Menzis

What Menzis does

Coöperatie Menzis is a Dutch cooperative health insurer founded in 1836, making it the oldest health insurer in the Netherlands. The organization operates without shareholders — all insured individuals are automatically members of the cooperative — and structures itself around the mission of keeping healthcare accessible and affordable. Menzis offers basic and supplementary health insurance through three consumer brands (Menzis, Anderzorg, VinkVink), operates a regional Zorgkantoor that administers the Wet langdurige zorg (Wlz) for long-term care in the Arnhem, Groningen, and Twente regions, and provides corporate health and vitality consulting services to large employers and municipalities. The organization manages approximately 7 billion euros in healthcare funds annually and is the market leader in the Twente region. Approximately 1,300–1,404 employees work across three offices in Groningen (headquarters), Enschede, and Wageningen (scheduled to close by end of 2026 as the building is repurposed for housing by the municipality).

The company's technology stack centers on digital platforms for customer service, claims processing, and provider management. A new internal data platform is being developed to optimize internal controls, supported by a Data Excellence Program intended to give all employees access to the right data at the right time. The Portaal voor Ondersteuners is an online portal that enables court-appointed guardians (bewindvoerders) and curators to manage client insurance data, process claims, and handle payment arrangements, secured via eHerkenning EH3 authentication. The organization adopted fully agile operating methodologies in 2023, reorganizing around value streams (waardestromen): Klant en Markt, Zorg en Gezondheid, Zorgkantoor, IV (information provision), and Expertisecentra.

Menzis operates a hybrid revenue model combining subscription-style recurring revenue from health insurance premiums (with €20 net monthly employer contributions and 20% collective discounts on supplementary coverage as a B2B lever), managed-services revenue from government-funded Wlz administration through the regional Zorgkantoor, and professional-services revenue from corporate health and vitality consulting. Distribution is multi-channel: direct-to-consumer via the menzis.nl and cooperatiemenzis.nl websites, inside sales through the customer service center, direct field sales via corporate account managers for enterprise clients, and regional Zorgkantoor teams for long-term care clients. Marketing relies on owned digital properties, LinkedIn and Instagram presence, regional sports event sponsorships (4 Mijl Groningen, Singelloop Enschede), and content/blog publishing on healthcare policy. Key partnerships include NZa (regulator), CAK (government agency), eHerkenning (authentication), and Pinkerton (employment screening).

Name

Menzis

Legal name

Coöperatie Menzis

Website

https://cooperatiemenzis.nl

Company type

Private

Founded year

1836

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Coöperatie Menzis is a Dutch cooperative health insurer (founded 1836) operating under a member-owned structure. It offers health insurance via brands Menzis, Anderzorg, and VinkVink; administers long-term care (Wlz) regionally; and provides corporate vitality consulting to employers and municipalities.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

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

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industry

Individual Dental Insurance (FSAIAEAE)

Keywords

• Health insurance
• Long-term care
• Cooperative insurer
• Preventive health
• Corporate vitality

Headquarters

HQ city

Groningen

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Menzis collects health insurance premiums from individual members. As a cooperative, all insured are automatically members. The organization aims to keep care affordable and accessible.
2. Long-term Care (Wlz) Administration: Menzis Zorgkantoor administers long-term care under the Wet langdurige zorg (Wlz) for people needing 24-hour care or supervision due to physical, intellectual, or psychological limitations. This is funded through government arrangements.
3. Corporate Health & Vitality Services: Menzis provides consulting services to large employers and municipalities to improve health and vitality of employees and residents, supporting sustainable employability.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Coöperatie Menzis is a Dutch member-owned health insurer that sells basic (Zvw) and supplementary health insurance to individuals and families under the Menzis, Anderzorg, and VinkVink brands, including a co-branded HEMA offering. Beyond insurance, it operates Menzis Zorgkantoor, administering long-term care (Wlz) for vulnerable clients, including personal budget (PGB) services. It also delivers corporate health, vitality, and absenteeism consulting for employers and municipalities through Menzis Werk.

Product overview

Coöperatie Menzis is a cooperative health insurer operating multiple insurance brands (Menzis, Anderzorg, VinkVink) and a long-term care office (Zorgkantoor) serving regions Arnhem, Groningen, and Twente. The organization offers basic and supplementary health insurance through various brands, manages long-term care under the Wlz, and provides specialized portals for support administrators. The portfolio includes insurance products for individual consumers as well as corporate clients, with additional health and vitality programs supporting member wellbeing.

