Frequently asked questions

We regularly receive questions about our company and insurance products. Please take a look at the questions below. They may help you find the information you are looking for.

Questions about Achmea

Where is Achmea headquartered?   

Achmea head office is in Zeist, Handelsweg 2, 3707 NH Zeist.

Who is the head of your company?

Bianca Tetteroo is Chair of the Executive Board.

Who is member of the Executive Board?

Bianca Tetteroo, Michel Lamie, Michiel Delfos, Daphne de Kluis, Robert Otto and Lidwien Suur. Read more about the Executive Board.

Is Achmea a listed company?

​No, Achmea is a non-listed company and has a co-operative background.

Where can I find Achmea financial information?

You may find more financial information by viewing our investor relations page.

How many people does Achmea employ worldwide?

We employ some 13,700 staff across the Netherlands and 3,000 elsewhere in Europe.

When was Achmea founded?

Achmea’s roots lie in Achlum 1811. The co-operative principle was vital to the mutual interest of a group of farmers. A number of like-minded insurance companies joined us in the years after.

What is the difference between Achmea insurance group and its brands?

Achmea is the holding company for a group of strong insurance brands. Our business is accepted through our brands, they deal with our customers directly.

Which insurance brands are part of Achmea?

Achmea is active in 6 countries. Learn more about these insurance brands in the other countries we are active in.
Our main Dutch insurance brands are: Centraal Beheer, Interpolis, Zilveren Kruis, FBTO and Avéro Achmea. Also part of Achmea are Eurocross and Hagelunie and ProLife Zorgverzekeringen.

What is Vereniging Achmea?

Vereniging Achmea is the association of Achmea customers and a platform for protection of collective interests of customer members. Vereniging Achmea has two aims:
  1. To safeguard, to the best of its ability, the continuity of Vereniging Achmea and Achmea B.V.

  2. To represent the collective interests of customer members of these companies.

Go to the website of Vereniging Achmea for more information.(Dutch)

I am interested in a career at Achmea. Where do I find job opportunities?

Find out what we can offer you at (Dutch)

How does Achmea protect your privacy?

We take great care in looking after your personal data. Below you may find more information on how we protect your privacy.

Looking after personal data

When you apply for an insurance product or for one of our financial services with one of the Achmea brands, we will ask you for your personal data. For instance: your name, date of birth, contact details, bank account number or your vehicle registration. We use this information in processing your application, entering and carrying out the contract, and managing relationships arising from the contract. In addition, we can use this information for marketing purposes. You may indicate whether you wish to receive this information.
Another important purpose of registering personal data, is guaranteeing security and integrity in the financial sector, in our organization, of our employees and customers, and for conducting statistical analysis. Finally, we also use this information to comply with legislation and regulations.

Legislation and regulations

Within the Achmea Group, we process your personal data in accordance with the Dutch Data Protection Act, Wet bescherming persoonsgegevens (Wbp); the Dutch Code of Conduct for the Processing of Personal Data by Financial Institutions; and the Dutch Code of Conduct for the Processing of Personal Data by Health Insurers. As far as banks, insurers and health insurers are concerned, the regulations in the Data Protection Act are elaborated on in these codes of conduct.
Achmea has registered its personal data processing with the Dutch Data Protection Authority, het College Bescherming Persoonsgegevens (CBP). The registration is published on the website of the CBP’s public registry. You may find this here: public registry --> registry registration --> search --> name --> Achmea.

Processing specific personal data

Due to the nature of services rendered (for health insurance), it is sometimes necessary to process specific personal data, for instance when it concerns medical details. These details will only be given to certain employees who have been assigned with processing personal medical data for specific purposes, e.g. processing of authorization applications, acceptance of complementary insurance, and finding healthcare. These employees are bound by a non-disclosure agreement.
Medical details may only be used for the insurance product for which the details were provided. They may not be passed on or used for other products, in any case, not without explicit permission by the persons concerned.
Disclosure to third parties
In some cases, Achmea is legally bound to disclose information to other organizations. For example: the Dutch Revenue & Customs Service, the office of investigations, the police department and the Dutch Ministry of Justice. Information is always disclosed with great care and only when the request for information is based on legal grounds.

