IGZ and NIAZ.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sazas: Dutch insurance provider focused on healthcare professionals and care institutions, offering income protection and absence solutions. Directly comparable as a healthcare-segment specialist competing with VvAA's AOV and verzuim product lines.
• Movir: Dutch insurer specialised in income protection and professional liability for self-employed professionals, including healthcare. Comparable because it sits inside VvAA's carrier panel but historically competes for the same AOV/beroepsaansprakelijkheid wallet.
• Nedasco: Dutch insurance intermediary and service provider serving intermediaries and self-employed professionals. Comparable as another large NL broker operating in the professional/zzp segment that competes for distribution and digital tooling mindshare with VvAA.
• Heilbron: Dutch insurance broker with a strong focus on self-employed professionals and SMEs. Comparable because it pursues the same professional/zzp customer base with multi-carrier brokerage and advisory services similar to VvAA's model.
• VKG: Dutch cooperative of independent insurance brokers serving business and professional clients. Comparable as a multi-carrier brokerage network competing for the same Dutch professional-segment wallet that VvAA targets.

Broad incumbents

• Aon: Global insurance and reinsurance brokerage with a dedicated healthcare practice. Comparable as a broad incumbent offering employer/organisational risk and benefits solutions that overlap with VvAA's enterprise (MSB/zorgorganisaties) offering.
• Marsh: Global insurance broker and risk advisor with a healthcare and life-sciences segment. Comparable because it competes for Dutch healthcare organisation insurance and risk advisory mandates at the enterprise end of VvAA's market.
• Willis Towers Watson: Global advisory, broking, and solutions firm serving large healthcare employers. Comparable as a broad incumbent with overlapping employee-benefits and risk capabilities that occasionally competes with VvAA Groep on larger healthcare organisation accounts.

Others

• ONVZ: Dutch health insurer and VvAA's newly announced health-insurance partner from autumn 2026. Adjacent rather than competing — relevant as an ecosystem participant that both enables VvAA's health-insurance expansion and could in theory disintermediate VvAA via direct distribution.
• Zorgverzekeraars Nederland: Dutch trade association of health insurers. Adjacent as an industry body that shapes the regulatory and product landscape in which VvAA's health-insurance distribution operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/showcase/vvaazakelijk
• Xx.com/vvaa

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VvAA