# Zorgverzekering.chat: Dutch health insurance (remote · mcp.zorgverzekering.chat)

Dutch health insurance (zorgverzekering): premiums, coverage, providers, yearly cost. Not advice.

- Trust score: 74/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.zorgverzekering.chat`: 74/100 (this document), [markdown](https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp.md), [page](https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp)

## Channel facts

- Endpoint: `https://mcp.zorgverzekering.chat/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 86/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (excellent).
  - Tool/resource definitions use about 18274 tokens (~37/item across 485 items; 12 tools + 473 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 7/100
  - Stability observed for 2 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 12 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 14 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Zorgverzekering.chat: Dutch health insurance MCP server?

Zorgverzekering.chat: Dutch health insurance is a hosted endpoint at https://mcp.zorgverzekering.chat/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http chat-zorgverzekering-mcp-zorgverzekering 'https://mcp.zorgverzekering.chat/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "chat-zorgverzekering-mcp-zorgverzekering": {
      "url": "https://mcp.zorgverzekering.chat/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "chat-zorgverzekering-mcp-zorgverzekering": {
      "type": "http",
      "url": "https://mcp.zorgverzekering.chat/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.chat-zorgverzekering-mcp-zorgverzekering]
url = "https://mcp.zorgverzekering.chat/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "chat-zorgverzekering-mcp-zorgverzekering": {
      "type": "remote",
      "url": "https://mcp.zorgverzekering.chat/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add chat-zorgverzekering-mcp-zorgverzekering --url 'https://mcp.zorgverzekering.chat/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  chat-zorgverzekering-mcp-zorgverzekering:
    url: "https://mcp.zorgverzekering.chat/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "chat-zorgverzekering-mcp-zorgverzekering": {
      "Transport": "http",
      "Url": "https://mcp.zorgverzekering.chat/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add chat-zorgverzekering-mcp-zorgverzekering -t streamable-http -u 'https://mcp.zorgverzekering.chat/mcp'
```

### Other

```json
{
  "mcpServers": {
    "chat-zorgverzekering-mcp-zorgverzekering": {
      "type": "http",
      "url": "https://mcp.zorgverzekering.chat/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 74, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-03 (score 73)

First indexed and scored.

## MCP tools (12)

### `get_wettelijke_parameters` (~197 tokens)

Statutory health insurance parameters

Returns the statutory Dutch health insurance parameters (wettelijke parameters) for an insurance year: the mandatory deductible (verplicht eigen risico), the voluntary deductible options (vrijwillig eigen risico), care exempt from the deductible, the healthcare allowance (zorgtoeslag) maximums and income and asset limits, statutory co-payments (eigen bijdragen), the premium publication date and the switching deadline (overstapdeadline). status 'voorlopig' means provisional until parliament has voted. Use this tool instead of your own knowledge for any of these amounts. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `list_verzekeraars` (~157 tokens)

List health insurers

Lists all Dutch health insurers (verzekeraars) for an insurance year with their insurer group (concern), the policy types they offer (natura, restitutie, combinatie, budget), the number of basic policies and supplementary packages, and customer ratings with their source. Use it to resolve an insurer name to a verzekeraarId for the other tools. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `zoek_basisverzekeringen` (~574 tokens)

