n.v. zorgverzekeraar umc

What n.v. zorgverzekeraar umc does

UMC Zorgverzekeraar N.V. (UMC Zorgverzekering) is a Dutch health insurer that exclusively serves current and former employees of the eight Dutch University Medical Centers (Amsterdam UMC, Radboud UMC, Erasmus MC, UMC Utrecht, Maastricht UMC+, LUMC, and UMCG), including active staff, medical residents (AIOS), co-insured family members, dependents aged 18-30, and pensioners. The company is a wholly-owned subsidiary of Coöperatie VGZ, a non-profit cooperative that also operates the IZA, IZZ, VGZbewuzt, and Zorgzaam insurance brands. UMC Zorgverzekering insures approximately 55,000-60,000 individuals through collective employer agreements, with each UMC maintaining distinct collectiviteitsnummers for different member categories.

The product portfolio centers on two statutory basic-insurance plans — UMC Ruime Keuze (Natura, €150.90/month, 100% in-network / 75% out-of-network) and UMC Eigen Keuze (Combination, €159.95/month, 100% both in- and out-of-network with GGZ and wijkverpleging exceptions) — supplemented by five tiers of supplementary cover (UMC Extra Zorg Basis through Zorg 3, €1.70-€47.00/month) and four dental packages (UMC Extra Tand Instap through Tand 3, €8.72-€57.17/month). Members receive up to 10% collectiviteitskorting and access to a personal health budget of up to €400. The company operates a digital platform comprising the UMC Zorg app (photo-based claims submission, digital insurance card, iDEAL invoice payment), the Mijn UMC Zorgverzekering customer portal, the Zorgzoeker provider directory, and the Wachttijdvergelijker waiting-time comparator. Claim reimbursement is processed in 4 business days for digital submissions and 10 days for paper. In 2025 the company recorded 55,685 waiting-list mediation interventions averaging 82 days of saved waiting time per insured member and an 8.6/10 satisfaction score for care advisors.

The business model is subscription-based premium revenue under the Dutch Zorgverzekeringswet, with monthly premiums collected via direct debit or iDEAL and optional deductibles ranging from €385 to €885 yielding premium discounts of €0-€15/month. Distribution combines B2B2C collective enrollment through UMC HR departments with direct-to-consumer self-service via the premium calculator and mobile app. The GTM motion is supported by inside-sales care advisors (zorgadviseurs) reachable by phone and online form, and by ecosystem integrations with Nationale Apotheek and MedApp for online pharmacy services, with member access to the VGZ Mindfulness Coach and Soepel en Sterk Coach wellness applications. There is no public revenue disclosure, no disclosed headcount, no funding rounds, and no M&A activity recorded.

Name

n.v. zorgverzekeraar umc

Legal name

UMC Zorgverzekeraar N.V.

Website

https://umczorgverzekering.nl

Company type

Private

Operating status

Operating

Short description

UMC Zorgverzekering is a Dutch health insurer serving approximately 55,000-60,000 employees, families, AIOS, pensioners, and bewindvoerders of the eight Dutch University Medical Centers, operating as a subsidiary of non-profit cooperative Coöperatie VGZ.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industry

Dental Insurance (FSAIAHAA)

Keywords

• Health insurance
• Collective insurance
• Supplementary coverage
• Dental insurance
• Basic health insurance

Headquarters

HQ city

Netherlands

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Monthly premiums collected from insured members for base health insurance (basisverzekering) and supplementary packages (aanvullende verzekeringen). Premiums are collected via automatic direct debit or iDEAL payment. The company offers deductibles ranging from €385 to €885 with corresponding premium discounts.
2. Collective Discount Revenue: Revenue generated from UMC employee collectives, where employers facilitate group enrollment. Collectiviteitskorting of up to 10% is offered on supplementary packages, creating volume-based revenue from eight UMC institutions.
3. Healthcare Cost Administration: The company acts as claims administrator for healthcare costs, processing reimbursements and managing patient cost-sharing including deductibles (eigen risico) and co-pays (eigen bijdrage). Revenue includes actuarial spread on healthcare cost management.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

UMC Zorgverzekering sells mandatory Dutch basic health insurance (basisverzekering) together with supplementary and dental insurance packages to current and former employees of the eight Dutch University Medical Centers and their families. Products are distributed through employer collective agreements and direct digital channels, supported by a mobile app, customer portal, provider directory, and waiting list mediation services. The company is a subsidiary of Coöperatie VGZ.

Product overview

UMC Zorgverzekering is a collective health insurance provider serving approximately 55,000-60,000 employees of the eight Dutch University Medical Centers (UMCs). The company operates as part of Coöperatie VGZ and offers a multi-tiered insurance portfolio centered on two basic health insurance products (UMC Ruime Keuze Natura and UMC Eigen Keuze Combination policies) supplemented by five levels of supplementary coverage (UMC Extra Zorg packages ranging from Basis to Zorg 3) and four dental insurance packages (UMC Extra Tand Instap through Tand 3). The product ecosystem includes digital platforms such as the UMC Zorg app for mobile claims submission and policy access, the Mijn UMC Zorgverzekering customer portal, the Zorgzoeker provider directory, and the Wachttijdvergelijker wait-time comparison tool. Customers also receive access to Coöperatie VGZ wellness apps including the VGZ Mindfulness Coach and VGZ Soepel en Sterk Coach. The company serves both active employees and pensioners across eight UMC institutions through collectiviteitsnummer-based enrollment.

