VGZ group health insurance
What is it?
The municipality of Kerkrade attaches great importance to the health of its residents and good health insurance is part of this. Together with VGZ, the municipality has therefore put together a special health insurance policy for Kerkrade residents with a lower income.
How does it work?
Choose the health insurance that suits you best
You can choose between the comprehensive VGZ Zuid-Limburg package or the VGZ Zuid-Limburg package Compact.
- VGZ Zuid-Limburg package
Do you need Health on a regular basis? Then the VGZ Zuid-Limburg package suits you well. It offers ample reimbursements, such as for glasses, contact lenses, dental care, orthodontics and physiotherapy. The deductible is fully covered, so you won't have any unexpected costs. - VGZ Zuid-Limburg package Compact
Do you incur few healthcare expenses and do not expect to use the deductible much, if at all? Then the Compact package is a good choice. You pay less premium, but are still well insured. The reimbursements are more limited and lower, and the deductible is not covered. You will have to pay any costs for this yourself.
How can you apply for group health insurance?
Visit www.vgz.nl/zuidlimburg for more information. Here you can apply for insurance, compare premiums and reimbursements, see if you qualify and switch packages. Are you not yet insured with VGZ? Then you can switch between November 13 and December 31, 2025.
Requirements group health insurance
- You are 18 years of age or older
- You live in the municipality of Kerkrade
- You (along with your partner) have a net income
- You (together with your partner) do not have more assets than allowed.
What is 150% of the welfare standard?
The amounts (net) below are 150% of the January 1, 2025 welfare standard including vacation pay.
| Living Form | maximum monthly income with vacation pay |
| You are single from age 21 to retirement age | € 2.018 |
| You are a single parent from age 21 to retirement age | € 2.018 |
| You are married or cohabiting from age 21 to retirement age | € 2.883 |
| You are single and retired | € 2.252 |
| You are married or cohabiting and retired | € 3.080 |
* These amounts are rounded up in whole Euros.
Municipal contribution
The Municipality of Kerkrade can I certain cases give an annual contribution to the premium.
- For the VGZ Zuid-Limburg package: €180 per calendar year per adult
- For the VGZ Zuid-Limburgpakket Compact: € 90,- euro per calendar year per adult
How can I apply for a municipal contribution?
Do you meet the Requirements? Then you can apply for the contribution for calendar year 2025 from February 1 to December 31 using the digital form 'Application form for collective health insurance VGZ Zuid Limburg'. Would you rather print and complete the application form? Download the form at the bottom of this page or pick it up at:
- The Town Office, Markt 33, Kerkrade
- The Geldwijzerwinkel, Martin Buberplein 21, Kerkrade
- The Kerkrade Client Council in the Flexiforum, Spekhofstraat 15, Kerkrade
Requirements municipal contribution
- Your income does not exceed 110% of the welfare standard applicable to you
- You have to pay your premium to VGZ every month. If you have payment problems, you can make a payment arrangement with VGZ. Do you have a payment arrangement? Then the supplementary insurance will continue.
Additional information
Click below for a video about the VGZ South Limburg package.
Every year you can switch to a different health insurance. You can do this until December 31 at the latest. Be well informed about the Health you get within your insurance. It is worth reviewing this every year, this can save you money.