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Start Zorg & Tand 2 by Zilveren Kruis (2026)

Start Zorg & Tand 2 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 6 physiotherapy sessions, two dental check-ups a year, € 150 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.

Allied health care
Care Maximum Percentage Number Per Conditions
Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie vanaf 18 jaar Unlimited 100% 6 calendar year, per person Ook 6 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.
Dental care
Care Maximum Percentage Number Per Conditions
Dentist: check-ups and prevention Read automatically, not yet checkedName used by the insurer: Consulten & Mondhygiëne Unlimited 100% 2 calendar year, per person 2 keer per jaar controle en 20 minuten gebitsreiniging.
Dentist: treatments Read automatically, not yet checkedName used by the insurer: Verdovingen en vullingen €150 100% 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.
Abroad
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.
Prevention and lifestyle
Care Maximum Percentage Number Per Conditions
Health check and preventive screeningNo 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.
Medical aids and other
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.

Premium by age
Age Per month Per year
0 to 17 years€0.00€0.00
18 to 29 years€15.95€191.40
30 years and older€15.95€191.40

Changes since 2025

This policy is new in 2026.

Sources

  1. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)
  2. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page start-zorg-tand-2)
  3. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page buitenland)
  4. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page fysio-en-oefentherapie)
  5. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page gezond-en-fitbundel)
  6. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page medicijnen-geneesmiddelen)
  7. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page reventie-en-advies)
  8. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page sychische-zorg)
  9. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page vervoer)
  10. Coverage overview Zilveren Kruis 2026 (Retrieved on 28 October 2026, page ziekenhuis-en-verpleging)
  11. Premium overview Zilveren Kruis 2026 (Retrieved on 28 October 2026)