Start Zorg & Tand 1 by Zilveren Kruis (2026)
Start Zorg & Tand 1 is a supplementary and dental insurance from Zilveren Kruis for 2026.
- Package type
- Supplementary and dental insurance
- Acceptance
- The insurer may refuse you
- Waiting period
- No waiting period
- Child
- Children under 18 are covered free of charge if a parent has this package.
Summary
Zilveren Kruis starter package for care and dental with 3 physiotherapy sessions, a yearly dental check-up, € 75 for fillings and anaesthesia, and cover abroad.
Only available together with basic insurance from Zilveren Kruis.
What this package covers
I extract coverage from the insurer's documents and check it afterwards. I mark data that has not been checked yet.
Indented lines are extra lines the insurer lists under the same type of care, for example for a specific condition. I show them so you can read them, but they do not count in my calculation of your annual costs or in the comparison. Check the policy terms to see whether they apply to you.
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie vanaf 18 jaar | Unlimited | 100% | 3 | calendar year, per person | Ook 3 behandelingen per jaar voor verzekerden tot 18 jaar, aanvullend op de basisverzekering. |
| Fysiotherapeutische nazorg (ook chronisch)Extra lineunder Physiotherapy Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig per indicatie, maximaal 2 jaar lang. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Dentist: check-ups and prevention Read automatically, not yet checkedName used by the insurer: Consulten & Mondhygiëne | Unlimited | 100% | 1 | calendar year, per person | 1 keer per jaar controle en 20 minuten gebitsreiniging. |
| Dentist: treatments Read automatically, not yet checkedName used by the insurer: Verdovingen en vullingen | €75 | 100% | Unlimited | calendar year, per person | Totaalbedrag alleen voor verdovingen en vullingen; periode niet vermeld. |
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Tandheelkundige zorg als gevolg van een ongeval | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Repatriation Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed; de basisverzekering vergoedt alleen tot 200 kilometer. |
| Emergency care abroad Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Vergoeding tot het tarief in het buitenland in plaats van het Nederlandse tarief. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Health check and preventive screening | No general coverage, only the extra lines below. | ||||
| Online check huidkankerExtra lineunder Health check and preventive screening Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Online beoordeling op huidkanker, volledig vergoed. |
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Online (zelfhulp)modules bij psychische klachten | Unlimited | 100% | Unlimited | calendar year, per person | Online zelfhulpprogramma's bij psychische klachten, volledig vergoed. |
| Online coaching (HeyCoach)Extra lineunder Additional psychological support Read automatically, not yet checked | Unlimited | 100% | 1 | calendar year, per person | Eén coachingstraject per jaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Travel and stay for specialist treatment Read automatically, not yet checkedName used by the insurer: Overnachtings- en vervoerskosten bij expertisebehandelingen in het buitenland | €5,000 | 100% | Unlimited | calendar year, per person | Reis- en overnachtingskosten bij een expertisebehandeling over de grens; periode van het maximum niet vermeld. |
| Medicine co-payments and non-covered medicines Read automatically, not yet checkedName used by the insurer: Geregistreerde geneesmiddelen die niet in het basispakket zijn opgenomen | €750 | 100% | Unlimited | calendar year, per person | Geregistreerde medicijnen buiten het basispakket. |
| Transport after death Read automatically, not yet checkedName used by the insurer: Vervoer van een stoffelijk overschot naar Nederland | Unlimited | 100% | Unlimited | calendar year, per person | Overbrenging van een overledene naar Nederland volledig vergoed. |
| Second opinion (including online) Read automatically, not yet checkedName used by the insurer: Second opinion door Royal Doctors | Unlimited | 100% | Unlimited | calendar year, per person | Ook Tweede Arts Online wordt volledig vergoed. |
Premium by age
The premium for supplementary insurance may depend on your age on 1 January.
| Age | Per month | Per year |
|---|---|---|
| 0 to 17 years | €0.00 | €0.00 |
| 18 to 29 years | €11.95 | €143.40 |
| 30 years and older | €11.95 | €143.40 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page start-zorg-tand-1)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page buitenland)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page fysio-en-oefentherapie)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezond-en-fitbundel)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page medicijnen-geneesmiddelen)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page reventie-en-advies)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page sychische-zorg)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page vervoer)
- Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ziekenhuis-en-verpleging)
- Premium overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)