De christelijke zorgverzekeraar

What De christelijke zorgverzekeraar does

De christelijke zorgverzekeraar is a Dutch health insurance brand operating exclusively in the Netherlands, serving individuals and families who seek health coverage aligned with Christian values. The brand is operated under Achmea B.V. — one of the largest insurance groups in the Netherlands — through the underwriting entity Achmea Zorgverzekeringen N.V. (with Zilveren Kruis Zorgverzekeringen N.V. as a sister entity), and is headquartered in Leiden. The portfolio centers on the legally mandated basic insurance policy (Principe Polis) priced at €140.25–€155.25/month depending on deductible, complemented by three supplementary tiers (Smallpolis €9.50, Mediumpolis €24.75, Largepolis €51.50/month), a closed Extra Largepolis tier (€79.95/month), and three dental plans (Tand Small €15.25, Tand Medium €26.95, Tand Large €45.25/month). Differentiation rests on a faith-based value proposition: a curated network of Christian healthcare providers identifiable by the ichthus symbol, faith-aligned self-help programs covering relationships, grief, mental resilience, and end-of-life planning, and dedicated care navigation via the Zorgcoach service.

The technology stack is digital-first and consumer-facing rather than proprietary-AI-driven: a web-based self-service portal (Mijn | Polis), an iOS/Android mobile application with photo-based claims submission and embedded digital health insurance card (including EHIC for EU/EEA travel), authentication via the Dutch government's DigiD system, and payment integration through iDEAL and Wero. Operational compliance is documented for GDPR/AVG adherence, the Code of Conduct for Processing Personal Data by Insurers, the Telecommunications Act, WCAG 2.1 AA / EN 301 549 accessibility (independently audited in 2025), and ISO 27001-aligned security practices. Customer support is delivered by phone (Monday–Friday 8:30–17:30), WhatsApp, and self-service portals; an end-of-life workbook service (Mijn levenseinde) and a short-form video series (Zorgsnacks) extend the brand's content surface.

Revenue is generated entirely through recurring monthly premiums (with 1% annual and 0.5% semi-annual prepayment discounts), with no broker or physical branch distribution — all acquisition occurs direct-to-consumer via the website and mobile app. Group sales are available through the Collectiviteit channel for employers and organizations. Marketing combines digital properties (social, email newsletter, Zorgsnacks video) with community-level presence: sponsorship of faith-based events such as the Opwekking Conference (May), EFT Congress (June), the Zingeving in de ggz symposium (June), and Familiedagen Gorinchem (October). Per KlantenMonitor Zorgverzekeringen research, the brand ranks #1 among Dutch health insurers for trust, holds an overall customer score of 8.3, and an 8.5 customer service rating.

Name

De christelijke zorgverzekeraar

Legal name

Achmea Zorgverzekeringen N.V.

Website

https://dechristelijkezorgverzekeraar.nl

Company type

Private

Founded year

1923

Operating status

Operating

Headcount range

11–50 employees

Short description

Dutch health insurance brand serving faith-aligned households with the legally mandated basic insurance, tiered supplementary packages, and dental plans, distinguished by a curated Christian healthcare provider network and faith-based self-help programs, operated under Achmea/Zilveren Kruis.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Supplement (Medigap) Plans (FSAIAGAB)

akta.pro secondary industries

Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH), Medicare Supplement (Medigap) (FSAIAEAG)

Keywords

• Health insurance services
• Supplementary medical coverage
• Dental insurance plans
• Faith-based healthcare
• Basic health insurance

Headquarters

HQ city

Netherlands

HQ country

United States

HQ region

North America

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: The company generates revenue through recurring monthly premiums paid by policyholders for basic health insurance (Basisverzekering), supplementary insurance (aanvullende verzekering), and dental insurance (tandartsverzekering). Premiums are collected via automatic direct debit, bank transfer, or digital payment (iDEAL/Wero). Volume depends on the number of insured individuals and the chosen policy tier and deductible excess.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

De christelijke zorgverzekeraar is a Dutch health insurance provider selling basic health insurance (Principe Polis, legally required basisverzekering), tiered supplementary packages (Smallpolis, Mediumpolis, Largepolis), and dental plans (Tand Small/Medium/Large). Policies are underwritten and serviced via the Achmea group's infrastructure and distributed through a DigiD-authenticated online portal (Mijn | Polis) and a native iOS/Android mobile app, with a distinctive faith-based care offering including a Christian provider directory, Zorgcoach waiting-list mediation, and Christian self-help programs.

