the Netherlands

In the Netherlands EHFCN has several members:

  • Zorgverzekeraars Nederland (ZN) – Health Insurers Netherlands
  • Nederlandse Zorgautoriteit (NZa) – Dutch Health Authority
  • The Institute for Financial Crime (IFFC)
  • The Inspectorate SZW at the Ministry of Social Affairs and Employment (iSZW)

Zorgverzekeraars Nederland – Health Insurers Netherlands

Zorgverzekeraars Nederland (ZN) is the umbrella organization of nine health insurers in The Netherlands. They are: a.s.r., CZ, Eno, DSW, ONVZ, Menzis, VGZ, Zilveren Kruis, en Zorg en Zekerheid. ZN supports its members by fulfilling the mission of the Dutch health insurers: to arrange health care of good quality for their insured, that is affordable and accessible at the same time and aimed at promoting the well-being of their insured.

As social entrepreneurs, the nine Dutch health insurers defend the interests of their insured. ZN on the other hand, as the umbrella organization of the Dutch health insurers, supports its nine members through public advocacy and offering services of common interest to the members. In doing so, health insurers apply the following values:

  • Solidarity and equal access to health care for everyone are the of the Dutch private health insurance system;
  • Health insurers strive for continuous improvement of the quality of health care, well-being and quality of life for the insured;
  • Health insurers actively engage in ensuring effectiveness in health care and cost control in health care;
  • Health insurers put reliability, good service and ease and convenience first, both for the insured as for the health care providers. The main principles hereby are: Certainty, minimizing the administrative burden for health care providers and taking care of reliable information for the insured and the health care providers.
  • Lastly, health care insurers are not primarily focused at making profit. Entrepreneurship and competition between the health care insurers must lead to affordable and better care, thereby offering different options and choices for the insured.

ZN was established on January 1, 1995 as a result of a merger of the former Vereniging van Nederlandse Zorgverzekeraars (VNZ) and the Kontaktorgaan Landelijke Organisaties van Ziektekostenverzekeraars (KLOZ).

For more information about the Dutch healthcare system, please visit: (free brochure available)

More information

Nederlandse Zorgautoriteit (NZa) - Dutch Health Authority

The Dutch Health Authority (NZa) is an autonomous administrative authority, falling under the Dutch Ministry of Health, Welfare and Sport (VWS). The duties and tasks of the NZa have been laid down in the Healthcare Market Regulation Act. The NZa has over 400 employees.

The NZa protects the interests of citizens with regard to accessibility, affordability, and quality of health care in the Netherlands. With that in mind, the NZa sets rules, regulates health care providers and health insurers, and gives advice to the Ministry of Health, Welfare and Sport (VWS). The NZa puts the interests of citizens first in anything it undertakes. This means that we constantly make sure that health care stays affordable for those who need it, that health care is available in a timely manner, and that the quality of health care is excellent.

The NZa sets the tariffs and the treatment descriptions/specifications in the health care market
The NZa determines what types of health care can be charged to patients by health care providers, and what such health care may cost (at the most), for example treatments by GPs or dentists, or health care provided to people with disabilities. For most treatments, health insurers and health care providers sit down and make arrangements about what each treatment entails, what its quality should be, and what its price can be.

The NZa regulates health insurers and health care providers
Based on analyses of its own and on reports filed by consumers, the NZa checks whether health care providers and health insurers comply with the rules and regulations. For example, health insurers must accept everyone for the basic health insurance package, regardless of age, income, lifestyle or health. Also, health care providers must charge their treatments to patients correctly. In addition, they are required to provide clear information about the price and quality of the health care they offer. Are the interests of consumers at issue? Then the NZa will step in.

More information

The Institute for Financial Crime (IFFC)

The Institute for Financial Crime (IFFC) is an independent knowledge- and network-organisation on financial-economic-crime. The institute opened in May 2015 in The Hague.

It consists of knowledge partners who, in an innovative way, formulate solutions for issues of financial-economic crime with significant social impact. The institute facilitates research, knowledge-sharing and (public-private) partnerships.

For more

the Inspectorate SZW at the Ministry of Social Affairs and Employment (iSZW)

The Inspectorate SZW works for fair, healthy and safe working conditions and socio-economic security for everyone.  More information will be added shortly.

For more information