VGZ

VGZ is a Dutch basic health insurance and supplemental plans (zorgverzekering) operated by Coöperatie VGZ U.A., headquartered in Arnhem, Netherlands. Launched in 2007 (current cooperative form); roots from 1940s sickness funds, it is cooperative (no listing). The current customer offer spans VGZ Eigen Keuze (restitutie) / Ruime Keuze (combinatie) / Bewuste Keuze (natura), with an anchor price of from EUR 137/month (around USD 130-200 per month for base). The 2026 development emphasis is: continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026.

Quick facts

• Operator: Coöperatie VGZ U.A.
• Headquarters: Arnhem, Netherlands
• Public-market status: cooperative (no listing)
• Founded: 2007 (current cooperative form); roots from 1940s sickness funds
• Current tiers: VGZ Eigen Keuze (restitutie) / Ruime Keuze (combinatie) / Bewuste Keuze (natura)
• Anchor price (2026): from EUR 137/month (around USD 130-200 per month for base)
• Regulator: NZa, DNB
• 2025-2026 differentiator: continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026

What is VGZ?

VGZ is a Dutch basic health insurance and supplemental plans (zorgverzekering) sold to customers in Netherlands by Coöperatie VGZ U.A.. The product surface covers the core capabilities listed below, billed in EUR through the operator's website, mobile app and (where applicable) retail partners. VGZ sits in the Dutch basic health insurance and supplemental plans (zorgverzekering) category — concretely, one of four large Dutch zorgverzekeraars competing with Zilveren Kruis, Menzis and CZ. The 2025-2026 product roadmap centres on: continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026.

Why choose VGZ

Operator credibility and footprint

Coöperatie VGZ U.A. is the company that owns and runs the service. The fact that it is cooperative (no listing) and based in Arnhem, Netherlands matters because customers in Netherlands can pursue contract enforcement, complaints and regulatory escalation in their own jurisdiction. One of four large dutch zorgverzekeraars competing with zilveren kruis, menzis and cz.

Concrete product breadth

VGZ's product surface is built around: Motor third-party liability; Comprehensive home cover; Health and travel cover; Online claim filing; Multi-policy household discount. The mix is wider than a single-feature point product and narrower than an everything-app — it targets the Dutch basic health insurance and supplemental plans (zorgverzekering) buyer who wants depth on the named capabilities rather than a generic catch-all.

2025-2026 momentum

The differentiator worth weighing for a new subscription in 2026 is concrete and dated: continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026. That gives subscribers a forward signal beyond the static catalogue and tier list — i.e. capability the operator is actively investing in this year.

Pricing and tier ladder

VGZ sells through 3 named tiers — VGZ Eigen Keuze (restitutie) / Ruime Keuze (combinatie) / Bewuste Keuze (natura). Pricing on the operator's site is denominated in EUR; the anchor price for entry-level access is from EUR 137/month (around USD 130-200 per month for base). The tier ladder is structured around feature breadth rather than usage caps alone, so higher tiers add named capabilities (not just larger buckets).

Live list pricing rotates by promotion window — for canonical numbers, check the operator's pricing page for the current campaign before committing.

What's included — named features

• Motor third-party liability — compulsory TPL cover with optional comprehensive (kasko) add-ons.
• Comprehensive home cover — buildings and contents cover with personal liability.
• Health and travel cover — top-up health, travel medical and trip cancellation lines.
• Online claim filing — digital claim notification via the customer portal and mobile app.
• Multi-policy household discount — bundling multiple policies in one household earns a multi-line discount.
• No-claims bonus tracking — no-claims discount earned for claim-free years on motor cover.
• 24/7 emergency assistance — emergency claim hotline operating around the clock.

Where you can use it

VGZ is sold and delivered inside Netherlands. The customer journey runs through Coöperatie's website and (where applicable) iOS and Android apps. Activation, billing and customer support are handled in EUR and the local language of Netherlands. Cross-border use is governed by the operator's terms; some features such as roaming, geo-restricted content or DTH satellite footprint may be limited outside the home country.

