Onderlinge Waarborgmaatschappij Zorgverzekeraar Zorg en Zekerheid u.a.
Zorg en Zekerheid is represented on Luntero with 68 products across 3 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 Zorg en Zekerheid before you apply.
Range at a glance
1 of 8 insurance families
Zorg en Zekerheid is represented by basic health policies and a large portfolio of supplementary and dental options, including AV-Basis, higher benefit levels, municipal packages and employer, education or sector collectives. Its regional role may influence provider relationships, while collective names can carry eligibility conditions. Use this profile to establish the basic care network and enrollment route, then verify reimbursements, annual limits, premium and statutory or voluntary excess for 2026.
A 2026 Dutch basic health policy from €150.45 monthly at the standard €385 deductible. Online administration and direct debit are required; non-contracted care generally has a 70% tariff ceiling.
12 conditional · 1 excluded
A 2026 Dutch basic health policy from €166.50 monthly at the standard €385 deductible. Most eligible care has broad reimbursement, with lower non-contracted limits for GGZ and nursing.
11 conditional · 1 excluded
A 2026 Dutch basic health policy from €156.75 monthly at the standard €385 deductible. Compare provider contracts and separate nursing limits before choosing your cover.
11 conditional · 1 excluded
The aviation edition of AV-Basis combines its healthcare allowances with eligible worldwide emergency medical cost-price reimbursement and Travel Clinic travel vaccinations. Requires the applicable aviation arrangement and Zorg Zeker or Zorg Vrij Polis.
29 conditional · 27 excluded
Up to 14 physiotherapy sessions and a separate 14 exercise-therapy sessions per calendar year. Routine dentistry is excluded. Requires a qualifying Dura Vermeer collective and Zorg Zeker or Zorg Vrij Polis.
32 conditional · 25 excluded
Up to 14 physiotherapy sessions and a separate 14 exercise-therapy sessions per calendar year. Routine dentistry is excluded. Requires a qualifying education collective and Zorg Zeker or Zorg Vrij Polis.
32 conditional · 25 excluded
Up to 14 physiotherapy sessions and a separate 14 exercise-therapy sessions per calendar year. Routine dentistry is excluded. Requires a qualifying employer collective and Zorg Zeker or Zorg Vrij Polis.
32 conditional · 25 excluded
AV-Basis costs €17.05 monthly in 2026 before applicable discounts. Up to 12 physiotherapy sessions and a separate 12 exercise-therapy sessions per calendar year, under the respective treatment rules. No routine dental reimbursement; qualifying dental accidents have a separate benefit.
28 conditional · 28 excluded
Zorg en Zekerheid AV-Cum Laude (Dura Vermeer collective): Up to 40 physiotherapy sessions and a separate 40 exercise-therapy sessions per calendar year. Adult dentistry has a €1000 annual ceiling. Retained policy only. Requires a qualifying Dura Vermeer collective and Zorg Zeker or Zorg Vrij Polis.
56 conditional · 1 excluded
The 2026 policy lists this dental-sharing variant for two premium-paying AV-Totaal holders on the same schedule. It pools their existing €1,000 allowances. Current pricing and permission to newly add this retained-linked option need insurer confirmation.
1 conditional · 3 excluded
Optional dental sharing for two premium-paying people with the same eligible supplement and policy schedule. Each pays €2.50 monthly; their existing allowances form one €300 annual pool. No extra dental budget is created.
1 conditional · 3 excluded
Optional sharing for two matching premium-paying collective insureds. Their existing €200 adult dental allowances form one €400 annual pool. Employer and underlying-package eligibility apply; confirm the scheme-specific premium.
1 conditional · 3 excluded
Optional sharing for two matching premium-paying collective insureds. Their existing €275 adult dental allowances form one €550 annual pool. Employer and underlying-package eligibility apply; confirm the scheme-specific premium.
1 conditional · 3 excluded
The 2026 policy lists this dental-sharing variant for two premium-paying AV-GeZZin Compact holders on the same schedule. It pools their existing €250 allowances. Current pricing and permission to newly add this retained-linked option need insurer confirmation.
1 conditional · 3 excluded
Optional dental sharing for two premium-paying people with the same eligible supplement and policy schedule. Each pays €6.50 monthly; their existing allowances form one €1,000 annual pool. No extra dental budget is created.
1 conditional · 3 excluded
At a glance
Product details for Zorg en Zekerheid 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 Zorg en Zekerheid links
Luntero is not the insurer, broker or adviser. Quotes, applications and claims run through the provider.
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Check the basic policy against your expected providers and establish municipal, employer or sector eligibility before comparing extras. Verify reimbursements, annual ceilings, premium and excess for 2026.
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See insurance typesEigen risico, inboedel, aansprakelijkheid and the other words that decide what a policy pays. The glossary explains them next to the Dutch original.
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