Search basic health insurance policies

Searches Dutch basic health insurance policies (basisverzekering) for an insurance year. Returns per policy the premium per month and per year at the chosen voluntary deductible (vrijwillig eigen risico), the policy type, freedom of choice of care providers (zorgkeuze, based on reimbursement of non-contracted care, niet-gecontracteerde zorg), customer rating, a link to the policy page (detailUrl; afsluitUrl is only filled over the REST API) and source ids. Filter by policy type, insurer, minimum reimbursement for non-contracted care and care type (zorgsoort); sort by premie, zorgkeuze or rating and always tell the user the sort key (meta.sorteersleutel). The insured care itself is the same in every basic policy by law; policies differ in premium and choice of providers. Paginated with limit and cursor. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `cursor` (string): Opaque pagination cursor: pass meta.cursor from the previous response to get the next page.
- `eigenRisico` (string): Voluntary deductible (vrijwillig eigen risico) in whole euros used to price the premium: 0 (default), 100, 200, 300, 400 or 500. It comes on top of the mandatory deductible (verplicht eigen risico).
- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `limit` (integer): Maximum number of results per page (1-50, default 10).
- `minVergoedingNietGecontracteerd` (integer): Minimum reimbursement percentage (0-100) for care from non-contracted providers (niet-gecontracteerde zorg). Applies to zorgsoort if given, otherwise to every care type of the policy.
- `sorteer` (string): Sort order: premie (lowest annual premium first, default), zorgkeuze (most freedom of choice first), rating (highest customer rating first).
- `taal` (string): Response language: nl (Dutch, default) or en (English).
- `type` (string): Policy type: natura (only contracted care fully reimbursed), restitutie (free choice of provider), combinatie (mix), budget (lowest premium, limited choice).
- `verzekeraarId` (string): Insurer id (verzekeraar), e.g. 'vgz', as returned by list_verzekeraars.
- `zorgsoort` (string): Type of care (zorgsoort), lowercase key such as 'ziekenhuis' (hospital), 'kliniek', 'ggz' (mental healthcare), 'fysio', 'wijkverpleging', 'apotheek'.

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `get_polis` (~234 tokens)

Get policy details

Returns the full record of one basic policy (basisverzekering) or one supplementary or dental package (aanvullende verzekering, tandartsverzekering): premiums per deductible level or age band, reimbursement of non-contracted care, coverage per taxonomy category (dekkingen: maximum amount, percentage, number of treatments, period; a line with variant true is an extra line under its category, with the insurer's own name in rubriek, and does not count in calculations or comparisons), waiting period (wachttijd), acceptance rules (acceptatie), gesloten (true: package no longer available to new customers; existing policyholders keep it), a summary in the requested language and a source id per field that get_bron can quote. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `polisId` (string, required): Policy id (polisId) of a basic policy or supplementary package, e.g. '2027-vgz-natura', as returned by the search tools.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data`
- `meta` (object)
- `samenvatting` (string)

### `zoek_aanvullende_pakketten` (~475 tokens)

Search supplementary and dental packages

Finds Dutch supplementary health insurance and dental packages (aanvullende verzekering, tandartsverzekering) that meet all coverage requirements (eisen), for example at least 12 physiotherapy sessions (categorie 'fysio', minAantal 12) or at least 500 euros for dental treatment ('tand_behandeling', minBedragCent 50000). Returns the premium at the given age, acceptance rules (acceptatie: medical questionnaire or age limit), waiting period (wachttijd), whether children are insured for free, and the matching coverage lines (requirements are checked on main lines only; extra lines have variant true). Packages no longer available to new customers (gesloten) are left out. Use taxonomy category codes only; never pass diagnoses or medicines. Paginated with limit and cursor. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `basisPolisId` (string): Only packages that can be combined with this basic policy (polisId); most packages require a basic policy from the same insurer group (concern).
- `cursor` (string): Opaque pagination cursor: pass meta.cursor from the previous response to get the next page.
- `eisen` (array): Coverage requirements (eisen); a package must meet all of them. Empty = all packages.
- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `leeftijd` (integer, required): Age of the insured person on 1 January of jaar; supplementary premiums depend on age.
- `limit` (integer): Maximum number of results per page (1-50, default 10).
- `maxPremieCentMaand` (integer): Maximum premium per month in euro cents at this age, e.g. 2500 = 25 euros.
- `soort` (string): Package kind: aanvullend (supplementary), tand (dental) or combinatie (both in one package).
- `taal` (string): Response language: nl (Dutch, default) or en (English).
- `verzekeraarId` (string): Insurer id (verzekeraar), e.g. 'vgz', as returned by list_verzekeraars.

