a.s.r. Reviews 

The worst experience with ASR Zorg.
They keep rejecting my claim asking always new questions. And they never provide a valid reason for not paying the claim. So unprofessional and unfair. The first step with SKGZ was useless too.

Site is so bad, it never works. Can't find my policy, can't login etc.!

Mijn ervaring met de aansprakelijkheidsverzekering van ASR is schokkend en een duidelijk voorbeeld van winstmaximalisatie ten koste van de klant.
ASR gaf tot twee keer toe aan dat zij onze juridische verdediging zouden verzorgen; ze vroegen hiervoor zelfs twee keer uitstel aan. Na een slepende periode van twee maanden – en met nog slechts drie weken te gaan tot de uiterste termijn voor het indienen van het verweer – lieten ze ons plotseling vallen. Ze kwamen terug op hun toezegging en weigerden ons nog langer te verdedigen.
We moesten hals over kop op zoek naar een nieuwe advocaat, die vervolgens slechts drie weken de tijd had om zich in de complexe zaak te verdiepen en een verweer op te stellen.
Voorafgaand aan de rechtszitting nam deze advocaat contact op met ASR om schikkingsmogelijkheden te bespreken, waarbij duidelijke afspraken werden gemaakt. ASR besloot vervolgens dat het niet nodig was om bij de zitting aanwezig te zijn. Na de zitting (waarbij de schikking officieel werd overeengekomen) kwam ASR echter op schaamteloze wijze terug op hun eerdere toezegging. Tot overmaat van ramp dwongen ze ons om zelf 25% van het schikkingsbedrag aan ASR te betalen.
Vervolgens claimde ASR het volledige schikkingsbedrag bij onze verzekeraar, SUREbusiness, zonder te melden dat wij die 25% al ​​aan hen hadden overgemaakt.
Dit bedrijf blinkt uit in onbetrouwbaarheid; ze laten je op het laatste moment meedogenloos in de steek en verrijken zich ten koste van hun klanten. Ik raad ze absoluut niet aan.

My experience with ASR’s liability insurance has been shocking and demonstrates a clear case of profit maximization at the customer's expense.
ASR stated twice that they would handle our legal defense. They even requested extensions for this purpose on two occasions. After a dragging period of two months—and with only three weeks left before the final deadline to submit the defense—they suddenly dropped us. They reneged on their promise and refused to defend us any longer.
We had to scramble to find a new lawyer, who then had only three weeks to familiarize themselves with the complex case and draft a defense.
Before the court hearing, this lawyer contacted ASR to discuss settlement options, and clear agreements were reached. ASR subsequently decided it wasn't necessary to attend the hearing. However, after the hearing (where the settlement was officially agreed upon), ASR brazenly went back on their earlier promise. To top it all off, they forced us to pay 25% of the settlement amount to ASR ourselves.
ASR then claimed the full settlement amount from our insurance provider, SUREbusiness, without disclosing that we had already transferred that 25% to them ourselves.
This company excels at being unreliable; they ruthlessly abandon you at the last minute and enrich themselves at their customers' expense. I absolutely do not recommend them.

I have been with ASR for 5 years i suffer from chronic nerve pain and endometriosis. Medication is essential to my livelihood. 3 weeks ago they abruptly cut off my access to duloxetine despite it being covered under the medicijn kost website. The company refused to get in touch with my doctor or pharmacy. I had to make over 12 calls playing ring around. Each time ASR offered different contradictory advice to me: get a medical necessity note from the doctor, its the pharmacies fault but we are not able to call or email them, later it changed to no we need to be sent the note. You are dealing with SICK PEOPLE WHO PAY YOU MONEY. Maybe this shoddy service would fly if this medical insurance was free but EUR 200 and own risk is EUR 38. This lack of medication has severely impacted me- I am in paid daily and nights are unbearable. I will be cancelling my insurance end of year and advising the same to all my colleagues and associates. Unprofessional company.

Never rent or buy appartments with asr. They dont care about you only about making cheap money. Everything is the worst quality ever, really cheap and breaking all the time, and they never reply and come to fix it. They just ignore us. Elevators are always broken and people get stuck. Bikes are stolen because doors don't close. The floor of our appartment is loose and they dont fix it. Heating doesn't work properly and they don't want to come to check because "it's not cold enough". Really it just creates so much stress and tension... And then they don't give all the deposit back because they claim that these broken things are our fault when they were like that since we moved in to newly build appartments.

ASR is the worst financial services company I have ever came across!
They had a product called ABC Spaarplan in the Netherlands and after decades they managed to achieve less then a few % of profit for me. If I would have put all the premium payments since then on a standard savings account I would have made much more profit.

But that aside, now the term has ended per 1 January 2026 and they claim they need 5 more months to do the actual payout without any advance payment whatsoever. They keep my money for 5 more months! This is theft.

I strongly advise everyone not to do any business with them as it seems to be in their vains to do business this way.

This insurance company is not even worth 1 star!

The communication is the worst ever. When you send them PDF attachment they dont open the attachment but asking questions that allready there, but they have to open the attachment. Every time they respond with the question to add information the process is delayed by 14 days. Calling is more or less impossible , they use call centers that dont know about the products. This institute is worse than the government, when it comes to accessibility. Reviews are over and over again about the same issues and they don t use it to improve. A.S.R. is one of the most frustrating organizations in the Netherlands

Appalling service. For GGZ at least.

