Pro Life Health Insurance

What Pro Life Health Insurance does

Pro Life Health Insurance, operating under the legal name De christelijke zorgverzekeraar, is a Dutch private health insurance provider headquartered in Leiden, the Netherlands. Founded in 1986 and operating as a wholly-owned subsidiary of Zilveren Kruis (itself part of the Achmea conglomerate), the company sells basic mandatory health insurance (basisverzekering), supplementary packages (aanvullende verzekeringen), dental insurance (tandartsverzekering), and collective group plans to Dutch consumers who prefer insurance aligned with Christian faith values. It targets individuals and families seeking healthcare coverage that integrates Christian perspectives on mental health, end-of-life, pregnancy, and relationships, as well as a youth segment transitioning off parental policies and employer/organization collective groups.

The company's product portfolio is delivered through a digital platform built around a web portal (Mijn | Polis), a mobile app (De christelijke App) that stores the digital health insurance card, DigiD-based secure authentication, and a care provider directory (Zorgzoeker). Beyond core insurance, the company offers ancillary faith-based services including a Christian care coach, waiting list mediation, a trusted physician (vertrouwensarts), end-of-life planning tools (Mijn levenseinde, Levenswensverklaring), online Christian self-help programs, and a benefits/extras program (De Parelkoffer). Marketing and acquisition occur through direct-to-consumer digital channels, faith-based events and conferences, social media, and community referrals, with no disclosed broker or third-party distribution.

The business model is subscription-based recurring premium revenue from individual and group policyholders, with pricing not publicly disclosed but configurable via an online premium calculator; the company is consistently ranked #1 in trust among Dutch health insurers and holds a customer service satisfaction score of 8.5/10. The company employs 11-50 people, consistent with a focused niche brand that relies on the larger Zilveren Kruis/Achmea infrastructure for back-office, regulatory, and operational scale. Revenue is not separately disclosed at the brand level.

Name

Pro Life Health Insurance

Legal name

De christelijke zorgverzekeraar

Website

https://prolife.nl

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

De christelijke zorgverzekeraar (Pro Life Health Insurance) is a Dutch faith-based health insurer and Zilveren Kruis subsidiary offering basic, supplementary, and dental coverage plus Christian-aligned care services to Dutch consumers seeking faith-integrated healthcare.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

akta.pro secondary industry

Individual Dental Insurance (FSAIAEAE)

Keywords

• Health insurance products
• Supplementary medical insurance
• Dental insurance coverage
• Group health insurance
• Faith-based healthcare

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Revenue generated from monthly insurance premiums paid by individual policyholders for basic mandatory health insurance (basisverzekering) and voluntary supplementary/tandarts insurance products.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

De christelijke zorgverzekeraar is a Dutch faith-based health insurance provider selling the mandatory basic health insurance (basisverzekering) alongside voluntary supplementary insurance packages, dental insurance, and collective/group plans to consumers in the Netherlands. The offering is differentiated by Christian value-aligned services including a directory of Christian care providers, faith-based self-help programs, end-of-life planning tools, and a care coach for waiting list mediation, accessed through the Mijn | Polis online portal and De christelijke App.

Product overview

De christelijke zorgverzekeraar is a Dutch Christian health insurance provider offering a unified portfolio centered on basic mandatory health insurance complemented by supplementary and dental insurance packages. The core offering includes the Basisverzekering (basic insurance) alongside add-on modules such as Aanvullende verzekeringen (supplementary insurance) and Tandartsverzekeringen (dental insurance), with a specialized Collectieve zorgverzekering (collective insurance) for group plans. Digital services are accessed through the Mijn | Polis customer portal and the De christelijke zorgcoach service, while unique faith-based offerings include Christelijke zorgverlener vinden (Christian healthcare provider finder), Online christelijke zelfhulp (Christian self-help programs), and end-of-life planning services like Mijn levenseinde and Levenswensverklaring. The company also provides targeted coverage for youth/students and additional benefits through De Parelkoffer program.

Differentiator

Problem solved

Functional benefit

Products and services

• Basisverzekering The Dutch-government-mandated basic health insurance covering essential healthcare services for individual policyholders in the Netherlands.
• Aanvullende verzekeringen Voluntary supplementary insurance packages that extend coverage beyond the basic insurance with extras such as alternative medicine, physiotherapy, and optical allowances.
• Tandartsverzekeringen Dental insurance plans that supplement basic coverage with additional dental care benefits for individual policyholders.
• Collectieve zorgverzekering Group health insurance plans offered to employers and organizations for collective enrollment of members, with associated premium discounts and group-specific benefits.
• Jongerenverzekering Health insurance offering tailored for young people and students transitioning into independent adult coverage, with guidance for first-time policyholders.
• Mijn | Polis Online self-serve customer portal where policyholders manage their insurance policies, submit claims, view coverage details, and access documents, authenticated via DigiD.

Quantifiable outcome

• Customer service satisfaction rating of 8.5 out of 10
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Zilveren KruiscoreOthersDe christelijke zorgverzekeraar is a wholly-owned subsidiary of Zilveren Kruis, one of the largest health insurers in the Netherlands. Zilveren Kruis provides the operational infrastructure, scale, and regulatory backing while De christelijke zorgverzekeraar maintains its distinct faith-based brand identity and product offerings tailored to Christian customers.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Univé: Cooperative Dutch health insurer within the VGZ group serving individual members with the same basic/supplementary/dental product portfolio. Directly comparable product offering and target customer.
• DSW Zorgverzekeraar: Independent Dutch health insurer known for premium stability and member-owned governance. Offers the same product structure (basis, supplementary, dental) and competes directly for the same Dutch consumer base.
• Menzis: Mid-large Dutch health insurer offering basisverzekering, supplementary and dental insurance nationally. Directly comparable product portfolio and DTC distribution model; competes in the same individual consumer switching season.
• ONVZ: Dutch health insurer historically positioned at the higher end of the market with strong supplementary coverage. Directly comparable basic-plus-supplementary product set and individual consumer focus.
• CZ: Large Dutch health insurer (CZ, Delta Lloyd, Ohra, Nationale-Nederlanden health lines) with comparable basic, supplementary, and dental products. Same regulatory regime, same product structure, similar DTC acquisition model.
• Coöperatie VGZ: Second-largest Dutch health insurer group (VGZ, IZA, Univé, UMC, Bewuzt, Aevitae brands). Competes head-to-head for the same Dutch individual consumer across basisverzekering and supplementary/dental lines — closest direct competitor by scale and product mix.
• Zilveren Kruis: Direct parent and the largest health insurer in the Netherlands (~5M policyholders). Operates the same basisverzekering/aanvullende/tandarts product lines under a mass-market brand rather than a faith-based one — directly comparable product offering, distinct target segment.

Broad incumbents

• a.s.r. Large Dutch insurance group (a.s.r. previously part of ASR Nederland, including De Amersfoortse) with broader life, non-life, and health lines. Overlaps in health/specialist supplementary insurance but operates as a broader portfolio incumbent rather than a health-specialist.
• Achmea: Ultimate parent conglomerate of Zilveren Kruis (and thus Pro Life Health Insurance). Provides the group's non-life, life, and banking products — comparable at the holding-company level rather than as a direct health-insurer peer.

Regional players

• Salland Zorgverzekeringen: Smaller Dutch health insurer operating under the Eno and Salland brands within the DSW group. Offers the same basic/supplementary/dental products, regional concentration in eastern Netherlands — comparable product model at smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/prolifezorg
• Facebookfacebook.com/prolifezorgverzekeringen
• LinkedInlinkedin.com/company/pro-life-zorgverzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Pro Life Health Insurance