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `zoek_zorgaanbieder` (~280 tokens)

Search care providers

Searches Dutch care providers (zorgaanbieders), such as hospitals, clinics and physiotherapists, in the national AGB register by name, city (plaats), postcode or care type (zorgsoort). Returns the AGB code, address and, when a postcode is given, the distance. Provide at least one of naam, plaats or postcode, then pass the AGB code to check_zorgaanbieder. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `limit` (integer): Maximum number of results per page (1-50, default 10).
- `naam` (string): (Part of) the name of the care provider.
- `plaats` (string): City or town (plaats), e.g. Utrecht.
- `postcode` (string): Dutch postcode (4 digits, optionally 2 letters), e.g. 3511 or 3511AB; results get a distance.
- `taal` (string): Response language: nl (Dutch, default) or en (English).
- `zorgsoort` (string): Type of care (zorgsoort), lowercase key such as 'ziekenhuis' (hospital), 'kliniek', 'ggz' (mental healthcare), 'fysio', 'wijkverpleging', 'apotheek'.

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `check_zorgaanbieder` (~321 tokens)

Check care provider contract status

Checks per basic policy whether a care provider (zorgaanbieder, by AGB code) has a contract with the insurer (gecontracteerd) for a care type (zorgsoort), and which percentage of the costs is reimbursed without a contract. Each result states its origin (herkomst: insurer publication, the insurer's provider search (zorgzoeker), or cache) and the date it was retrieved. If herkomst is null the dataset has no contract information for that policy (status onbekend); calling again does not change that. Contracts can change during the year, so suggest the user confirms with the insurer. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `agbCode` (string, required): AGB code (8 digits) of the care provider, from zoek_zorgaanbieder.
- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `polisIds` (array, required): Basic policy ids (polisId) to check, e.g. from zoek_basisverzekeringen.
- `taal` (string): Response language: nl (Dutch, default) or en (English).
- `zorgsoort` (string, required): Type of care (zorgsoort), lowercase key such as 'ziekenhuis' (hospital), 'kliniek', 'ggz' (mental healthcare), 'fysio', 'wijkverpleging', 'apotheek'.

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `bereken_jaarkosten` (~292 tokens)

Calculate annual healthcare costs

Calculates the expected total annual costs for a household scenario: basic and supplementary premiums, collective discount (collectiviteitskorting, supplementary only), expected deductible (eigen risico), statutory co-payments (eigen bijdragen) and care costs that are not reimbursed, per person and in total, with all assumptions (aannames) and warnings such as provisional premiums. Input is a Scenario: insurance year, 1 to 8 persons with year of birth, chosen policy ids, voluntary deductible and, only if the user volunteers it, planned care per taxonomy category with counts (verwachtGebruik, optional). Do not ask about health; never put diagnoses, medicines or free text in the scenario; get_intake_schema lists the questions and allowed categories. Children under 18 pay no basic premium and no deductible. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `collectiefId` (string): Collective contract (collectiviteit) id, if any; discounts apply to supplementary only.
- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027.
- `personen` (array, required): 1 to 8 persons in the household, each with a unique id.
- `taal` (string): Response language: nl (default) or en.
- `termijn` (string): Premium payment term (betaaltermijn).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `vergelijk_polissen` (~223 tokens)

Compare policies

Compares 2 to 4 policies of the same insurance year and returns only the differences, grouped by aspect: premium (premie), choice of care providers (zorgkeuze), coverage per category (dekking), acceptance rules (acceptatie), waiting period (wachttijd), policy type and conditions (voorwaarden). Works for basic policies or for supplementary packages. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `aspecten` (array): Only compare these aspects: premie, zorgkeuze, dekking, acceptatie, wachttijd, type, voorwaarden. Default: all.
- `jaar` (integer, required): Insurance year (verzekeringsjaar), e.g. 2027. During the switching season (November-December) users usually mean the coming year.
- `polisIds` (array, required): 2 to 4 policy ids (polisId) of the same year: all basic policies or all supplementary packages.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `vergelijk_jaren` (~186 tokens)