Product overview

De christelijke zorgverzekeraar is a Dutch health insurer offering a modular insurance portfolio centered on the Principe Polis basic health insurance policy, supplemented by tiered supplementary packages (Smallpolis, Mediumpolis, Largepolis) and dental plans (Tand Small, Tand Medium, Tand Large). The insurer's digital ecosystem includes Mijn | Polis (web portal) and De christelijke | App (mobile app) for policy management, claims submission, and digital insurance cards. A distinctive aspect of the offering is the focus on Christian healthcare, including dedicated Christian provider networks, faith-based care programs (Sterke relaties, Geloof en gezondheid, Omgaan met rouw), and end-of-life planning services. The insurer is part of the Achmea group.

Differentiator

Problem solved

Functional benefit

Products and services

• Principe Polis (Basisverzekering) The core basic health insurance policy (basisverzekering) required by Dutch law, with customizable deductible (eigen risico) options ranging from €385 to €885, providing coverage for essential healthcare services as defined by the Dutch Health Insurance Act for individuals and families in the Netherlands.
• Smallpolis supplementary insurance Entry-level supplementary insurance package covering additional healthcare costs beyond the basic policy, priced at €9.50/month for adults 18+. Free for children 0-17 when a parent has the top package. Targets Dutch individuals seeking modest additional coverage.
• Mediumpolis supplementary insurance Mid-tier supplementary insurance package offering broader healthcare coverage than Smallpolis, priced at €24.75/month for adults 18+. Targets Dutch individuals and families seeking moderate additional coverage.
• Largepolis supplementary insurance Comprehensive supplementary insurance package with extensive coverage benefits, priced at €51.50/month for adults 18+. Children 0-17 receive this package free with a parent's top package. Targets Dutch individuals seeking broad additional coverage.
• Tand Small dental insurance Basic dental insurance covering routine dental care, priced at €15.25/month for adults 18+. Targets Dutch adults seeking foundational dental coverage.
• Tand Medium dental insurance Mid-tier dental insurance with broader dental coverage than Tand Small, priced at €26.95/month for adults 18+. Targets Dutch adults seeking moderate dental coverage.
• Tand Large dental insurance Comprehensive dental insurance covering extensive dental treatments, priced at €45.25/month for adults 18+. Targets Dutch adults seeking extensive dental coverage.
• Collectiviteit (Collective Health Insurance) Group health insurance packages offering employer or organization-based coverage with potential benefits and discounts. Targets Dutch employers, churches, and organizations providing health insurance benefits to members or employees.
• Mijn | Polis self-service portal Personal online portal for policyholders to manage insurance matters, view coverage, submit claims, check costs, pay bills, change personal details, and access digital documents. Requires DigiD login. Available to all De christelijke zorgverzekeraar customers.
• De christelijke | App (mobile app) Native mobile application for iOS (App Store) and Android (Google Play) enabling policyholders to access insurance details, submit receipts via photo upload, access the digital zorgpas (including EHIC for international travel), and pay outstanding bills. Requires iOS 14+ or Android 8.0+.
• Zorgpas (with EHIC) Health insurance card with European Health Insurance Card (EHIC) functionality for cross-border healthcare within the EU/EEA. Available as both physical card and digital version within the mobile app, replacing the physical card. Issued to all insured members.
• De christelijke | Zorgcoach (Care Coach) Care coaching service providing waitlist mediation (wachtlijstbemiddeling) for medical specialist and mental health care, birth services (geboorteservice), and assistance with organizing healthcare, including help finding Christian healthcare providers. Available to all policyholders.
• Zorggids / Zorgzoeker (Care Finder) Online directory of contracted healthcare providers, with filters for Christian healthcare providers identifiable by the ichthus (fish) symbol. Available to policyholders seeking in-network providers.
• Zorgkosten Betalen in Delen (installment payments) Installment payment service allowing policyholders to spread healthcare costs over monthly payments of €25, €50, €75, €100, or €150, with new bills automatically added to the installment plan. Available via Mijn | Polis.
• Sterke relaties (Christian relationship program) Christian relationship program offering support for couples and families based on Christian values. Available to policyholders via the online Christian self-help platform.
• Geloof en gezondheid (Faith and health program) Faith and health program combining spiritual growth with mental wellness, helping members develop the fruit of the Spirit for stronger, calmer living. Available to policyholders via online zelfhulp.
• Omgaan met rouw (Grief support program) Grief counseling program helping members cope with loss including bereavement, job loss, or health decline. Available to policyholders via online zelfhulp.
• Mijn levenseinde (End-of-life planning) End-of-life planning service providing a workbook to help members prepare for and discuss end-of-life matters. Available on request to policyholders.

