Health insurance premiums rise by up to €17.26 a month in 2027
CZ and VGZ raise their basic premiums sharply for 2027, to €177.25 and €170.75 a month, while Zilveren Kruis and Menzis use their own reserves to hold the increase on their most-chosen policies to €5.70 and €9.50.
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Illustrative photo: Friedrich Haag / CC BY-SA 4.0
CZ will charge €177.25 a month for basic health insurance in 2027, up €17.26, and VGZ €170.75, up €16.50. Both insurers published the new premiums late on Thursday, ahead of the deadline of 12 November that applies to all health insurers.
Two other large insurers keep the rise smaller. Zilveren Kruis charges €164.95 for its most-chosen policy, up €5.70, and says it is using €230m of its own reserves to limit the increase as far as possible. Menzis' most-chosen basic policy costs €165.75, up €9.50, with €116m of reserves used to slow the rise.
Achmea, the parent company of Zilveren Kruis, is putting in €400m in total to dampen the increase, including for its brands Interpolis and FBTO.
CZ and VGZ raise premiums most, Zilveren Kruis least
EUR per month
CZ and VGZ raise premiums most, Zilveren Kruis least (EUR per month). Highest: CZ, 17.26; lowest: Zilveren Kruis, 5.7; 5 items. Source: the insurers.
View data
| Item | EUR per month |
|---|---|
| CZ | 17.26 |
| VGZ | 16.5 |
| DSW | 14.75 |
| Menzis | 9.5 |
| Zilveren Kruis | 5.7 |
DSW announced its increase in October: €14.75, to €173.25 a month, the largest it has made so far. At Prinsjesdag, the budget-day opening of the parliamentary year, the Ministry of Health (VWS) estimated that premiums would rise by €12.50 a month on average. CZ, VGZ and DSW come out above that figure; Zilveren Kruis and Menzis come out below it.
Menzis chief executive Dirk Jan Sloots said: "We see that healthcare costs have been rising faster than the economy has been growing for years. That makes it inevitable that the premium rises too." CZ said a growing demand for care cannot be met by organising care as it is now: "We have to make other choices."
Peter Langenbach, chief executive of Zilveren Kruis, said that if the Netherlands focused more on creating a healthy society in the broadest sense, demand for care would fall and the care that is needed would stay accessible.
Statistics Netherlands (CBS) figures show health insurance prices in October 2026 were 2.2% higher than a year earlier, against 3.7% for consumer prices as a whole.
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