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CAO Collective

Zorgverzekeraar PAN

by PAN Zorgverzekeraar

★★★★☆4(543 reviews)

PAN Zorgverzekeraar specializes in collective health plans negotiated through Dutch CAO labor agreements, offering union members superior coverage at collectively-negotiated rates.

Monthly Premium

€117 - €180

Deductible

€385

Coverage Type

standard
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Coverage Details

✓Hospitalization
✓Outpatient Care
✓Dental
✗Vision
✓Mental Health
✓Maternity
✓Prescription Drugs
✓Emergency Care
✗International Coverage
✗Telehealth

Pros

  • ✓Negotiated CAO group rates
  • ✓Labor union member benefits
  • ✓Good supplemental for members
  • ✓Collective buying power

Cons

  • ✗Limited to union-affiliated groups
  • ✗Individual rates higher

Editorial Review

“PAN's CAO collective expertise consistently delivers better health coverage terms than individual plans for Dutch union members.”

— FNV Ledenmagazine 2025

Key Highlights

  • ✓Labor union CAO collective
  • ✓Best for union members
  • ✓Negotiated group rates

Quick Summary

ProviderPAN Zorgverzekeraar
CountryNetherlands
Rating4/5
Reviews543
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