Which Dutch Health Insurers Serve You in English

Almost every large Dutch health insurer now has an English page. Most of the big ones also publish their policy conditions in English. Far fewer will send you a letter you can read or let you finish a claim without a Dutch-speaking friend on the phone.

That gap is not obvious when you are signing up, because the sign-up funnel is the part companies translate first. It becomes obvious in March, when an envelope arrives about your eigen risico and the portal you need to log into is Dutch only.

Below is what eight insurers actually publish and answer in English, checked on their own websites. Everything here carries the date we checked it, because insurers publish next year’s premiums and policy terms before 12 November and update these pages around then.

Disclosure: this article contains affiliate links to a.s.r., an approved partner of ours. If you take out a policy through one of those links we may earn a commission at no extra cost to you.

💡 Related: handling Dutch healthcare in English, how to read a Dutch health insurance policy, finding an English-speaking doctor, switching health insurance step by step, the main Dutch health insurance plans compared.

The Four Things Worth Testing Before You Sign

Judging English service by the homepage is how people end up disappointed. Four questions separate a translated brochure from an operation you can actually use.

1. Are the policy conditions (polisvoorwaarden) published in English for the coming year? This is the document that decides what gets paid; six of the eight insurers below publish it in English.
2. Is the self-service portal in English, or only the app? The portal is where the letters, invoices and claim history live.
3. Will the ordinary phone line help you in English, and during what hours? Almost none of these are dedicated expat desks.
4. Can you submit a claim, especially one from abroad, on an English form?

Everything below is scored against those four, and nothing is scored on the basis of how the website feels.

What Each Insurer Publishes in English

Every row checked on the insurer’s own website, retrieved 4 October 2026. “Not confirmed” means we could not find it stated on the insurer’s site, not that it does not exist — ask the insurer directly before you rely on it.

Zilveren Kruis: Conditions, Forms and Translated Letters

Zilveren Kruis puts the policy conditions themselves in English, and adds more around them than most. Its English downloads page carries condition documents for 2026, 2025, 2024 and 2023, plus English application forms for basic and supplementary cover and an English claim form for medical treatment abroad.

It is also open about the limit. The site states that nearly all letters and policy documents are in Dutch, and it responds to that by publishing translated examples of its standard letters — policy documents (POL1 to POL7), claims overviews, reminders, payment plans and more — so you can identify which letter has landed on your doormat and what it wants from you. Several linked tools are marked “in Dutch only”, and the Mijn Zilveren Kruis portal is described as Dutch only while the app is available in English.

Contact runs through 071 751 00 51, Monday to Friday 08:00 to 20:00, with chat in the app.

a.s.r.: Upfront About the Dutch Post

a.s.r. takes the opposite approach and says the quiet part on the page: “At a.s.r. all correspondence is in Dutch.” In the same breath it states that all of its healthcare advisers are able and willing to answer questions and information requests in English, and it points to its document page, which has an “English documents” section (asr.nl/health-insurance, retrieved 4 October 2026). There you find English terms and conditions 2026 for Bewuste Keuze, Ruime Keuze, Eigen Keuze and Doorgaan, the supplementary insurance and coverage overviews, and for Ik kies zelf van a.s.r. (formerly Ditzo) terms and conditions for Eigen, Goede, Juiste and Vrije Keuze (asr.nl/verzekeringen/zorgverzekering/documenten, retrieved 4 October 2026).

a.s.r. also runs an English “how to apply” page and explains what it needs from an arriving international: for an expat, a copy of the front and back of the residence permit and an employer contract or recent payslip stating the starting date of employment. The old ditzo.nl expat address now forwards to a Dutch-language a.s.r. health-insurance page. Plan on Dutch correspondence, with the English arriving through a person and the conditions document rather than through the post.

If you want an insurer that tells you upfront where the English stops rather than discovering it in month three, that framing is worth something.

See what a.s.r. publishes for international customers

Anderzorg: English Conditions, a Thin English Site

Anderzorg has a thin English shopfront — the English option sits in the menu rather than as a full site section — yet it publishes English terms and conditions for 2026, with a table of contents, covering the basic insurance and the Buitenland, Extra, Fysiotherapie and Tand modules, alongside English editions for earlier years.

It also publishes an English claim form for healthcare costs incurred abroad, and its Alarmcentrale for urgent help abroad is reachable at +31 317 455 555.

What we could not confirm: an English app, an English portal, or an English-language phone line. So the reading material is there and the service layer is unproven. We look at Anderzorg’s trade-offs in more depth in the budget insurers comparison.

