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Gewoon ZEKUR Zorg Basis by ZEKUR (2026)

Gewoon ZEKUR Zorg Basis from ZEKUR for 2026. Policy type: in-kind policy (natura).

  • In-kind policy (natura)
Policy type
In-kind policy (natura)
Insurer
ZEKUR

ZEKUR becomes part of Univé on 1 January 2027.You automatically move to Univé Zorg. The basic insurance stays the same; only the name changes. ZEKUR Tand becomes Univé Tand Goed.

Source: Frequently asked questions about ZEKUR (unive.nl, Dutch)

Summary

With a natura (in-kind) policy, care is fully covered at care providers that have a contract with this insurer. At a provider without a contract, you often get only part of the costs reimbursed.

ZEKUR in-kind policy: care from a non-contracted provider is reimbursed up to 80% of the average contracted rate. Emergency care and GP care without a contract are reimbursed up to the regulated (Wmg) tariff.

This summary was written from the insurer's documents and checked by me. The insurer's policy terms (polisvoorwaarden) are legally binding.

Source: Policy conditions ZEKUR 2026 (Retrieved on 28 October 2026)

Premium per deductible level

The higher your voluntary deductible (vrijwillig eigen risico), the lower your premium. But if you use care that counts towards the deductible, you pay more yourself.

Premium per deductible level
Voluntary deductible Total deductible Per month Per year
None€385€155.00€1,860.00
€100€485€151.00€1,812.00
€200€585€149.00€1,788.00
€300€685€146.00€1,752.00
€400€785€143.00€1,716.00
€500€885€140.00€1,680.00

The premium for this policy is the same for everyone aged 18 or over, regardless of age or health. Children under 18 pay no premium for basic insurance.

Choice of care providers

How much is reimbursed if you go to a care provider that has no contract with ZEKUR.

Reimbursement for non-contracted care
Type of care Reimbursement without a contract
Medical aids80% of the average contracted rate
Independent clinics80% of the average contracted rate
Other care80% of the average contracted rate
Hospital care80% of the average contracted rate

Hospitals and clinics

Which hospitals, clinics and other institutions have a contract with Gewoon ZEKUR Zorg Basis? I know the status of 17957 care providers. Click a name for the details and the source.

Contracted (15294)

I show 100 of 15294, hospitals and clinics first.

Partly contracted (20)
No contract (2600)

I show 100 of 2600, hospitals and clinics first.

Unknown (43)

According to the care finder (zorgzoeker) of ZEKUR, retrieved on 28 October 2026. Contracts can change during the year. Before treatment, always check with your insurer or the care provider whether there is a contract.

Find another care provider

What is covered

Basic insurance covers the same care at every insurer; the government decides the basic package. Insurers differ in premium, choice of care providers and service.

Supplementary insurance with this policy

These packages from ZEKUR can be combined with Gewoon ZEKUR Zorg Basis.

Changes since 2025

This policy is new in 2026.

Sources

  1. Policy conditions ZEKUR 2026 (Retrieved on 28 October 2026)
  2. Premium overview ZEKUR 2026 (Retrieved on 28 October 2026)