City of Holland Health insurer

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.

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

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

• Health insurance
• Basic insurance
• Supplementary insurance
• Mutual health insurer
• Dutch healthcare coverage

Headquarters

HQ city

Netherlands

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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).
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core 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

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• VECOZOcoreTechnology or IntegrationVECOZO 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.
• ZorgmailcoreTechnology or IntegrationSecure 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.
• ZorgDomeincoreTechnology or IntegrationReferral 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 InternationalminorStrategic or Co-development PartnerEmergency assistance services for insured traveling abroad. Provides support and coordination for medical emergencies outside the Netherlands.
• VektiscoreTechnology or IntegrationNational register for healthcare provider AGB codes (Admministratie Gezondheidszorg Beroepen). Stad Holland uses Vektis data for healthcare provider information and verification.
• MarketResponseminorOthersResearch 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

Direct 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

• Facebookfacebook.com/photos
• Xx.com/stadholland
• LinkedInlinkedin.com/company/stad-holland-zorgverzekeraar

Compliance3 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 City of Holland Health insurer