City of Holland Health insurer
Stad Holland Zorgverzekeraar is a Dutch mutual health insurer (founded 1874) offering mandatory basic and tiered supplementary health insurance to individual Dutch residents via a combination policy model, with no medical selection and standardized premiums.
- Company typePrivate
- Founded1874
- HeadquartersNetherlands, United States
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What City of Holland Health insurer does
Stad Holland Zorgverzekeraar is a Dutch mutual health insurer (Onderlinge Waarborgmaatschappij) founded in 1874 and headquartered in Schiedam, Netherlands. The company offers a combination policy (combinatiepolis) under which all Dutch residents can purchase the government-mandated basic health insurance (basisverzekering) at a flat 2026 premium of €164.75 per month, supplemented by an opt-in five-tier supplementary insurance lineup (Compact, Standaard, Uitgebreide, Extra Uitgebreide, and Jongeren AV) covering services such as adult dental care, physiotherapy beyond statutory limits, alternative medicine, and orthodontics. Stad Holland operates a no-medical-selection, no-collectiviteitskorting model, accepting all applicants at the same premium regardless of age or health, and ranks 2nd in the 29th annual KlantenMonitor Zorgverzekeringen (2026).
The technology footprint is a conventional digital insurance platform rather than a differentiated AI stack: a DigiD-authenticated customer portal (Mijn Stad Holland) and mobile app support policy management, claims submission via photo capture, digital health card / EHIC access, and iDEAL/Wero in-app payments; a separate provider portal (MijnZorgverlener) handles contracting and claims via VECOZO certificates; and the Zorgzoeker tool indexes contracted providers. Operational integrations include VECOZO (insurer-provider data exchange), Zorgmail (secure provider communication), ZorgDomein (care mediation referrals), Vektis (national AGB provider register), and SOS International (overseas emergency assistance). Compliance scope covers GDPR, the Dutch healthcare insurer code of conduct, PIFI incident protocol, and European Accessibility Act (EN 301 549 / WCAG 2.2 AA) accessibility standards.
Commercially, Stad Holland runs a recurring subscription revenue model — basic premiums, voluntary-deductible premium reductions, payment-term discounts (0.25%–1.5% for quarterly/annual prepay), and supplementary package premiums — distributed through a hybrid GTM combining direct digital self-service, a phone/WhatsApp customer service center, and a national network of insurance advisors/intermediaries supported by annual roadshows and the Stadsblad newsletter. Customers are segmented into individual Dutch residents (primary), contracted healthcare providers, and insurance intermediaries; the company has 501–1,000 employees, no parent company, no subsidiaries, and no external shareholders, with ownership vested in policyholders via the mutual structure.
City of Holland Health insurer firmographics
Firmographics- Name
- City of Holland Health insurer
- Legal name
- Onderlinge Waarborgmaatschappij "Stad Holland Zorgverzekeraar" U.A.
- Website
- https://stadholland.nl
- Company type
- Private
- Founded year
- 1874
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Stad Holland Zorgverzekeraar is a Dutch mutual health insurer (founded 1874) offering mandatory basic and tiered supplementary health insurance to individual Dutch residents via a combination policy model, with no medical selection and standardized premiums.
- Ownership category
- akta.pro rank
City of Holland Health insurer industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)
Keywords
Where City of Holland Health insurer is headquartered
LocationHeadquarters
- HQ city
- Netherlands
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
City of Holland Health insurer business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Basic Health Insurance Premiums: Monthly premiums collected from policyholders for mandatory basic health insurance coverage. Premium is €164.75 per month in 2026 (€1,977 per year). The same premium applies to all insured persons regardless of age or health status. Children under 18 are covered free of charge. Revenue is recurring and subscription-based.
- Voluntary Deductible Premium Adjustments: Policyholders can choose to increase their voluntary deductible above the mandatory €375 to receive monthly premium discounts. Discounts range from €2.75/month (€100 deductible increase) to €15.00/month (€500 deductible increase).
- Payment Term Discounts: Policyholders who pay premiums quarterly, semi-annually, or annually receive discounts (0.25%, 0.75%, or 1.5% respectively), providing administrative cost savings to the insurer.
- Supplementary Insurance Premiums: Revenue from additional insurance packages (AV) that cover services not included in basic insurance, such as dental care for adults, physiotherapy beyond covered limits, and alternative treatments
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Insurance 2026 - €164.75/month |
| Subscription | Monthly | Basic + Voluntary Deductible Options |
| Subscription | Annual | Payment Term Discounts |
| Subscription | Monthly | Supplementary Insurance (Aanvullende Verzekering) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
City of Holland Health insurer product offering
Product offeringCore offering
Stad Holland Zorgverzekeraar is a Dutch mutual health insurer that provides mandatory basic health insurance (Basisverzekering) and a tiered set of supplementary insurance packages (Aanvullende Verzekering) to Dutch residents. Its combination policy (combinatiepolis) allows policyholders freedom of choice among contracted and non-contracted healthcare providers, supported by the Mijn Stad Holland customer portal and mobile app for policy management, claims submission, and digital health card access. The company emphasizes no medical selection, equal premiums for all insured, and high customer service quality, ranking second in the 2026 KlantenMonitor Zorgverzekeringen.