Differentiator

Problem solved

Functional benefit

Products and services

• Menzis Zorgverzekering (basic + supplementary health insurance) Basic (Zvw) and supplementary Dutch health insurance products sold to individuals and families under the main Menzis brand, including bundled options and collective employer arrangements.
• Anderzorg basic health insurance Low-cost, online-first basic health insurance brand aimed at price-sensitive Dutch consumers.
• VinkVink supplementary insurance Mid-tier supplementary (aanvullende) health insurance offering targeted at value-conscious Dutch households.
• Menzis Werk (Corporate Vitality / Occupational Health Services) Preventive health, vitality, absenteeism, and organizational consulting services for Dutch employers and municipalities, delivered via dedicated account managers and consultants.
• Menzis Zorgkantoor (Wlz long-term care administration) Administration of long-term care (Wet langdurige zorg) for vulnerable Dutch residents, including intake, indication, authorization, contracting, and PGB support in designated regions.
• PGB Wlz dienstverlening (personal budget services) Personal budget (persoonsgebonden budget) services under the Wlz framework, including application, decision, and ongoing administration for long-term care clients.
• Portaal voor Ondersteuners Online portal enabling PGB administrators and clients to manage long-term care (Wlz) personal budgets, including budget usage, accountability, and supporting documents.
• Leefkracht Programma Health and vitality program promoting healthy lifestyles and prevention among Menzis members and corporate clients, including Menzis Werk customers.

Quantifiable outcome

• 7 billion euros managed annually in healthcare funds with continuous cost optimization
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered minor and core.

• PinkertonminorImplementation/ SI/ Consulting PartnerPinkerton conducts reference checks for all new employees as part of Menzis's screening process during hiring. This ensures reliability and integrity of incoming staff.
• NZa (Nederlandse Zorgautoriteit)coreOthersMenzis Zorgkantoor works with NZa (Dutch Healthcare Authority) as part of long-term care administration. NZa sets frameworks and monitors compliance in healthcare.
• CAK (Centraal Administratiekantoor)coreOthersCAK handles certain administrative processes for Menzis, including identifying clients registered with CAK for debt-related matters.
• Sports event organizationsminorGTM or Marketing PartnerMenzis sponsors regional sports events including the 4 Mijl in Groningen and Singelloop in Enschede, building brand awareness and community engagement.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Achmea: Parent of Zilveren Kruis and one of the largest insurance groups in the Netherlands with broader financial services including health insurance, competing with Menzis across multiple product lines and customer segments.
• ASR Nederland: Major Dutch insurance company with a broader portfolio including life, pension, and health insurance. Less specialized in health insurance than Menzis but operates under the same regulatory environment and competes for some customer segments.
• Centene: Large US-based health insurance company focused on government-sponsored healthcare programs. Useful as a global benchmark for managed care and government health program administration, though operating in a different regulatory and geographic market.
• Cigna: Global health services and insurance company with overlapping capabilities in health insurance and employee benefits. Comparable in scale and product breadth, though operating primarily in the US and international markets rather than the Netherlands.
• Nationale-Nederlanden: Major Dutch insurance and financial services company with a broader portfolio including life, pension, and non-life insurance. Less specialized in health insurance but operates in the same Dutch insurance ecosystem and regulatory environment.

Direct peers

• CZ: Second-largest Dutch health insurer with a strong cooperative heritage, directly competing with Menzis in basic and supplementary health insurance offerings across the Dutch market.
• Zilveren Kruis (Achmea): Largest Dutch health insurer and direct competitor to Menzis. Both operate as health insurers offering basic and supplementary coverage in the Netherlands, competing for the same individual and group customers under the same regulatory framework.
• Coöperatie VGZ: Major Dutch health insurance cooperative and direct competitor to Menzis with similar cooperative governance principles, multi-brand portfolio, and product offerings across the Netherlands.
• ONVZ: Dutch health insurer offering individual and group health coverage, directly competing with Menzis in the Netherlands with comparable product suites and target customer segments.
• DSW Zorgverzekeraar: Dutch health insurer with similar customer base and product offerings, competing directly with Menzis in basic and supplementary health insurance across the Netherlands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cooperatiemenzis
• Instagraminstagram.com/werkenbijcooperatiemenzis

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

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 Menzis