This year, 2025, the government stopped 100% coverage for non-contracted GGZ (mental healthcare). So I joined a.s.r. via my wife to help mitigate the cost, as it could make the whole package a bit cheaper, and they claimed to support up to 90% of the average contracted person rate (which is not bad) for non-contracted basic GGZ.

But instead of cost mitigation, I got a full-blown headache.

None of their phone agents (or my wife's work mediator) properly clarified, before signing the contract, that I needed their doctor's pre-approval for GGZ claims. I swear, I called their agents multiple times, asking for details and pricing info on their GGZ coverage. This critical point was never indicated.

As for their English brochure, for reference, they point out 2 notes under Basic Mental Healthcare (GGZ):

"(1) A referral is required for this reimbursement. Further information can be found in the policy conditions. (2) A certain practitioner applies for this reimbursement. Further information can be found in the policy conditions."

This is not enough to conclude I need THEIR pre-approval. They indeed ask for a referral (which I gave), but in reality that was not enough.

And further read in Policy Conditions? Be ready for dense literature with typical legal language. If you're like me, with a 2-year-old kid and a busy life as a parent, you're going to struggle.

So then I am their client already, and I am trapped.

It was a fight to get it approved. Inclusively for my individual therapist and myself. We had to share quite some private details of my life to defend the case. It was difficult for my therapist to balance providing enough details and not too much at the same time to safeguard a bare minimum of right to privacy.

And, at some point, I even had to pause the treatments because I couldn't afford them.

Finally, we got approval after more than 6 months. Today, I am still sorting out some other issues with them regarding the reimbursements. They come a bit disorganized to me, and I am triple-checking all claims (they have refused some).

I do not trust them.

PS.: For price reference, they are covering 85% GGZ costs for my case (maybe my clinic is a bit above the average contracted person rate).

BEWARE! It is A BIG COMPANY OF SCAMMERS!

The claims department's handling of my stolen motorbike has been a masterclass in incompetence and utter disregard for the customer. My case was met with a shocking level of apathy, constant delays, and a complete lack of communication at every single turn. The adjuster assigned seemed more interested in finding reasons to deny the claim than in providing the service I am legally entitled to. Moreover, They blame you for the theft! The entire process has been a deliberately obstructive and infuriating battle, adding immense stress to an already distressing situation. This has been, without a doubt, the most abysmal and unprofessional insurance experience I have ever been forced to endure.

I’ve been waiting years for a.s.r to process an international transfer from the Netherlands to Ireland. In the last month I've followed up four times in six weeks and received zero response.
Ref: 1076168 / WnP 891003031
This is either extreme incompetence or intentional avoidance. Do not trust this company.

Terrible company, not out there to help the consumer, but only to fill their own pockets.

dental cost is only convered within certain time limit, optical glasses insurance is only valid with discount in the checkout counter without reimbursement.
These causes are just so strange and it feels like a scam

BEWARE, ITS A SCAM, DO NOT DEAL WITH THIS COMPANY The sales guy talked me into after explaining how profitable their product is, then he asked me to pay for membership at a huge discount if signed up now, which i did. The next day I changed my mind when I read about bad reviews, asked them for my money back via phone call and emails , no one picks up the phone and nor reply to my emails, so, my money is GONE,, I have to pass it to our government agencies to investigate this company.

The insurance options are comprehensive, but the claim process can be slow.

Impossible to contact them with very simpel questions. No telephonenumber on the website? Instant boycot.

Update 20-05-2025 / 14:48:
My option is not visible. If I have a question about other insurances which are not listed, there is no way to contact asr.
So, make sure your telephonenumber is clearly visible on your website without any difficult websearching, of click-mazes.

Do not register here and feel you have an insurance, it doesn't work, they are not helpful!

Terrible experience. On the internet canceling seemed so simple, write in chat "I don't want insurance anymore" or call. Two different people in chat told me that they couldn't help me. They gave me the whatsapp number to contact and on whatsapp a robot answered me saying that it wasn't the right channel. I was on hold on the phone for an hour and 50 minutes to speak to an operator. Luckily Pete or Peter answered me. I would give zero stars but I can't, the only star I give is for Pete/Peter who made my day better. Don't choose it.

This has been the worst experience I've ever had with a medical insurance provider. I moved from the Netherlands to the United States and had officially deregistered, yet they continued to charge me. This ultimately resulted in a legal bill of nearly €1,000. Every attempt to clarify the situation with customer service was met with confusion, unhelpful responses, and, more often than not, rude and arrogant behavior. It's no surprise they have such a low rating and consistently negative review 🤡

I REGRET CHOOSING YOU, SCAMMERS!!! I APPLIED FOR A HEALTH INSURANCE IN DECEMBER, AND IT STARTED ON 1.01.2025!! HOWEVER THOSE FRAUDSTERS CHARGED ME 520 EURO UNEXPLAINABLY !!! TODAY, I SAW ON THEIR SHITTY APP THAT THEY CHARGED ME 2.5 MONTHS HEALTH
INSURANCE STARTING END OCTOBER 2024...WHEN I ONLY APPLIED IN DECEMBER!!! I CANT REACH THE RIGHT DEPARTMENT FOR MORE THAN A WEEK ALREADY!!! I WILL CHANGE THIS INSURANCE - DONT EVEN THINK ABOUT THEM - SCAM SCAM SCAM!!!!