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Zorgzaam Ruime Keuze by Zorgzaam (2026)

Zorgzaam Ruime Keuze from Zorgzaam for 2026. Policy type: in-kind policy (natura).

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

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.

Zorgzaam in-kind policy: care from a non-contracted provider is reimbursed up to 80% of the average contracted rate or the Wmg rate. Acute care and GP care without a contract are covered up to the Wmg rate.

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 Zorgzaam 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€154.25€1,851.00
€100€485€151.25€1,815.00
€200€585€148.25€1,779.00
€300€685€145.25€1,743.00
€400€785€142.25€1,707.00
€500€885€139.25€1,671.00

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 Zorgzaam.

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 Zorgzaam Ruime Keuze? 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 Zorgzaam, 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 Zorgzaam can be combined with Zorgzaam Ruime Keuze.

Changes since 2025

This policy is new in 2026.

Sources

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