Market share of health insurance groups in the Netherlands 2006-2024

In 2024, the biggest health insurance group in the Netherlands, Achmea, grew its market share, whereas its two closest competitors - VGZ and CZ - both relinquished one percent of the market. Insurance groups are known as "concerns" in the Netherlands. Note that this wording of concern matters a lot for Dutch healthcare. In the Netherlands, there are 10 large healthcare insurance concerns, each with multiple companies. The concern Achmea, for example, owns the following companies (commonly referred to as zorgverzekeraars: Agis Zorgverzekeringen, Avero Achmea Zorgverzekering, FBTO, Groene Land Interpolis Zorgverzekeringen, OZF Zorgverzekeringen, De Friesland, and Zilveren Kruis Zorgverzekeringen). In addition, some of these companies also own multiple health insurance brands or labels. To stick to the example of Achmea, this concern owned six companies but also the labels of ZieZo and Pro Life, which belong to Zilveren Kruis. In total, the 10 concerns were responsible for a total of 34 companies or health insurance brands. How common is switching health insurance provider in the Netherlands?It is allowed in the Netherlands to cancel one's basic health insurance and change insurance companies every year until the 31st of December. When individuals end their contract before the end of December, their contract will end as of January 1st. They can then choose a new health insurance company before February 1st. In 2023/24, the share of individuals who switched health insurance companies exceeded a value of approximately seven percent.

于2024年，荷兰最大的健康保险公司阿赫玛（Achmea）扩大了其市场份额，而其两大主要竞争对手——VGZ和CZ——均丧失了百分之一的市占率。在荷兰，保险公司被称为“concerns”。值得注意的是，这一表述对于荷兰医疗保健体系至关重要。荷兰拥有10家大型医疗保健保险公司，每家均拥有多家子公司。以阿赫玛为例，该公司旗下拥有以下公司（通常被称为zorgverzekeraars：Agis Zorgverzekeringen、Avero Achmea Zorgverzekering、FBTO、Groene Land Interpolis Zorgverzekeringen、OZF Zorgverzekeringen、De Friesland以及Zilveren Kruis Zorgverzekeringen）。此外，这些公司中的一些还拥有多个健康保险品牌或标签。以阿赫玛为例，该公司拥有六家子公司，同时也拥有ZieZo和Pro Life这两个品牌，它们隶属于Zilveren Kruis。总计，这10家concerns共负责34家公司或健康保险品牌。在荷兰，更换健康保险公司的情况普遍吗？荷兰允许个人每年至12月31日取消基本健康保险并更换保险公司。当个人在12月31日之前终止合同时，其合同将于次年的1月1日终止。他们可以在2月1日之前选择新的健康保险公司。在2023/24年度，更换健康保险公司的个人比例超过了约七个百分点。