Zorgverzekering.chat MCP server

Remote MCP server with data on every Dutch health insurance policy (zorgverzekering): premiums, deductibles, coverage, contracted care providers, year-on-year changes and annual costs per household. Each figure comes with its source document (policy conditions, coverage overview or premium overview, with version and date). Works in Dutch and English.

Endpoint: https://mcp.zorgverzekering.chat/mcp (streamable HTTP)
Authentication: none. No account or API key needed.
Tools: 12, all read-only
Registry name: chat.zorgverzekering.mcp/zorgverzekering
Website: https://www.zorgverzekering.chat/mcp

This repository holds the documentation for the server. The server is hosted by Zorgverzekering.chat, so there is nothing to install or run locally.

Configure

VS Code (GitHub Copilot)

Add this to .vscode/mcp.json in your workspace, or to your user mcp.json with MCP: Open User Configuration:

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

Then open Copilot Chat in agent mode and enable the Zorgverzekering.chat tools.

Other MCP clients

Any client that supports remote MCP servers over streamable HTTP can connect to https://mcp.zorgverzekering.chat/mcp. For clients that use the mcpServers format (Cursor, Windsurf and others):

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

Use

Ask in plain language, in Dutch or English. For example:

Which basic insurance (basisverzekering) is cheapest at the mandatory deductible (eigen risico), and what does a voluntary deductible save?
What will a household of two adults and one child pay in 2027: premiums, expected deductible, co-payments and care that is not reimbursed?
Which supplementary package covers at least 12 physiotherapy sessions, and does it have a waiting period?
Does my policy have a contract with the hospital in my city for orthopaedics, and how much is reimbursed without one?
What changed in my policy between 2026 and 2027?
What is the switching deadline (overstapdeadline) this year?

Tools

Tool	What it does
`get_wettelijke_parameters`	Statutory parameters for an insurance year: mandatory and voluntary deductible, healthcare allowance (zorgtoeslag) limits, co-payments, premium publication date and switching deadline.
`list_verzekeraars`	All Dutch insurers for a year, with insurer group, policy types, number of policies and customer ratings. Resolves an insurer name to an id.
`zoek_basisverzekeringen`	Searches basic policies by policy type, insurer, reimbursement of non-contracted care and care type. Returns premiums at the chosen deductible. Sorts by premium, choice of providers or rating.
`get_polis`	Full record of one basic policy or supplementary package: premiums, coverage per category, waiting period, acceptance rules and a source per field.
`zoek_aanvullende_pakketten`	Finds supplementary and dental packages that meet coverage requirements, such as at least 12 physiotherapy sessions or € 500 for dental care.
`zoek_zorgaanbieder`	Searches care providers (hospitals, clinics, physiotherapists) in the national AGB register by name, city, postcode or care type.
`check_zorgaanbieder`	Checks per policy whether a care provider has a contract with the insurer, and how much is reimbursed without one.
`bereken_jaarkosten`	Calculates the expected annual costs for a household: premiums, collective discount, expected deductible, co-payments and costs not reimbursed, with all assumptions.
`vergelijk_polissen`	Compares 2 to 4 policies and returns only the differences: premium, choice of providers, coverage, acceptance, waiting period and conditions.
`vergelijk_jaren`	Shows what changed in a policy between two insurance years.
`get_intake_schema`	The ordered intake questions for building a household scenario for `bereken_jaarkosten`.
`get_bron`	Quotes a short passage from an official source document, with URL, version and date.

The same data is available as a REST API: OpenAPI specification.

Privacy

The tools never ask about health. If a user wants planned care included in a calculation, only the type of care and a count are used (for example 10 physiotherapy sessions), never diagnoses or medicines. Nothing that is sent is stored. See the privacy statement.

Limitations

The server provides information, not advice. Users decide and sign up with the insurer themselves; the server never signs anyone up. Care provider contracts can change during the year, so users should check with their insurer when in doubt. It covers Dutch health insurance only.

Support

www.zorgverzekering.chat/contact or help@zorgverzekering.chat.

zorgverzekering

Documentation