Insurer profile
Coöperatie VGZ UA
Coöperatie VGZ UA is one of the largest non-profit health insurers in the Netherlands, with over 4 million insured members. 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, and Zorgzaam.
Source- Legal entity
- Coöperatie VGZ UA
- Headquarters
- Arnhem, Netherlands
- Parent group
- Coöperatie VGZ U.A.
- Regulator
- De Nederlandsche Bank (DNB) and Nederlandse Zorgautoriteit (NZa)
- Phone
- +31 88 822 6000
- app-support@vgz.nl
- Last verified
- May 2, 2026
Products from Coöperatie VGZ UA
health
VGZ Basic Choice (Budget Nature Policy)
A budget natura-selectief basic health insurance with limited freedom of provider choice for planned care; non-contracted providers reimbursed up to 70%.
health
VGZ Wide Choice (Nature Policy)
A standard natura basic health insurance with wider provider choice; non-contracted providers reimbursed up to 80%.
health
VGZ Own Choice (Combination Policy)
A combination basic health insurance policy that reimburses 100% of the market-rate tariff for non-contracted providers, offering maximum freedom of choice.
health
VGZ Supplemental Start (Aanvullend Instap)
Entry-level supplemental health insurance covering 6 physiotherapy sessions, dental accident coverage up to €10,000, and a €75 preventive health check budget.
health
VGZ Supplemental Good (Aanvullend Goed)
Supplemental health insurance covering physiotherapy, alternative care, contraception, maternity care, glasses and lenses, and more.
health
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.
health
VGZ Supplemental Best (Aanvullend Best)
Top-tier supplemental health insurance (€47.60/month in 2026) with the broadest reimbursements across physiotherapy, alternative care, maternity, caregiving, and other services.
health
VGZ Dental Good (Tand Goed)
Entry-level dental insurance covering up to €250 per year for dental and oral care, with 100% reimbursement for check-ups and 80% for other treatments.
health
VGZ Dental Better (Tand Beter)
Mid-tier dental insurance covering up to €500 per year, including orthodontics up to €1,500 for adults and €1,500 for minors (after 1-year waiting period).
health
VGZ Dental Best (Tand Best)
Top-tier dental insurance (€58.00/month in 2026) covering up to €1,000 per year, with orthodontics up to €2,500 for minors and €1,500 for adults (after 1-year waiting period).
health
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.
health
VGZ Municipal Package (Gemeentepakket)
A bundled health insurance package for municipal residents, often with a zero compulsory deductible, providing access to broad care coverage at reduced cost.
Regulatory updates
In October 2025, VGZ and ONVZ announced a strategic partnership under which ONVZ would transfer risk-bearing for both basic and supplemental insurance to VGZ as of 1 January 2027. The Autoriteit Consument & Markt (ACM) approved the takeover in January 2026, concluding that sufficient competition would remain in the health insurance market. VGZ posted a positive result of €578 million over 2025, driven mainly by lower-than-expected care costs and investment returns. DNB supervises the fitness and reliability of board members and senior management, and NZa oversees compliance with the Zorgverzekeringswet and the duty of care to ensure insured members have timely access to all care in the basic package.