Actify - Lifestyle coaching & habit building

Actify serves as your personal lifestyle coach, guiding you to achieve a healthier life by making gradual changes. The effectiveness of adopting small steps for a healthier lifestyle is backed by scientific research! With Actify, you can engage in brief exercises known as 'minis,' allowing you to progress step by step towards a healthier way of living. You’ll cultivate beneficial habits that seamlessly integrate into your daily life. The Actify application offers an array of recipes, workouts, and meditation practices that support your journey toward improved health and vitality. You will experience increased energy and better well-being through enhanced relaxation, improved sleep, healthier eating, or increased physical activity—without the need for strict dieting or frequent gym visits!

Through consistent repetition of minor actions, Actify guides you in adapting to new habits until they become second nature, similar to the routine of brushing your teeth. With Actify at your side, all the resources you require are readily available. Utilizing practical tips, exercise routines, meal ideas, coaching sessions, and mindfulness exercises, you will foster a healthy lifestyle tailored to your needs.

Advance towards your goals at a pace that suits you with Actify. Whether your aim is to enhance relaxation and sleep quality, increase physical activity, or improve your eating habits, your coach will provide suggestions for new practices once you identify a goal. Each habit within the Actify app is formulated based on scientific evidence. It’s interesting to note that studies indicate that achieving a healthier lifestyle becomes simpler and more enjoyable when approached with smaller steps. The key also lies in regular practice; the more frequently you engage in an activity, the more it becomes instinctive. A lifestyle that harmonizes with your daily patterns proves to be more effective than temporary diets or occasional gym attendance. Small steps towards your health goals lead to lasting results!

About Zilveren Kruis

At Zilveren Kruis, we are committed to accessible and affordable healthcare. We pay for care, arrange care, and help you improve your health. We collaborate with healthcare providers, healthcare institutions, municipalities, employers, the government, and you. Because together we can do better.

#ohzitdatzo!

The world of healthcare and insurance is quite complicated. What does my health insurer do? Where can I go? Who pays what? And what's in the newspaper right now? Based on current events or customer questions, we choose a topic. We explain it clearly and factually, so everyone understands.

This is how the premium is structured

Every year, we determine the premium for your health insurance. It's quite complicated, but we're happy to explain it to you. Read on to find out how we do it.

As a resident of the Netherlands, you are required to have basic health insurance. You pay a premium for this. The Ministry of Health, Welfare and Sport (VWS) determines the contents of your basic insurance, and therefore what you are reimbursed for. Basic insurance is the same for everyone. But the premium amount varies per health insurer.

How is the premium for basic health insurance determined?

The government determines a portion

Every year, the government determines a fixed amount that is the same for every health insurer. This is an estimate of all healthcare costs expected in the coming year. The resulting amount per insured person is called the calculated premium. The government announces this premium on Budget Day.

We determine a portion ourselves

Health insurers determine another portion of the premium themselves. This is called the surcharge. Because of this, the premium varies per insurer. In the table (further down this page), we show which costs influence this surcharge.

We determine the premium every year

To determine the premium, we estimate the healthcare costs for our insured persons each year. Just like the government, we also estimate the healthcare costs we expect for the coming year. We also consider the costs of, for example, our customer service and our reserves. We are legally required to have funds available. This is intended to cover healthcare costs if there are suddenly extra costs, for example, due to a disease that occurs in larger numbers than usual (an epidemic). Because healthcare costs rise every year, we also need to maintain more reserves each year. Therefore, we continually estimate the costs. Afterwards, it becomes clear whether those costs were higher or lower than we anticipated. In that case, we have a positive or negative result. A positive result is used to reduce your premium increase, or it goes to reserves, or we invest it in healthcare. A negative result is paid from reserves.