Insurer profile
Achmea B.V.
Achmea B.V. is the largest insurance group in the Netherlands, serving over 10 million customers through brands including Centraal Beheer, Interpolis, Zilveren Kruis, FBTO, Avéro Achmea, De Friesland and InShared. It has a cooperative background and offers health, life, property/casualty, travel, and income insurance products, as well as related financial services.
Source- Legal entity
- Achmea B.V.
- Headquarters
- Zeist, Netherlands
- Parent group
- Vereniging Achmea (cooperative association)
- Regulator
- De Nederlandsche Bank (DNB) for prudential supervision; Autoriteit Financiële Markten (AFM) for market conduct supervision
- Phone
- +31 30 693 7000
- webcare@achmea.nl
- Last verified
- May 2, 2026
Products from Achmea B.V.
motor
Car Insurance – Third-Party Liability (WA)
Mandatory third-party liability car insurance covering damage caused to others on the road.
motor
Car Insurance – All Risk (Allrisk)
Comprehensive all-risk car insurance covering damage to own vehicle in addition to third-party liability.
motor
Car Insurance – Limited Casco (WA+ Beperkt Casco)
Mid-level car insurance covering third-party liability plus selected perils such as theft, fire, and weather damage.
health
Basic Health Insurance (Basisverzekering)
Statutory basic health insurance as required by Dutch law, offered via brands such as Zilveren Kruis, FBTO, De Friesland, and Interpolis.
health
Supplementary Health Insurance (Aanvullende Zorgverzekering)
Optional supplementary health insurance covering services not included in the basic package, such as physiotherapy and alternative medicine.
health
Dental Insurance (Tandartsverzekering)
Dental insurance covering routine check-ups and treatments not reimbursed by the basic health insurance.
property
Home Contents Insurance (Inboedelverzekering)
Insurance covering household contents against damage or theft.
property
Building/Property Insurance (Opstalverzekering)
Insurance covering the structure of a home against damage from fire, storm, subsidence, and other perils.
travel
Travel Insurance (Reisverzekering)
Travel insurance covering medical expenses, emergency assistance, and personal belongings during trips abroad.
travel
Cancellation Insurance (Annuleringsverzekering)
Insurance that reimburses non-refundable travel costs if a trip must be cancelled due to unforeseen circumstances.
travel
Winter Sports Insurance (Wintersportverzekering)
Specialized travel insurance for winter sports holidays, covering accidents, ski equipment, and rescue costs on the slopes.
life
Term Life Insurance / Mortgage Life Insurance (Overlijdensrisicoverzekering)
Term life insurance paying a lump sum to beneficiaries upon death of the insured within the policy term.
life
Life Insurance (Levensverzekering)
Whole or endowment life insurance combining savings and death benefit for long-term financial security.
life
Funeral Insurance (Uitvaartverzekering)
Insurance covering funeral costs to relieve financial burden on surviving relatives.
liability
Personal Liability Insurance (Aansprakelijkheidsverzekering Particulieren)
Personal liability insurance covering claims from third parties for bodily injury or property damage caused by the insured.
liability
Legal Assistance Insurance (Rechtsbijstandverzekering)
Legal assistance insurance providing access to legal advice and representation in disputes, offered via Stichting Achmea Rechtsbijstand.
health
Accident Insurance (Ongevallenverzekering)
Accident insurance paying a lump sum or income replacement in the event of permanent disability or death resulting from an accident.
health
Disability Income Insurance (Arbeidsongeschiktheidsverzekering – AOV)
Income protection insurance for self-employed persons and entrepreneurs covering loss of income due to illness or disability.
property
Business Insurance (Bedrijfsverzekering)
Commercial property and liability insurance for businesses, covering fire, business interruption, and commercial risks via Avéro Achmea.
liability
Business Liability Insurance (Bedrijfsaansprakelijkheidsverzekering)
Commercial general liability insurance protecting businesses against third-party injury or damage claims.
liability
Professional Liability Insurance (Beroepsaansprakelijkheidsverzekering)
Professional indemnity insurance protecting professionals against claims arising from errors or omissions in their professional services.
other
Agricultural Insurance (Agrarische Verzekering)
Specialized insurance products for the agricultural sector, including crop, livestock, and farm building coverage via Avéro Achmea.
property
Homeowners' Association Insurance (VvE Verzekering)
Insurance for apartment owners' associations (VvE) covering the building and communal areas.
financial
Mortgage / Home Loan (Hypotheek)
Mortgage products offered via Centraal Beheer and Achmea Bank to finance home purchases.
other
Pension Insurance (Pensioen)
Pension savings and income products for individuals and employers offered via Centraal Beheer APF and Achmea Pension Services.
Regulatory updates
Achmea holds a Solvency II authorization (converted from Wft article 2:27 license on 01-01-2016) from DNB for its insurance entities. In February 2026, Achmea Bank received DNB approval for the use of an A-IRB model in capital calculations. In March 2026, the unit-linked policies (woekerpolis) agreement became final with over 90% customer consent. Achmea published its first CSRD-compliant sustainability report as part of its 2024 Annual Report. The group's solvency position remains robust under Solvency II guidelines.