VGZ, CZ and Menzis: English Sections and English Conditions

VGZ runs an extensive English site section, including a “need to know” explainer and a “report a change” page. Its service page states English-speaking representatives are available, gives 0900-84 90 for domestic calls (Monday to Friday 09:00 to 17:00) and +31 24 32 97 641 from abroad (Monday to Friday 09:00 to 18:00, Saturday 09:30 to 13:00), and notes that the chatbot is currently Dutch only. Its English documents page lists English policy conditions for 2026 (VGZ Basis Keuze, Ruime Keuze, Eigen Keuze and the supplementary policies) and for each year back to 2022.

CZ presents an English site with the My CZ portal and the CZ app, and gives +31 88 555 77 77 for Monday to Friday 08:00 to 17:30. Its English terms-and-conditions page carries the 2026 conditions for the Zorg-op-maatpolis, Zorgbewustpolis and Zorgvariatiepolis and for its supplementary and dental policies (cz.nl/en/vergoedingen/voorwaarden/individueel, retrieved 4 October 2026).

Menzis maintains /englishwebsite with English pages on insurance options, the deductible, claims and the EHIC, and gives 088 - 222 4040 for Monday to Friday 08:00 to 18:00. Its English contact page directs you to the Dutch site to chat with the chatbot, and marks several features “in Dutch only”. Its English forms-and-documents page carries terms and conditions 2026 for its basic policies (Basis Voordelig, Basis, Basis Vrij), an English application form for health insurance when living abroad, and an Overall Reimbursement Guide 2026 (menzis.nl/englishwebsite/service-and-contact/forms-and-documents, retrieved 4 October 2026).

DSW and FBTO

DSW has an English customer-service page that opens with “You can contact us even if you don’t speak Dutch”. It marks the reimbursement overview and its care-provider finder as Dutch, promotes the DSW app, and publishes 010 - 2 466 466 for Monday to Friday 08:00 to 17:30, plus live chat and a contact form. It asks you to have your insured number to hand, or your IBAN if you want to sign up. We cover the rest of its offer in the DSW review.

FBTO is the outlier. On 4 October 2026 we found no English section on fbto.nl. It does issue an English insurance declaration (“Engelse verklaring”) for travel and visa purposes, requested via chat, and its Alarmcentrale abroad is reachable 24/7 on +31 (0)58 234 56 50, but the insurance itself is documented and sold in Dutch.

The Fear Worth Addressing: What Happens When Something Goes Wrong

The moment English service actually matters is not sign-up. It is a rejected claim, a payment reminder, or a letter saying your supplementary cover has changed.

Three practical protections, none of which depend on your insurer:

• Ask for the decision in writing and ask which article of the policy conditions it rests on. That turns a phone conversation into something you can check against a document — which is why an English set of conditions is more valuable than an English homepage.
• Use the complaints procedure. Insurers run a complaints procedure, with an independent dispute route behind it. Some of these procedure pages are Dutch only (Zilveren Kruis marks “File a complaint” as Dutch only), so expect to need a translation tool or help.
• Keep the Dutch letter. Do not throw away the original after translating it; the Dutch text is what the insurer will refer to.

If you are still deciding between insurers rather than fighting one, the comparison of Dutch health insurance plans covers cover and price, and the step-by-step switching guide covers the mechanics of moving. If you have just arrived or are about to leave, the timing rules are different and are set out in our mid-year arrival and departure guide.

What This Does Not Tell You

Two limits are worth stating plainly.

First, this compares published service. An insurer whose site says nothing about English may still put a fluent person on the phone within ten seconds; we have no way to demonstrate that from the outside, and we have not tested any of these lines.

Second, none of this touches price or cover. The basic package is fixed by law and identical everywhere, so English service tells you nothing about whether a policy is right for you — only about how painful the admin will be. Read the policy-reading guide before you let a language preference override a network or a deductible arrangement.

Final thoughts

Do the check yourself before the switching season closes: open the insurer’s download page, find next year’s policy conditions, and see whether an English version exists. That single page tells you more than any marketing section.

Then note the phone number and the hours somewhere you will find them again, because the call you will need to make is the one about a letter you cannot read, and it will happen on a Tuesday afternoon in February.

Sources: asr.nl, ditzo.nl, anderzorg.nl and voorwaarden.anderzorg.nl, zilverenkruis.nl, vgz.nl, cz.nl, menzis.nl, dsw.nl and fbto.nl — all retrieved 4 October 2026. Insurers update their service and download pages for the new policy year, so verify anything above against the insurer’s own site before you rely on it. This is editorial analysis of publicly published information, not insurance advice.