Insurer profile
Coöperatie VGZ UA
Coöperatie VGZ UA · Netherlands
Overview
Coöperatie VGZ UA is one of the largest non-profit health insurers in the Netherlands, insuring over 4 million members through its main VGZ brand and several sub-labels. Founded in 1948 in Nijmegen as Stichting Volksgezondheidszorg, it is structured as a cooperative without shareholders, reinvesting any surplus into care, members, and premium reduction. VGZ offers basic health insurance, supplemental insurance, and dental insurance, and operates several sub-brands including IZA, VGZbewuzt, Univé (health), ZEKUR, IZZ, UMC Zorgverzekering, UnitedConsumers and Zorgzaam.
Source12
Products in this market
Company details
- Parent group
- Coöperatie VGZ U.A.
- Regulator
- De Nederlandsche Bank (DNB) and Nederlandse Zorgautoriteit (NZa)
- Phone
- +31 900 8490
- [email protected]
Products from Coöperatie VGZ UA
Health
VGZ Basic Choice (Budget Nature Policy)
A budget natura basic health insurance where non-contracted providers are reimbursed up to 70% of the average contracted rate.
VGZ Wide Choice (Nature Policy)
A standard natura basic health insurance with wider provider choice; non-contracted providers reimbursed at a higher percentage than the budget variant.
VGZ Own Choice (Combination Policy)
A combination basic health insurance policy offering maximum freedom of choice; from 1 January 2026 non-contracted providers are reimbursed up to 80% of the average contracted tariff.
VGZ Supplemental Start (Aanvullend Instap)
Entry-level supplemental health insurance covering a limited number of physiotherapy sessions, dental accident coverage, and a preventive health check budget.
VGZ Supplemental Good (Aanvullend Goed)
Supplemental health insurance covering physiotherapy, alternative care, contraception, maternity care, glasses and lenses, and more.
VGZ Supplemental Better (Aanvullend Beter)
Mid-tier supplemental health insurance with higher reimbursements for physiotherapy, alternative care, maternity care, caregiving, travel vaccinations, contraception, and glasses and lenses.
VGZ Supplemental Best (Aanvullend Best)
Top-tier supplemental health insurance with the broadest reimbursements across physiotherapy, alternative care, maternity, caregiving, and other services.
VGZ Dental Good (Tand Goed)
Entry-level dental insurance covering annual dental and oral care costs, with full reimbursement for check-ups and partial reimbursement for other treatments.
VGZ Dental Better (Tand Beter)
Mid-tier dental insurance with a higher annual coverage limit, including orthodontics for adults and minors after a waiting period.
VGZ Dental Best (Tand Best)
Top-tier dental insurance with the highest annual coverage limit and orthodontics coverage for both minors and adults after a waiting period.
VGZ Collective Health Insurance (VGZ Zorgt)
A collective health insurance package for members of affiliated home care, patient, and elderly organisations, offering discounts on supplemental and dental insurance.
VGZ Municipal Package (Gemeentepakket)
A bundled health insurance package for municipal target groups, often with a zero compulsory deductible, providing broad care coverage at reduced cost.
Regulatory updates
The Autoriteit Consument & Markt (ACM) decided on 18 December 2025 (published 9 January 2026) that VGZ Zorgverzekeraar N.V. may acquire exclusive control over the health insurance portfolio of ONVZ Ziektekostenverzekeraar N.V. and ONVZ Aanvullende Verzekering N.V., concluding that sufficient competition remains in the health insurance market. The phased transition began on 1 February 2026, with VGZ becoming full risk-bearer for ONVZ's basic and supplemental policies from 1 January 2027, growing VGZ's membership toward roughly 4.5 million. Coöperatie VGZ closed 2025 with a positive result of €578 million, driven mainly by lower-than-expected care costs and investment returns, and reported a Solvency II ratio of 155% of the required minimum. DNB supervises the fitness and reliability of board members and senior management and financial solvency, while NZa oversees compliance with the Zorgverzekeringswet and the duty of care.