Regulation and consumer protection

The credible read on VGZ in 2026 is that it operates inside Netherlands under sector regulation by NZa, DNB, with the operator publishing standard terms, privacy policy and complaints handling on its site. continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026.

How VGZ compares within its bracket

One of four large dutch zorgverzekeraars competing with zilveren kruis, menzis and cz. The practical comparison points are tier price (where VGZ anchors at from EUR 137/month), feature parity on the Dutch basic health insurance and supplemental plans (zorgverzekering) surface listed above, and the 2025-2026 trajectory called out in the differentiator. Customers shopping the Dutch basic health insurance and supplemental plans (zorgverzekering) bracket should weight those three together rather than the headline price alone.

Refunds, cancellation and cooling-off

Cancellation and refund handling follow the operator's published terms and the consumer law in Netherlands. For ongoing-service subscriptions the practical path is to cancel before the next billing cycle via the self-service portal; for fixed-term contracts (often used on telco and insurance lines) a cooling-off window applies under local consumer law.

Customer support channels

Support for VGZ runs through the operator's mobile app, web help centre and a telephone hotline in business hours; some categories (insurance, telco) maintain 24/7 emergency lines. Response times and SLA levels vary by tier.

Who it suits

VGZ is a credible fit for customers in Netherlands who want a Dutch basic health insurance and supplemental plans (zorgverzekering) subscription from a named operator rather than a foreign-only or pure-OTT product. Specifically:

• A resident in Netherlands buying the Dutch basic health insurance and supplemental plans (zorgverzekering) category for the first time and wanting a domestic invoice and customer-service language.
• An existing customer of an adjacent operator product looking to consolidate billing into one provider.
• A household wanting the named features in the tier ladder (VGZ Eigen Keuze (restitutie) through Bewuste Keuze (natura)) rather than an everything-bundle.
• A buyer who values the 2025-2026 trajectory: continued investment in zinnige zorg (sensible care) initiatives and the MijnVGZ digital intake through 2025-2026. It is less of a fit for customers outside Netherlands, for buyers who need feature parity not listed in the tier ladder, or for those who already have an equivalent bundled subscription from a competing operator.

Frequently asked questions

Who actually operates VGZ?

Coöperatie VGZ U.A., headquartered in Arnhem, Netherlands. The legal-entity relationship and ownership chain is summarised in the Operator and Quick facts sections above.

Is VGZ listed on a public stock exchange?

Cooperative (no listing).

When was VGZ founded?

2007 (current cooperative form); roots from 1940s sickness funds.

How much does VGZ cost?

The anchor price is from EUR 137/month (about around USD 130-200 per month for base). Tiers (VGZ Eigen Keuze (restitutie) / Ruime Keuze (combinatie) / Bewuste Keuze (natura)) trade off feature breadth and inclusions; check the operator's pricing page for the current campaign price.

What are the main VGZ subscription tiers?

VGZ Eigen Keuze (restitutie) / Ruime Keuze (combinatie) / Bewuste Keuze (natura). Tier choice depends on which named features in the list above the buyer needs.

Where is VGZ available?

In Netherlands. Cross-border use of category-specific features is governed by the operator's terms.

Is VGZ regulated?

Yes — by NZa, DNB in Netherlands, alongside general consumer-protection law.

What is VGZ's 2025-2026 differentiator?

Continued investment in zinnige zorg (sensible care) initiatives and the mijnvgz digital intake through 2025-2026.

How do I cancel VGZ?

Via the operator's self-service account portal or mobile app; cancellation takes effect at the end of the current billing cycle subject to the contract type and any in-term notice period.

How does VGZ compare in its category?

One of four large dutch zorgverzekeraars competing with zilveren kruis, menzis and cz. Compare on tier price, named feature parity and 2025-2026 trajectory rather than headline price alone.

Get started with VGZ

To subscribe to VGZ, head to the operator's site in Netherlands. Anchor tier from EUR 137/month (around USD 130-200 per month for base); compare the full ladder against the named features above before committing.

Related subscriptions on Subger

• /en/us/category/insurance/
• /en/us/category/pet-insurance/
• /en/us/category/banking-payments/
• /en/us/service/lemonade/
• /en/us/service/allianz-care/