Zilveren Kruis review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Expats in the Netherlands wanting health cover with dental and travel on one monthly bill.
- Premium from
- €153.95 (Source, checked September 26, 2026)
- Insurance types
- Health, Dental, Travel (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €385 (Source, checked September 26, 2026)
- Claims channels
- App, Post, Chat, Phone (Source, checked September 26, 2026)
- Age range
- 18-999 (Source, checked September 26, 2026)
- Legal entity
- Zilveren Kruis Zorgverzekeringen N.V. (Source, checked September 26, 2026)
- Headquarters
- Netherlands (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
- Audience
- Expats
- Pricing model
- Monthly
- Official website
- zilverenkruis.nl
Apps and profiles
- Elsewhere
- Xsamen.zilverenkruis.nl
Pros and cons
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.
- Aimed squarely at expats, so the cover set suits people who want dental and travel alongside health.
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 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.
Safety and regulation
Zilveren Kruis is an insurer, meaning the company that sells the cover also pays the claims, rather than a broker passing the risk on. It is permitted by the Autoriteit Financiele Markten (AFM) in the Netherlands under registration 12001027, so the brand is supervised rather than unregulated.
Who runs it
The company behind the brand is Zilveren Kruis Zorgverzekeringen N.V., based in the Netherlands, and it holds Autoriteit Financiele Markten (AFM) registration 12001027. Support runs on chat, phone and help centre, so help is available by phone and chat alongside the help centre, with a community board for questions from other customers.
How Zilveren Kruis compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
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Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
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 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.
Is there an excess to pay when a claim is made?+
The excess on the basic health insurance starts at €385, so a share of each claim is settled by the customer rather than the insurer. That figure belongs to the basic health plan, so read the terms for dental and travel cover before assuming the same amount applies there.
Is Zilveren Kruis regulated?+
Yes. The insurer is permitted by the Autoriteit Financiele Markten (AFM) in the Netherlands under registration 12001027. Because the company is an insurer rather than a broker, it carries the risk on its own policies and answers to that authority in its home market.
How do I make a claim?+
Claims run through app, post and chat, so there is a digital route and a paper route at the same time. The app suits fast reporting, post suits anyone keeping paper records, and chat or phone works for questions while a claim is open. Support for everything else runs on chat, phone and help centre.
Can I pay monthly rather than settling once?+
Yes. Monthly payments are available, and the account is arranged on a monthly basis through monthly. That spreads the cost of cover across the year rather than settling it in a single payment, which suits readers who budget month to month and keeps €153.95 as the figure to compare.
Who is this insurer aimed at?+
The listed audience is expats, and the age range on the account is 18-999, so adults form the base market. The range of cover suits someone who wants health cover with dental and travel on the same bill rather than separate providers for each line.
Sources
- zilverenkruis.nl/consumenten/contact checked September 26, 2026
Backs: Claims channels, Support channels
- zilverenkruis.nl/consumenten/verzekeringen checked September 26, 2026
Backs: Age range, Insurance types, Pricing model, Monthly payments, Premium from
“Premie: EUR 10.25 (18 - 30 jaar) - EUR 10.50 (30 - 999 jaar) per maand in 2026”
- zilverenkruis.nl/consumenten/zorgverzekering/aanvullende-... checked September 26, 2026
Backs: Audience
- zilverenkruis.nl/consumenten/zorgverzekering/basisverzeke... checked September 26, 2026
Backs: Excess from
“Het verplichte eigen risico in 2026 is EUR 385”
- zilverenkruis.nl/overons/feiten-en-cijfers/onze-bedrijfsg... checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Zilveren Kruis Zorgverzekeringen N.V. statutair gevestigd te Leiden, KvK 06088185, AFM 12001027”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Zilveren Kruis
Expats in the Netherlands wanting health cover with dental and travel on one monthly bill.