Product overview
Stad Holland Zorgverzekeraar is a Dutch health insurer offering a combination insurance model (combinatiepolis) that provides free choice of healthcare providers. The core product is the mandatory Basisverzekering (Basic Insurance) at €164.75/month in 2026, supplemented by five tiers of Aanvullende Verzekering (Supplementary Insurance): Compact AV, Standaard AV, Uitgebreide AV, Extra Uitgebreide AV, and Jongeren AV. Digital service delivery centers on the Mijn Stad Holland customer portal and mobile app, which enable policyholders to manage insurance, submit claims, and access digital insurance cards. Healthcare providers interact through the MijnZorgverlener portal, while the Zorgzoeker tool helps policyholders find contracted providers. The Zorgbemiddeling service provides care mediation for wait time reduction. The company does not offer collective discounts and accepts all applicants regardless of age or health status.
Differentiator
Problem solved
Functional benefit
Products and services
- Basisverzekering (Basic Insurance) Mandatory Dutch basic health insurance covering essential medical care including GP visits, hospital care, emergency care, medications, and mental health services, available to all Dutch residents at a uniform €164.75/month premium in 2026 with a €375 mandatory deductible; children under 18 are insured free of charge.
- Aanvullende Verzekering (Supplementary Insurance) Optional supplementary insurance providing coverage not included in the basic insurance, such as physiotherapy, dental care, alternative medicine, and orthodontics; offered in multiple tiers to allow policyholders to select coverage matching their needs.
- Compact AV Entry-level supplementary insurance package providing basic additional coverage beyond the mandatory basic insurance, designed for policyholders who want minimal supplementary protection at a low premium.
- Standaard AV Standard supplementary insurance package offering moderate coverage for services such as physiotherapy and dental care, positioned as a mid-tier option in the supplementary insurance lineup.
- Uitgebreide AV Extended supplementary insurance with broader coverage including higher reimbursement rates for physiotherapy, dental treatments, and hospital births, designed for policyholders seeking more comprehensive supplementary protection.
- Extra Uitgebreide AV Premium supplementary insurance package offering the most comprehensive coverage among supplementary options, including full reimbursement for hospital births without medical indication, designed for policyholders seeking maximum supplementary protection.
- Jongeren AV Supplementary insurance package specifically designed for young adults, offering coverage tailored to the healthcare needs of younger policyholders (such as contraception, dental care, and travel-related coverage).
- Zorgbemiddeling (Care Mediation) Service that helps insured patients find alternative healthcare providers with shorter wait times when initial provider wait times exceed Treeknorm standards, requested through the ZorgDomein referral management integration.
Quantifiable outcome
- Ranked 2nd in KlantenMonitor Zorgverzekeringen 2026 - 29th annual customer satisfaction survey by MarketResponse
Companies that use City of Holland Health insurer
Customer profileSegments3 records
Ideal customer profiles3 records
City of Holland Health insurer technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature5 records
City of Holland Health insurer partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- VECOZOcoreVECOZO is a collaboration of health insurers enabling secure internet communication between insurers, care offices, and healthcare providers. VECOZO issues digital certificates to healthcare providers and facilitates efficient claims processing. Healthcare providers can use VECOZO to verify insurance rights and contact details of all Dutch insured.
- ZorgmailcoreSecure email platform used by Stad Holland to send privacy-sensitive information to healthcare providers. When Stad Holland sends emails with personal data to healthcare providers, Zorgmail ensures secure delivery. Providers using Zorgmail receive messages directly in their secure environment.
- ZorgDomeincoreReferral management system used for care mediation services. When healthcare mediation is requested, ZorgDomein facilitates the process by sending referral information and collecting patient consent for mediation by the insurer.
- SOS InternationalminorEmergency assistance services for insured traveling abroad. Provides support and coordination for medical emergencies outside the Netherlands.
- VektiscoreNational register for healthcare provider AGB codes (Admministratie Gezondheidszorg Beroepen). Stad Holland uses Vektis data for healthcare provider information and verification.
- MarketResponseminorResearch company that conducts the annual KlantenMonitor Zorgverzekeringen customer satisfaction survey. Stad Holland ranked second in the 2026 edition.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
City of Holland Health insurer competitors and assessment
Company assessmentDirect peers
- ONVZ Zorgverzekeraar: Mid-sized Dutch mutual health insurer focused on higher-income self-employed and employed professionals. Comparable product offering (basic + supplementary) and mutual structure; differentiated by premium positioning rather than mass-market scale.
