2 products

2 insurance types

Checked September 2026

ZEM

ZEM is represented on Luntero with 2 products across 2 insurance types, each documented from the provider's own policy wording. Compare cover, price basis, eligibility and cancellation terms here, then confirm the current conditions with ZEM before you apply.

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Range at a glance

1 of 8 insurance families

Home and belongings: 0
Vehicles and mobility: 0
Travel: 0
Health and care: 22
Legal and income: 0
Life and funeral: 0
Pets and animals: 0
Other cover: 0

Health and care2 products

What ZEM offers

ZEM is represented by two 2026 products: ZEM Polis for basic healthcare and AV-ZEM for supplementary benefits. The compact structure reduces package confusion, but eligibility and the relationship between the two policies still require confirmation. Use this profile to understand each layer, then verify who may enroll, contracted-provider access, reimbursement outside the network, additional-care categories, annual benefit limits, premium and statutory or voluntary excess.

Basic health

1 product

Standalone policy

2026

Dutch basic healthcare policy under the ZEM brand.

6 conditional

€159.25/month

Supplementary health

1 product

Add-on

2026

Agency-group supplement covering the compulsory excess of the ZEM basic policy.

1 conditional

Personal quote

At a glance

Products documented: 2
Insurance types: 2
Standalone policies: 1
Add-ons and modules: 1

Visit website

Product details for ZEM were last checked by Luntero in September 2026. Premiums, conditions and availability change, so confirm the current policy terms on the provider's own website before you apply.

Official ZEM links

Website

Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.

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products: 26
insurance types

Home and belongings: 1313
Vehicles and mobility: 6060
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Health and care: 3535
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Life and funeral: 0
Pets and animals: 88
Other cover: 11

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products: 3
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Vehicles and mobility: 0
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Life and funeral: 0
Pets and animals: 0
Other cover: 0

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94
products: 18
insurance types

Home and belongings: 1010
Vehicles and mobility: 2929
Travel: 1414
Health and care: 2121
Legal and income: 66
Life and funeral: 0
Pets and animals: 1414
Other cover: 0

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a.s.r.

ASR Nederland N.V.

90
products: 24
insurance types

Home and belongings: 99
Vehicles and mobility: 3434
Travel: 44
Health and care: 3737
Legal and income: 33
Life and funeral: 22
Pets and animals: 11
Other cover: 0

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Check how ZEM Polis and AV-ZEM work together

Check who can join ZEM and whether AV-ZEM requires the basic policy, then verify contracted care, non-contracted reimbursement, supplementary benefits, annual limits, premium and excess for 2026.

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Browse by type

Liability, contents, health, travel, vehicles and more, grouped into families with live product counts.

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Decode the Dutch terms

Eigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.

Open the glossary

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