Aon Healthcare Insurance

Zorgverzekeringen van Aon met risicodrager Zilveren Kruis

With Aon, you (and your family members, where applicable) benefit healthcare insurance with the attractive reductions and generous policy terms and conditions that we have negotiated for your company. Your wishes are central to the service we provide.

voordeelPersonal advice
voordeelCollective discount
voordeelExcellent health services

Group health insurance contract with benefits for you

Your employer has entered into a group health insurance contract with Aon on your behalf. Aon is a reliable healthcare insurance provider and an authorised agent of Zilveren Kruis.

The benefits to you are as follows:

  • High group discount
  • Healthcare invoices submitted in less than 1 minute via our website
  • Powered by Zilveren Kruis: good, reliable healthcare insurance

The Dutch Ministry of Health, Welfare and Sport stipulates that if you work in the Netherlands -and you are subject of the Dutch Social Security system-, you are legally obliged to take out a basic health insurance package.

Nike’s Contribution to your insurance

If you join one of the two group schemes, Nike will make an employer’s contribution to the premium, through your monthly salary. You will receive this employer’s contribution of € 17.50 (gross) per month not only for yourself but also for your co-insured partner and premium-paying children, if applicable.

Please note that the above employer’s contribution only applies if you opt for the Vitaal 2, Vitaal 3 or Vitaal 4 supplementary package (Aon Healthcare insurance) or the ‘Top Collectief’ supplementary package (CZ scheme).

Adviseur Justin van Rooy

Your personal advisor

Would you like to have personal advice about your healthcare insurance options? Aon Advisor Justin van Rooy is ready to answer all your questions.

Justin van Rooy
Insurance Advisor
Private Non-life and Healthcare insurances

Bel onze adviseurs particuliere schadeproducten   (06) 250 860 51
E-mail onze adviseurs particuliere schadeproducten

A conscious choice

Care in the Netherlands is good, but the quality does vary. That's why healthcare insurers are setting even higher standards for care providers, healthcare costs, quality and patient-friendliness. Only those care providers who meet the standards set are contracted.

The basic insurance you choose determines the care providers you can use. If you use a care provider who is not contracted, you may have to pay some or all of the costs of the care you choose or have already received.

Meest gekozen

Selective contracted care

You can go to a select number of care providers. You pay for some or all of non-contracted care yourself.

  • Lowest premium
Mostly chosen

Contracted care

You can choose from a wide range of care providers in the Netherlands for all your care needs, making it less likely that you will need to pay for the care (or part of it) yourself.

  • Good price/quality
  • Most popular choice
Meest gekozen

Non-contracted care

You are free to choose any care provider; reimbursements based on prevailing market prices.

  • Higher premium
  • Freedom of choice

What is the basic insurance?

In the Netherlands, basic insurance is compulsory for insured persons aged 18 and over. Children under 18 must also be insured, but do not have to pay a premium. The government determines the reimbursements that are included in the basic insurance. This is the same for every insurance provider, and everyone is accepted. With a basic insurance, you are covered by the insurance for basic care such as a visit to the general practitioner and the hospital, emergency care and medication.
There are three types of basic insurance:

Basis Exclusief (Restitutie)

This non-contracted care policy allows you to freely choose the care provider you want to use. You will receive a reimbursement up to a maximum of the costs that would be generally accepted in the Netherlands. In that case, the premium is higher than with the Natura insurance (in-kind insurance).

Basis Zeker (Natura)

This in-kind insurance enables you to see contracted care providers. You will be fully reimbursed and are assured of good care. For some care elements, you will be paying your excess and/or patient contribution. Are you visiting a non-contracted care provider? In that case, you might be charged for part of that care.

Basis Budget (selectief)

The in-kind selective contracted care insurance allows you to choose from a selected number of contracted care providers. If the care provider is a non-contracted care provider, you will be reimbursed up to a maximum of 75% of the costs that would be generally accepted in the Netherlands.

Contracted care providers

Avoid unpleasant financial surprises by going to Zilveren Kruis zorgzoeker (Dutch only) to check whether your care provider is contracted.
If you are not sure that the care provider you wish to consult is contracted, please call our customer service at +31 (0) 88 810 18 03.

Find healthcare provider

Supplementary insurance packages

We believe it is important for you to be and stay healthy. That is why we are replacing your supplementary insurance in 2021 with a new product: Vitaal+. This is an additional package with extensive reimbursements for prevention and vitality. In addition to reimbursements for three extra physiotherapy treatments, Vitaal+ also offers you a generous prevention budget, which can include dietary advice, preventive blood or diabetes tests, menopause consultations, and flu shots.

Plenty of choice

On November the 12th we sent you an offer with your new supplementary insurance package and your new premium. Your new package is as close as possible to the supplementary insurance you have now. It is possible though that some reimbursements may differ from what you have now. Such as those for orthodontics, physiotherapy, podiatry, glasses, lenses, and alternative healthcare. Please check your new package carefully to see whether it sufficiently meets your circumstances and healthcare needs. If it does not, you can change your additional package up to and including 31 January 2021.

Would you like to change your additional package?

You can choose from Basis Vitaal or Vitaal 1+, 2+, 3+ or 4+, with Vitaal 4+ having the most extensive reimbursements. Basis Vitaal is an introductory package. If you do not expect healthcare costs but want to be insured against the most important risks, this is a good option. Basis Vitaal offers reimbursement for:

  • urgent care abroad
  • dental accidents
  • physiotherapeutic aftercare
  • repatriation
  • second opinion by Royal Doctors

Supplementary insurance packages

Below we give you an overview of the most important reimbursements included in Vitaal 1+, 2+, 3+ and 4+. A complete list of all reimbursements can be found under ‘Downloads’ on this page.

Dental insurance

In 2021, we will also replace your dental insurance with a new product: Tand Vitaal.
Your new Tand Vitaal package is as close as possible to the dental insurance you have now. Please check the reimbursement list to see if your new dental care package sufficiently meets your circumstances and healthcare needs. If it does not, you can change your dental care package up to and including 31 January 2021.

Would you like to change your additional package? You can choose from Tand 1, 2, 3 or 4. An overview of all reimbursements can be found under ‘Downloads’.

Personal advice

Choosing healthcare insurance is often quite complex. Have you already selected your healthcare insurance for 2021?

We recommend that you consider the excellent deals your employer has arranged with Aon. Deals that will allow you and your family to benefit from the biggest health insurance companies in the Netherlands.

Would you like personal advice?
Fill in this call me back form and one of our personal advisors will call you. Or please call +31 (0)88 810 81 03.

Call me back

Questions & Answers