- Univé Zorg: Dutch cooperative health insurer offering basic and supplementary insurance, part of the Univé cooperative. Comparable mutual/cooperative model, product mix, and Dutch-only geographic scope; operates broader multi-line insurance alongside health.
- DSW Ziektekostenverzekeringen: Closest direct peer: a Dutch mutual health insurer of similar size that shares operational infrastructure with Stad Holland (shared data processing, joint MijnZorgverlener portal, shared contact centers). Same combination-policy model and similar customer-base positioning.
Broad incumbents
- Zilveren Kruis (Achmea): Largest Dutch health insurer (~30% market share), part of Achmea. Comparable as a Dutch basic+supplementary health insurance carrier, but materially larger scale, broader portfolio (life, non-life, pensions), and dominant provider negotiating position.
- VGZ (Coöperatie VGZ): Second-largest Dutch health insurer, also structured as a cooperative/mutual. Direct overlap with Stad Holland in offering basic+supplementary insurance to Dutch residents, with broader brand recognition and substantially larger policyholder base.
- Menzis: Top-4 Dutch health insurer offering basic and supplementary insurance plus health management services. Comparable mutual/cooperative heritage and product mix; larger scale and broader regional brand penetration.
- Nationale-Nederlanden (NN Group): Major Dutch-licensed insurer offering supplementary health and dental insurance alongside life and pensions. Comparable as a Dutch health insurance provider to individuals, but operates as a publicly listed, much larger financial group with broader product scope.
- CZ (Coöperatie CZ): Major cooperative Dutch health insurer (Top 5) offering basic, supplementary, and dental insurance. Directly comparable mutual structure, product mix, and target customer base; CZ group also owns Ohra and Nationale-Nederlanden health businesses.
- a.s.r. Nederland (ASR): Listed Dutch insurance group offering health (De Amersfoortse), life, and non-life insurance. Comparable as a Dutch-licensed health insurer, though broader portfolio and publicly listed capital structure differentiate it from Stad Holland's mutual model.
Regional players
- De Friesland Zorgverzekeraar: Regional Dutch health insurer with roots in Friesland province, offering basic and supplementary insurance nationwide. Comparable mutual structure and product offering, but with a historical regional focus that distinguishes it from Stad Holland's broader national positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights2 records
Customer concentration
City of Holland Health insurer social profiles
Digital presenceCity of Holland Health insurer compliance and trust
Trust signalCompliance3 records
City of Holland Health insurer financial estimates
Financial estimateRevenue estimate
Valuation estimate
City of Holland Health insurer leadership team
Management profileNumber of profiles
City of Holland Health insurer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
City of Holland Health insurer 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 City of Holland Health insurer
What does City of Holland Health insurer do?
Stad Holland Zorgverzekeraar is a Dutch mutual health insurer that provides mandatory basic health insurance (Basisverzekering) and a tiered set of supplementary insurance packages (Aanvullende Verzekering) to Dutch residents. Its combination policy (combinatiepolis) allows policyholders freedom of choice among contracted and non-contracted healthcare providers, supported by the Mijn Stad Holland customer portal and mobile app for policy management, claims submission, and digital health card access. The company emphasizes no medical selection, equal premiums for all insured, and high customer service quality, ranking second in the 2026 KlantenMonitor Zorgverzekeringen.
Is City of Holland Health insurer a public or private company?
City of Holland Health insurer is a private company. It is classified as management employee owned and is currently operating.
When was City of Holland Health insurer founded?
City of Holland Health insurer was founded in 1874. It employs 501 to 1,000 people.
Where is City of Holland Health insurer based?
City of Holland Health insurer is headquartered in Netherlands, United States, in the North America region.
How does City of Holland Health insurer make money?
Four revenue lines are on record. Basic Health Insurance Premiums are the primary driver. The others are voluntary Deductible Premium Adjustments, payment Term Discounts and supplementary Insurance Premiums.
Who are City of Holland Health insurer's main competitors?
Direct peers on record are ONVZ Zorgverzekeraar, Univé Zorg and DSW Ziektekostenverzekeringen. Broad incumbents are Zilveren Kruis (Achmea), VGZ (Coöperatie VGZ), Menzis, Nationale-Nederlanden (NN Group), CZ (Coöperatie CZ) and a.s.r. Nederland (ASR). De Friesland Zorgverzekeraar is listed as a regional player.
Does City of Holland Health insurer have an API?
No public API is recorded for City of Holland Health insurer.
What industry is City of Holland Health insurer in?
City of Holland Health insurer'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 6399.