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Zilveren Kruis review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Zilveren Kruis is a Dutch insurer for people who want health cover, with dental and travel policies available alongside it and monthly payments rather than one annual bill. It suits expats and households in the Netherlands who prefer spreading the cost, and premiums start at €153.95.

Key facts

Best for
Monthly Dutch health cover with dental and travel options, starting at €153.95.
Premium from
€153.95↗
Insurance types
Health, Dental, Travel↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
€385↗
Claims channels
App, Post, Chat, Phone↗
Age range
18-999↗
Legal entity
Zilveren Kruis Zorgverzekeringen N.V.↗
Headquarters
Netherlands↗
Support channels
Chat, Phone, Help-centre, Community↗
Audience
Expats
Pricing model
Monthly
Official website
zilverenkruis.nl

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
Xsamen.zilverenkruis.nl

Pros and cons

Pros

  • Monthly payments are available, so the premium is spread across the year instead of one annual bill.
  • One insurer, Zilveren Kruis Zorgverzekeringen N.V., writes the health, dental and travel policies.
  • Support runs through chat, phone and help centre, with claims filed via app, post and chat.
  • The Autoriteit Financiele Markten licence, 12001027, points to a Dutch supervised insurer.

Cons

  • The entry price of €153.95 sits above the €8.31 median starting premium across the site, and basic health cover adds a deductible of €385.
  • Cover is limited to health, dental and travel, so home, car and life policies are not part of the range.
  • Monthly payments are the only model on monthly, so there is no annual option to weigh up.
Zilveren Kruis

Ready to try Zilveren Kruis?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Anyone in the Netherlands who wants a Dutch health policy and can add dental or travel to the same insurer.
  • Readers listed under expats who want an insurer with an app and phone support.
  • Households that would rather pay for cover across the year than in one go.

Who should look elsewhere

  • bunq, listed from €0, if you are after everyday banking rather than Dutch health cover.
  • Linxea, listed from €25, if a savings and life product fits your plans better than a Dutch health policy.

Who runs it

Zilveren Kruis trades as Zilveren Kruis Zorgverzekeringen N.V. and is headquartered in the Netherlands. The firm holds a licence from the Autoriteit Financiele Markten, listed as 12001027. Day to day questions run through chat, phone and help centre, so help comes by chat and phone as well as from the help centre and community.

How Zilveren Kruis compares

Where Zilveren Kruis is available

Available
Netherlands
Licence in Netherlands
Autoriteit Financiele Markten (AFM) (12001027), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the cheapest premium?+

Premiums start at €153.95, while the median starting premium across insurance brands on the site is €8.31. Basic health cover also carries a deductible of €385, which you pay yourself before the insurer takes over.

Can I pay monthly instead of once a year?+

Yes. Monthly payments are available and monthly is the only payment model listed on monthly. That spreads the premium over the year instead of one large invoice, and claims can still be filed in the app, by post, by chat or by phone.

Which company stands behind the cover, and who supervises it?+

Zilveren Kruis is an insurer, Zilveren Kruis Zorgverzekeringen N.V., based in the Netherlands, and it holds a licence from the Autoriteit Financiele Markten, reference 12001027. Your contract is with the insurer rather than a broker.

What kinds of cover are on offer?+

Three lines are listed on health, dental and travel, with health the core product and dental and travel added alongside it. The basic health plan is the one with a deductible, set at €385.

How do I make a claim or reach someone?+

Support runs through chat, phone and help centre, and claims can be submitted via app, post and chat. You can therefore send a claim through the app or by post if the paperwork does not scan well, or talk it through on chat or phone.

Is this aimed at expats?+

The audience listed is expats, so expats are one group the insurer writes for. Cover is open to adults, with the age range listed as 18-999.

How does the price compare with other insurers?+

A starting premium of €153.95 places Zilveren Kruis at 232 of 251 brands ranked on that measure. Cheaper entry points exist, since the site median is €8.31.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Zilveren Kruis

Zilveren Kruis

Monthly Dutch health cover with dental and travel options, starting at €153.95.

9.1/10See alternatives