Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Zilveren Kruis
Barmenia vs Zilveren Kruis: the differences
| Compare |  Barmenia |  Zilveren Kruis |
|---|---|---|
| Premium from | €2.40Lower | €153.95 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Health, Dental, Travel |
| Excess from | €250Lower | €385 |
| Claims channels | Online claims form, Phone, Email, Customer portal | App, Post, Chat, Phone |
| Age range | Any age (dog surgery cover) | 18-999 |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.2.
- Premium from is lower at Barmenia: €2.40 vs €153.95.
- Excess from is lower at Barmenia: €250 vs €385.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only Zilveren Kruis offers App, Post, Chat.
- Support channels: only Barmenia offers Email.
- Support channels: only Zilveren Kruis offers Chat, Community.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
Zilveren Kruis
Zilveren Kruis is a Dutch insurer for expats and adults who want health, dental and travel cover on a single monthly bill. The trade-off is cost: on starting price it ranks 232 of 252 brands here, so readers shopping purely on price have cheaper options to check.
Score breakdown
| Area | Barmenia | Zilveren Kruis |
|---|---|---|
| Cost | 9.0HigherPremium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 8.5Entry price of €153.95 sits above the site median of €8.37, and the basic health plan carries an excess starting at €385. |
| Offer | 9.6Higher | 9.4 |
| Trust | 9.7Higher | 9.6 |
Licences and countries
| Country | Barmenia | Zilveren Kruis |
|---|---|---|
| Netherlands | Not confirmed | Autoriteit Financiele Markten (AFM) 12001027 |
Additional countries for Barmenia: 1. Additional countries for Zilveren Kruis: 1.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.40 for Barmenia and €153.95 for Zilveren Kruis.
HanseMerkur Reiseversicherung AT reviewHow they place
| Ranking | Barmenia | Zilveren Kruis |
|---|---|---|
| Health insurance | 43 of 216 | 91 of 216 |
| Travel insurance | 83 of 295 | 140 of 295 |
| Dental insurance | 16 of 50 | 29 of 50 |
Every fact side by side
| Fact | Barmenia | Zilveren Kruis |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Zilveren Kruis Zorgverzekeringen N.V. |
| Headquarters | Germany | Netherlands |
| Founded | 1904 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Phone, Help centre, Community |
Where each stands against the rest
| Fact | Barmenia | Zilveren Kruis | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €153.95highest quarter | €6.02 |
| Excess from | €250highest quarter | €385highest quarter | €50 |
Median across 116 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
Zilveren Kruis
Pros
- A single insurer covers health, dental and travel, and monthly payments are available.
- Permitted by the Autoriteit Financiele Markten (AFM) in the Netherlands under registration 12001027.
- Claims run through app, post and chat, so digital and paper routes both exist.
Cons
- The excess on the basic health insurance starts at €385, so part of each claim is paid by the customer rather than the insurer.
- The account opens at 18-999, so customers below that age need a different provider.
- Cover stops at health, dental and travel, so auto, home or income protection has to sit with another provider.
Who each suits
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
Zilveren Kruis
Who it suits
- Expats in the Netherlands who want health cover with dental and travel on a single monthly bill.
- Customers aged 18-999 who prefer monthly payments to one annual settlement.
- People who want to deal with the insurer directly, since insurer is an insurer rather than a broker.
Who should look elsewhere
- Good Sam Insurance Agency, whose auto, home and renters covers auto, home and life as well as health and travel.
- bonus.ch, whose starting price of CHF 0 sits well under €153.95.
- Oney Préstamos ES, where the entry figure of €1,000 is far above €153.95 and offers no cheaper start.
Country by country
| Country | Barmenia | Zilveren Kruis |
|---|---|---|
| Germany | Yes | No |
| Netherlands | No | Yes |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
Zilveren Kruis
What does Zilveren Kruis actually cover?+
The brand sells health, dental and travel cover, so health is the core line with dental and travel alongside it. The account is set up monthly through monthly and the listed audience is expats. Anything outside those lines, such as auto or home, sits with another provider.
How much is the entry premium and how does that compare?+
Premiums start at €153.95, above the site median of €8.37, which puts Zilveren Kruis at 232 of 252 brands on starting price. Readers focused on the lowest entry figure will find cheaper figures on the same list.
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