6 products

2 insurance types

Checked September 2026

Zorgzaam

VGZ Zorgverzekeraar N.V.

Zorgzaam is represented on Luntero with 6 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 Zorgzaam 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: 66
Legal and income: 0
Life and funeral: 0
Pets and animals: 0
Other cover: 0

Health and care6 products

What Zorgzaam offers

Zorgzaam is represented by Ruime Keuze basic health insurance and five supplementary levels from Ster 1 to Ster 5 for 2026. The insurer’s relationship with the Dutch defence community can affect eligibility, while the numbered stars indicate graduated packages rather than a quality rating. Use this profile to verify access and the basic provider model first, then compare actual care benefits, reimbursement ceilings, premium and statutory or voluntary excess at each level.

Basic health

1 product

Standalone policy

2026

Basic health insurance with contracted-provider reimbursement and a lower ceiling for non-contracted care.

2 conditional

€154.25/month

Supplementary health

5 products

Add-on

2026

A supplementary package with 3 therapy treatments and a shared glasses and contact-lens allowance.

8 conditional · 4 excluded

€5.50/month

Add-on

2026

A supplementary package with 9 therapy treatments and a shared glasses and contact-lens allowance.

19 conditional · 2 excluded

€24.50/month

Add-on

2026

A supplementary package with 18 therapy treatments and a shared glasses and contact-lens allowance.

23 conditional · 2 excluded

€40.75/month

Add-on

2026

Zorgzaam Ster 4: A supplementary package with 32 therapy treatments and a shared glasses and contact-lens allowance.

27 conditional · 1 excluded

€69/month

Add-on

2026

Zorgzaam Ster 5: A supplementary package with 32 therapy treatments and a shared glasses and contact-lens allowance.

30 conditional

€88/month

At a glance

Products documented: 6
Insurance types: 2
Standalone policies: 1
Add-ons and modules: 5
Policy languages: NL

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Product details for Zorgzaam 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 Zorgzaam links

Website

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

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Vehicles and mobility: 2929
Travel: 1414
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Confirm Zorgzaam access before comparing Ster 1–5

Confirm current access through the defence-related arrangement, then check Ruime Keuze provider reimbursement and compare Ster packages benefit by benefit. Verify annual limits, premium and excess for 2026.

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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.

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