Quantifiable outcome

• Customer service rated 8.5 and ranked #1 in trust among Dutch health insurers
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AchmeacoreOthersDe christelijke zorgverzekeraar is a brand of Achmea, operating under the Zilveren Kruis brand. Achmea B.V. is jointly responsible for data processing and privacy compliance. The company leverages Achmea's infrastructure, technology platforms (including the responsible disclosure program), and operational scale.
• Zilveren Kruis Zorgverzekeringen N.V.coreOthersDe christelijke zorgverzekeraar operates as a brand under Zilveren Kruis Zorgverzekeringen N.V., a Dutch health insurer registered in Leiden (KvK 06088185, AFM 12001027). Zilveren Kruis is the primary insurance entity within the Achmea group providing the legal basis for policy terms and premiums.
• DigiDcoreTechnology or IntegrationDigiD (Digitale Identiteit - Digital Identity) is the Dutch government-issued digital identity system used by citizens to authenticate with government and private sector organizations. De christelijke zorgverzekeraar uses DigiD for all customer portal logins and supports DigiD Machtigen (authorization delegation).
• CAK (Centraal Administratie Kantoor)minorOthersCAK handles compensation of mandatory deductibles and manages the registration/deregistration for payment arrears for health insurance premiums (from 6 months of arrears). De christelijke zorgverzekeraar shares BSN and bank account details with CAK for these purposes.
• Achmea B.V. / Privacy ManagerminorOthersAchmea B.V. serves as the central point for privacy inquiries, complaints, and data subject requests. Privacy-related complaints can be escalated to [email protected] or the Achmea Privacy Manager at Postbus 866, 3700 AW Zeist.
• De Stichting Klachten en Geschillen Zorgverzekeringen (SKGZ)minorOthersSKGZ handles complaints and disputes for health insurance matters if direct resolution with the insurer fails. Address: Postbus 291, 3700 AG Zeist, Tel. 088 900 6 900.
• Nationaal Cyber Security Centrum (NCSC)minorOthersThe responsible disclosure ( Coordinated Vulnerability Disclosure ) program of De christelijke zorgverzekeraar is based on the NCSC's Leidraad Responsible Disclosure. The NCSC is the Dutch government's central authority for cybersecurity.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Univé: Dutch mutual health insurer part of the VGZ coöperatie; offers basic, supplementary, and dental plans with comparable tier structure and digital distribution, competing for similar Dutch households.
• VGZ: One of the four major Dutch health insurance groups (Coöperatie VGZ), offering basic, supplementary, and dental plans directly to Dutch consumers with a comparable direct-to-consumer digital distribution model.
• DSW Zorgverzekeraar: Independent Dutch health insurer operating in a limited regional footprint with strong customer satisfaction; competes in the same basic/supplementary/dental market with a comparable direct-to-consumer model.
• CZ: Large Dutch mutual health insurer providing basic, supplementary, and dental coverage nationwide; directly competes on product breadth, pricing tiers, and member services in the Dutch market.
• FBTO: Direct-to-consumer health insurance label also operating under the Achmea group; offers modular basic, supplementary, and dental plans with a strong digital self-service experience similar to De christelijke.
• Menzis: Dutch health insurer offering basic, supplementary, and dental plans across the Netherlands; competes in the same market with similar product tiers and digital self-service portals.
• ONVZ: Mid-sized Dutch health insurer offering basic, supplementary, and dental plans; comparable size and product structure, positioned as a quality-focused alternative to the larger incumbents.

Broad incumbents

• Zilveren Kruis: Sister brand and parent entity of De christelijke zorgverzekeraar under Achmea; one of the largest health insurers in the Netherlands with broad portfolio of basic and supplementary plans, comparable customer-facing digital ecosystem.
• Nationale-Nederlanden: Major Dutch insurer (part of NN Group) offering health insurance as part of a wider life, pension, and non-life portfolio; comparable basic/supplementary plan structure aimed at Dutch consumers.
• ASR Nederland (a.s.r.): Dutch insurance group offering health insurance among other products; broader portfolio than De christelijke but overlaps on basic and supplementary health plans distributed to Dutch consumers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/dechristelijke
• YouTubeyoutube.com/channel/dechristelijke
• Facebookfacebook.com/dechristelijkezorgverzekeraar
• LinkedInlinkedin.com/company/de-christelijke-zorgverzekeraar
• Instagraminstagram.com/dechristelijke

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 De christelijke zorgverzekeraar