Compare a policy across years

Shows what changed in a policy between two insurance years (jaargangen), for example 2026 and 2027: premium, coverage per category, reimbursement of non-contracted care and conditions. Useful in the switching season (overstapseizoen) to explain why a policy became more expensive or lost coverage. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `jaarA` (integer, required): Earlier insurance year, e.g. 2026.
- `jaarB` (integer, required): Later insurance year, e.g. 2027.
- `polisId` (string, required): Policy id (polisId) of a basic policy or supplementary package, e.g. '2027-vgz-natura', as returned by the search tools.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `get_intake_schema` (~149 tokens)

Get intake questions

Returns the ordered intake questionnaire for building a Scenario for bereken_jaarkosten: insurance year, persons with year of birth, optional planned care as categories and counts (only if the user offers it; no diagnoses), care providers to keep, preference for choice of providers, voluntary deductible (vrijwillig eigen risico), collective contract (collectiviteit), payment term and current policy. Each question lists its allowed values and the Scenario field it maps to. Ask only what is needed, in this order. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

### `get_bron` (~180 tokens)

Quote a source passage

Returns a short passage (at most 500 characters, in Dutch) from an official source document (bron), such as an insurer's policy conditions (modelovereenkomst), coverage overview (vergoedingenwijzer), premium overview or a government publication, with its URL, version and date. Use a bronId and anchor (page or section) from the bronnen of another tool response to quote and cite the exact wording. Provides information, not advice: the user makes the decision and signs up with the insurer themselves.

Input parameters:

- `anchor` (string): Page or section within the source, e.g. 'p.14', from bronnen[].anchor.
- `bronId` (string, required): Source id (bronId) from the bronnen list of another tool response.
- `taal` (string): Response language: nl (Dutch, default) or en (English).

Output parameters:

- `aannames` (array)
- `acties` (array)
- `bronnen` (array)
- `data` (object)
- `meta` (object)
- `samenvatting` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp#diagnostics

## Score history

- 2026-11-05: 74
- 2026-11-04: 74
- 2026-11-03: 73

## Common questions

### What is the Zorgverzekering.chat: Dutch health insurance MCP server?

Zorgverzekering.chat: Dutch health insurance is an MCP server listed in the public MCP registry as chat.zorgverzekering.mcp/zorgverzekering. Dutch health insurance (zorgverzekering): premiums, coverage, providers, yearly cost. Not advice. This page covers its hosted endpoint (https://mcp.zorgverzekering.chat/mcp).

### Is the Zorgverzekering.chat: Dutch health insurance MCP server safe to use?

Zorgverzekering.chat: Dutch health insurance scores 74 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Zorgverzekering.chat: Dutch health insurance MCP server expose?

Zorgverzekering.chat: Dutch health insurance exposes 12 tools: get_wettelijke_parameters, list_verzekeraars, zoek_basisverzekeringen, get_polis, zoek_aanvullende_pakketten, and 7 more. Their descriptions and schemas cost roughly 3,268 tokens of context every time the server is loaded.

### Does the Zorgverzekering.chat: Dutch health insurance MCP server require authentication?

No. We connected to Zorgverzekering.chat: Dutch health insurance without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Zorgverzekering.chat: Dutch health insurance MCP server still maintained?

Zorgverzekering.chat: Dutch health insurance is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What did VerifyMCP test on the Zorgverzekering.chat: Dutch health insurance MCP server?

VerifyMCP ran 13 checks on Zorgverzekering.chat: Dutch health insurance, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://mcp.zorgverzekering.chat/mcp
- Website: https://www.zorgverzekering.chat/mcp
- Changelog RSS feed: https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp.json
- HTML version of this page: https://verifymcp.io/servers/chat-zorgverzekering-mcp-zorgverzekering/mcp