Services provided by third parties

In certain cases we engage the services of other organizations, e.g. collection agencies, specialized agencies. Achmea maintains full responsibility for the processing of personal data, and will safeguard your privacy at all times.

Fraud (prevention)

In order to minimize risks, assess applications, and prevent fraud, Achmea is able to request and register data with the Dutch Central Information System Foundation, Stichting Centraal Informatiesysteem (CIS). This foundation keeps insurance data for, among others, insurance companies operating in the Netherlands. CIS will provide this data to participating members, but only under strict conditions. From the information that CIS collects, insurers are able to track down, prevent and combat the abuse of financial products and services, as well as manage risks more effectively.
In the event of fraud being established, say, when drawing up an insurance contract or when a claim is made or is being processed, we will register this. This is also the case when we establish the abuse or improper use of your insurance. We do this in accordance with the Dutch Protocol Insurers and Crime of the Association of Insurers, and the Dutch Protocol Incident Warning System for Financial Institutions. This data is processed thoroughly by a select group of employees who have signed an additional non-disclosure agreement.

Viewing and changing of data

Everyone has the right to inquire as to which personal data Achmea has processed. We will reply to such inquiries within 4 weeks (this is the legal time span). Any errors in the data known to us may be corrected or removed on request. Such requests may be sent to or Risk & Compliance, Postbus 866, 3700 AW Zeist. 


Do you have any questions on Achmea and privacy? Send an email to, or write to Achmea privacymanager (Risk & Compliance), Postbus 866, 3700 AW Zeist.

How does Achmea set forth its principles and standards on remuneration?

We believe that effective compensation attracts and retains talented employees. Do you wish to learn more about our remuneration policy? View our remuneration report

What is Achmea's public affairs policy?

Achmea has policies in place with regard to ethics and transparency in its public affairs activities. This pertains both to ‘direct’ lobbying for a specific cause as well as to ‘indirect’ lobbying – managing its relationship with external stakeholders in a more general or broader setting.
Transparency applies to lobbying activities undertaken by company representatives, as well as by representatives of trade associations or specialized public affairs agencies contracted by Achmea. Both Achmea and the trade associations and external agencies are duly registered in the EU’s transparency register.
Achmea provides (modest) financial support to a limited number of not-for-profit think tanks or foundations operating in the (international) public domain, as well as to one University chair in Public Affairs . Achmea’s membership or sponsorship is always fully disclosed . Achmea does not provide financial support to political parties or political interest groups.

Achmea’s lobbying activities are in line with internationally recognized principles of Corporate Social Responsibility (UN Global Compact, OECD Guidelines, ILO) and with Achmea’s own internal policies . Staff involved in lobbying activities is encouraged  to join the Dutch professional organization for Public Affairs (BVPA). BVPA has a code of conduct in place with disciplinary proceedings in case of non-adherence.

Achmea has a keen interest in the development of rules and regulations pertaining to the financial sector as well as to the health (insurance) sector, including supervision and rule enforcement; . Achmea’s ‘four stakeholder model’  – in which the interests of its insured take first place - provides a clear compass for interest articulation and interest representation. Achmea is an active participant in two trade organizations: Verbond van Verzekeraars (Dutch Association of Insurers) and Zorgverzekeraars Nederlands (Dutch Association of Health Insurers), as well as in VNO/NCW, the Confederation of Netherlands Industry and Employers. Internationally, Achmea is affiliated - directly or indirectly - with trade organizations like the Brussels based Insurance Europe, AMICE and AIM , as well as Business Europe . In addition, Achmea maintains contacts with representatives from government and politics, intermediary organizations, think tanks, patients associations and other interest groups.

Achmea endeavours  to be actively involved In the debate about the development of the Dutch society at large and – in doing so – to draw on the practical experiences gained while serving its clients. In Achmea’s view better regulation and better governance in the financial and health sectors can only be achieved if policy makers acquire a thorough grasp of the (potential) consequences of measures to be taken .
Achmea’s lobbying activities are reviewed by the company’s Executive Board on a regular basis.

More information and contact:

How do I get in touch with Achmea?

If you are a journalist you can contact a member of our media relations team. Are you a customer or consumer? Or do you have an inquiry about one of our insurance products? Please explore the questions below about health insurances, general (non-life) insurances or pensions for relevant contact details.