Differentiator

Problem solved

Functional benefit

Products and services

• UMC Ruime Keuze Natura basic health insurance (basisverzekering) offering 100% reimbursement for contracted healthcare providers and 75% reimbursement for non-contracted providers. Starting from €150.90 per month, available to UMC employees and their families.
• UMC Eigen Keuze Combination basic health insurance (basisverzekering) offering 100% reimbursement for both contracted and non-contracted healthcare providers (exception: 85% for GGZ mental health and nursing & care). Starting from €159.95 per month, available to UMC employees and their families.
• UMC Extra Zorg Basis Supplementary insurance package at €1.70 per month (including 10% collectiviteitskorting). Covers emergency care abroad including 100% plus transport to the Netherlands.
• UMC Extra Zorg Instap Entry-level supplementary insurance at €2.50 per month including 6 physiotherapy sessions per year (max 2 carryover), €10,000 dental accident coverage, and €75 personal health budget.
• UMC Extra Zorg 1 Supplementary insurance at €9.30 per month including 9 physiotherapy sessions per year (max 3 carryover), contraception from age 21, and €200 personal health budget.
• UMC Extra Zorg 2 Mid-tier supplementary insurance at €30.80 per month including 18 physiotherapy sessions, €300 alternative care, €300 personal health budget, €100 glasses/lenses per 3 years, 100% travel vaccinations, €125 maternity contribution, and orthodontics at 80% up to €1,500 (12-month waiting period).
• UMC Extra Zorg 3 Premium supplementary insurance at €47.00 per month including 32 physiotherapy sessions (max 6 carryover), €500 alternative care, €400 personal health budget, €200 glasses/lenses per 3 years, full maternity contribution, and orthodontics up to €2,500 (12-month waiting period).
• UMC Extra Tand Instap Entry-level dental insurance at €8.72 per month covering 1 dental checkup at 100%, 80% for other treatments up to €100 per year, 80% for teeth cleaning up to 25 minutes, and €10,000 dental accident coverage.
• UMC Extra Tand 1 Dental insurance at €17.00 per month with €250 annual budget covering 100% for checkups, cleaning, and X-rays, 100% for surgery and root canal treatments, and 80% for crowns, bridges, and implants.
• UMC Extra Tand 2 Mid-tier dental insurance at €33.94 per month with €650 annual budget for comprehensive dental care including orthodontia.
• UMC Extra Tand 3 Premium dental insurance at €57.17 per month with €1,150 annual budget and 80% coverage for crowns, bridges, and implants (12-month waiting period applies).

Quantifiable outcome

• 4 business day claim reimbursement turnaround for digital submissions
• +5 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Coöperatie VGZcoreStrategic or Co-development PartnerUMC Zorgverzekering is a subsidiary of Coöperatie VGZ, a non-profit cooperative health insurer. This partnership provides access to VGZ's provider network, shared technology platform, wellness apps (Mindfulness Coach, Soepel en Sterk Coach), and operational infrastructure. The relationship enables collective purchasing power and shared brand ecosystem including VGZ.beWUST, IZA, IZZ, and Zorgzaam brands.
• Eight Dutch University Medical CenterscoreStrategic or Co-development PartnerCollective insurance partnerships with all eight Dutch UMCs: Amsterdam UMC, Radboud UMC, Erasmus MC, UMC Utrecht, Maastricht UMC+, LUMC, and UMCG. Each UMC offers distinct collectiviteitsnummers for active employees, AIOS, youth dependents, and pensioners. These employer partnerships are the core distribution channel for the insurance product.

Scale indicators8 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• IZZ Zorgverzekering: Sister brand under Coöperatie VGZ specifically serving healthcare workers, with a near-identical collective distribution model and supplementary package structure. Most directly comparable niche positioning in the Dutch market.
• IZA Zorgverzekering: Another Coöperatie VGZ label offering collective health insurance for government and education-sector employees. Same parent, same collective-employer GTM, and overlapping product tiers, but serves a different employee vertical.
• Zorgzaam Verzekerd: VGZ cooperative brand focused on regional and care-sector collective contracts in the Netherlands. Comparable collective-insurance structure and product portfolio, with a different geographic and employer focus.
• ONVZ: Independent Dutch health insurer offering base, supplementary, and dental packages with strong digital self-service. Similar mid-size positioning in the Dutch health insurance market, though without the same employer-collective specialization.
• DSW Zorgverzekering: Small independent Dutch mutual health insurer competing head-on with national carriers in base plus supplementary coverage. Comparable sub-scale positioning, with a regional focus rather than an employer-vertical focus.

Broad incumbents

• Zilveren Kruis: Largest Dutch health insurer under Achmea, offering the full base-plus-supplementary-plus-dental product suite. Represents the broad competitive benchmark against which UMC Zorgverzekering's niche proposition is positioned.
• CZ: Large Dutch mutual health insurer with nationwide base, supplementary, and dental coverage. Operates as a broad incumbent competing for the same healthcare-worker cohort through general market offerings.
• Menzis: Major Dutch health insurer with broad base, supplementary, and dental products and a regional stronghold in the east/north. Competes for the same employee collective insurance pool as UMC Zorgverzekering through general employer offerings.
• Coöperatie VGZ: Parent cooperative of UMC Zorgverzekering and several sister labels (IZZ, IZA, Zorgzaam, VGZbewuzt). Operates the shared provider network, claims platform, and wellness apps that UMC Zorgverzekering leverages.

Others

• A.S.R. Nederland: Dutch insurance group offering health and other insurance lines. Less directly overlapping on UMC-employee collectives, but a relevant broader Dutch insurance market participant for portfolio benchmarking.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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 n.v. zorgverzekeraar umc