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Cancel ZILVEREN KRUIS online
Cancellation service #1 in New Zealand
4.9Calculated on 5.6K reviews
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Zilveren Kruis service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Zilveren Kruis: Easy Method
What is Zilveren Kruis
Overview
Zilveren Kruis is a Dutch health insurer that provides basic and supplementary health insurance and digital tools to manage claims and cards.
The insurer operates primarily in the Netherlands; its mobile app is a free portal for policy management, not a paid subscription.
Role and services
Zilveren Kruis handles policy administration, reimbursements and customer support for its insured members.
Its online services include Mijn Zilveren Kruis (customer portal), an app for claims and cards, and phone and postal contact options.
How to cancel Zilveren Kruis
Primary cancellation channels
- Mijn Zilveren Kruis (online account) - recommended for speed and confirmation.
- By letter - send a signed cancellation to the insurer’s postal address (see Address section).
- By phone - contact customer service to request cancellation; follow up in writing if required.
Timing, deadlines and mid‑year reasons
- Basic insurance: cancellation must be received by 31 December to take effect 1 January.
- Supplementary insurance: cancel by 31 January for changes effective the next year.
- Mid‑year cancellation is possible for specific reasons (moving abroad, death, change of employer, policy term changes, etc.). See the insurer’s terms for qualifying reasons: terms and conditions.
- You cannot cancel insurance via the App Store/Google Play because the app is a free portal: Zilveren Kruis app (NZ App Store).
What happens when you cancel
Coverage and access
Your coverage ends on the cancellation date specified or when the insurer confirms termination according to the applicable deadline.
If you cancel at year end, coverage typically continues until 31 December, unless you specify a different effective date allowed by rules.
Records, renewals and communications
Zilveren Kruis will keep administrative records of your policy and cancellation for regulatory and accounting purposes.
Always obtain written confirmation (email or letter) of the cancellation and keep it with your records for proof of termination.
Will I get a refund?
14‑day right of withdrawal
If you newly took a basic insurance policy, Zilveren Kruis allows a 14‑day withdrawal (herroepingsrecht) after receiving your policy sheet.
- Use Mijn Zilveren Kruis, a written letter, or phone to withdraw.
- You will receive a refund of premiums paid, but any reimbursed healthcare costs must be repaid to the insurer.
- See the insurer’s terms for details: terms and conditions.
Refunds on early cancellation
If you cancel mid‑year for permitted reasons (e.g., moving abroad, employer change, policy changes), premiums or excess amounts may be proportionally refunded.
- Refund amounts depend on timing and whether claims were already reimbursed by the insurer.
- Contact customer service to request calculation and timing of any refund: mid‑year cancellation info.
Zilveren Kruis plans and pricing
App and digital access
The Zilveren Kruis mobile app is free to download and use in the New Zealand App Store; it is a portal for managing insurance services.
There is no app subscription charged via App Store/Google Play for the insurer’s services.
Pricing table
| Plan | Price | Period | Features |
|---|---|---|---|
| Zilveren Kruis app (New Zealand App Store) | Free (NZ$0.00) | Download/Usage | Access to claims, insurance card, reimbursements; no subscription cost |
Your consumer rights in New Zealand
Key laws and protections
In New Zealand, general consumer protections include the Consumer Guarantees Act and the Fair Trading Act for goods and services.
These laws cover misleading conduct and basic guarantees of service quality, but financial and insurance disputes may have specific pathways.
Complaint and dispute options
If you need to escalate a complaint from New Zealand, consider contacting New Zealand regulators such as the Financial Markets Authority for guidance.
Also check whether your insurer participates in an external dispute resolution scheme; confirm the scheme and procedure with Zilveren Kruis when lodging a complaint.
Customer experiences
Positive feedback
Some customers report responsive customer support and convenient digital tools for tracking costs and claims.
Several reviews note smooth service and reliable coverage in recent consumer review sites.
Negative feedback
Public reviews also report issues such as reimbursement delays, claim refusals, and difficulties cancelling in some cases.
Common complaints include unclear communications, unexpected charges after switching, and trouble with online cancellation buttons.
Documentation checklist
Required documents
- Policy number and full name of the insured person.
- Signed written cancellation or confirmation via Mijn Zilveren Kruis.
- Reason for cancellation (if cancelling mid‑year for a qualifying reason).
Optional supporting documents
- Proof for mid‑year reasons (e.g., relocation evidence, new employer details, death certificate if applicable).
- Bank details for refund (IBAN/BIC) and a copy of ID if requested for verification.
- Keep copies of correspondence and the insurer’s cancellation confirmation.
Common mistakes
Timing errors
Missing the 31 December deadline for basic insurance is a frequent mistake that delays termination until the following year.
Similarly, failing to cancel supplementary cover by 31 January can result in an unwanted renewal for the year.
Wrong channel and incomplete information
Trying to cancel via the App Store/Google Play or assuming the app cancels coverage leads to confusion - the app is a free management tool only.
Not providing policy number, signature, or required evidence for mid‑year reasons can delay processing or lead to rejection.
Comparative recap
Quick comparison
| Feature | Zilveren Kruis | Notes |
|---|---|---|
| Cancellation channels | Mijn Zilveren Kruis, letter, phone | Online portal is fastest; app is a management tool only |
| Deadlines | Basic: 31 Dec; Supplementary: 31 Jan | Mid‑year exceptions apply for specific reasons |
| Refund policy | 14‑day withdrawal; proportional refunds for permitted mid‑year cancellations | Reimbursed healthcare costs must be repaid if applicable |
| App cost | Free | NZ$0.00 in NZ App Store |
| Customer reviews | Mixed (positive digital tools; some complaints on reimbursements) | Check recent reviews and ask customer service for clarifications |
After cancelling
What to check immediately
Obtain and save written confirmation of the cancellation and the effective end date of coverage.
Monitor your bank account for final premium refunds or unexpected charges and follow up if necessary.
Useful links and next steps
- Zilveren Kruis terms and withdrawal info: terms and conditions
- Mid‑year cancellation information: mid‑year cancellation
- Zilveren Kruis app info (NZ App Store): app listing
Address
Postal address for cancellations
Send written cancellations to the insurer’s primary correspondence address:
Zilveren Kruis Achmea
Postbus 444
2300 AK Leiden
The Netherlands
Where to send and follow up
Use the postal address above for signed cancellation letters; retain proof of posting or use tracked mail for evidence.
If you prefer, cancel via Mijn Zilveren Kruis or phone and request written confirmation to avoid postal delays.
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FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.