Leading health insurance companies based on revenue in Netherlands 2022

Which Dutch health insurance companies are the biggest? In 2022, Zilveren Kruis topped the ranking for gross premiums written due to medical expense insurances in the Netherlands, with a revenue of around 10.6 billion euros. Dutch insurance companies, however, are often part of a larger conern, or group. The five companies Achmea Zorgverzekeringen, De Friesland Zorgverzekeraar N.V., FBTO Zorgverzekering N.V. and Interpolis Zorgverzekeringen, for example, are all part of the concern Achmea. This health insurance concern had a market share almost 30 percent in the Netherlands in 2022. Both the state and the private market are behind basic health insurance in the Netherlands It is mandatory for Dutch residents or employees to have a basic health insurance. The Dutch government decides yearly on the contents of this basic package which is then offered by the health insurance companies. This package is the same for all companies and the companies are obliged to accept anyone who meets its requirements, regardless of age or medical history. Dutch citizens can then switch between health insurers at the end of every year (for example, if they believe they can get the same package elsewhere at a cheaper price). The idea behind this system is two-fold. First, the government hopes that free market competition curbs increasing health costs (as companies strive to make healthcare as affordable as possible in order to attract more customers). Second, the system is meant to show Dutch citizens how expensive healthcare is. The topic of healthcare expenses is so important to the Dutch that one particular element of the basic health insurance, the so-called mandatory excess or verplicht eigen risico, is widely considered to influence voting behavior during national elections. On concerns, companies, brands and products As of 2022, the Netherlands had 10 health insurance concerns and roughly 35 companies. The companies use brands with which they can offer between one to four types of health insurance products, or policies (in Dutch: polissen) for the basic insurance. These all offer the same basic healthcare (as required by the government) but with varying price ranges. Supplementary (or aanvullende) health insurances are also available, but the contents of these can be decided by the health insurance companies themselves. This ranking includes several of these supplementary insurances.

何为荷兰最大的健康保险公司？2022年，因其在荷兰医疗费用保险领域的总保费收入约为106亿欧元，Zilveren Kruis荣登榜首。然而，荷兰的保险公司往往隶属于更大的企业或集团。例如，Achmea Zorgverzekeringen、De Friesland Zorgverzekeraar N.V.、FBTO Zorgverzekering N.V.和Interpolis Zorgverzekeringen等五家公司均属于Achmea集团。该健康保险公司2022年在荷兰的市场份额接近30%。在荷兰，国家与私营市场共同支撑着基本医疗保险。荷兰居民或雇员必须拥有基本医疗保险，这是强制性的。荷兰政府每年决定基本保险包的内容，随后由健康保险公司提供。该保险包对所有公司而言均相同，且公司有义务接纳满足其要求的所有人，无论年龄或医疗史如何。荷兰公民可以在每年年底（例如，如果他们相信在其他地方以更低的价格可以获得相同的保险包）在健康保险公司之间进行切换。这一系统的理念具有双重性。首先，政府期望自由市场竞争能够遏制不断上升的医疗费用（因为公司为了吸引更多客户，努力使医疗服务尽可能廉价）。其次，该系统旨在向荷兰公民展示医疗保健的昂贵程度。在医疗费用问题上，荷兰人尤为重视，因此基本医疗保险中的一个特定元素——所谓的强制自付额（verplicht eigen risico）——被广泛认为会影响国家选举期间的投票行为。至于企业、品牌和产品，截至2022年，荷兰有10家健康保险公司和大约35家公司。这些公司使用品牌提供一到四种健康保险产品或政策（荷兰语：polissen），用于基本保险。这些产品均提供相同的政府要求的基本医疗服务，但价格区间各异。此外，还有补充性（或aanvullende）健康保险，但此类保险的内容可由健康保险公司自行决定。此排名包括这些补充性保险中的几项。