Insurer profile
Mutual Insurance Company DSW Zorgverzekeraar U.A.
Mutual Insurance Company DSW Zorgverzekeraar U.A. · Netherlands
Overview
DSW Zorgverzekeraar is a Dutch health insurer, operating as a mutual (onderlinge waarborgmaatschappij) without profit motive, providing statutory basic health insurance and supplementary health insurance to around 675,000 policyholders nationwide, making it the largest of the small Dutch health insurers.
Source7
Products in this market
1
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Company details
- Regulator
- De Nederlandsche Bank (DNB) for prudential supervision/license, the Netherlands Authority for the Financial Markets (AFM) for conduct supervision, and the Dutch Healthcare Authority (NZa) for health-insurance-specific oversight
- Phone
- +31 10 246 6466
- [email protected]
Products from Mutual Insurance Company DSW Zorgverzekeraar U.A.
Health5
Basic health insurance
The legally mandatory Dutch basic health insurance policy offered by DSW as a combination policy, with free choice of care provider and one uniform premium for everyone.
AV-Compact supplementary insurance
An entry-level supplementary health insurance package covering some extra costs such as limited physiotherapy and dental care not included in the basic insurance.
AV-Standaard supplementary insurance
A mid-tier supplementary health insurance package with broader coverage for treatments like physiotherapy, alternative medicine and dental care based on treatment codes.
AV-Top supplementary insurance
The most extensive supplementary health insurance package, including coverage for contraception, hearing aids, travel vaccinations, and broader physiotherapy, orthodontics and dental treatment.
AV-Student supplementary insurance
A supplementary health insurance package designed specifically for full-time students aged 18 to 27, including limited dental cost reimbursement.
Travel2
Continuous travel insurance
A continuous (annual) travel insurance, offered together with Unigarant, with a choice of Europe or worldwide coverage including medical costs abroad and optional cancellation cover.
Short-term travel insurance
A single-trip travel insurance policy with premium based on the chosen number of holiday days, covering medical costs and other travel risks abroad.
Regulatory updates
DSW Zorgverzekeraar holds a Solvency II insurance license from DNB (its former Wft article 2:27 license was converted to a Solvency II authorization as of 1 January 2016), registered as 'Onderlinge Waarborgmaatschappij DSW Zorgverzekeraar U.A.' in the DNB public register (also covering its former inTwente Zorgverzekeraar label, discontinued as of 1 January 2025). As a health insurer it must also register with the NZa and submit model agreements under the Zorgverzekeringswet.
Reputation and reviews
Offer pages
Travel insurance
travel insurance from DSW for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026