Basisverzekering Zorg-op-maatpolis
This is our most popular general insurance policy, with even more choice. And, as always, with CZ’s tried and trusted service.
Zorg-op-maatpolis
per month with a deductible of €385
Discover the ‘Zorg-op-maatpolis’ policy
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Our general insurance policy with the most freedom of choice
- Choice of 5 voluntary deductibles
- 100% reimbursement when using healthcare providers who have a contract with us for your healthcare
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Decide for yourself: arrange your healthcare matters online or by post
What’s covered under the general insurance
Every year, the government decides what healthcare is covered under the general insurance; this applies equally to all health insurers. To give a few examples:
Reimbursed
- General practitioner
- Hospital
- Ambulance
- Medicines and medical aids
- Obstetric care and obstretic care
- Speech an language therapy
- Dietary advice
- Dental costs for children under 18
Not reimbursed
- Physiotherapy from the age of 18
- Dental care from the age of 18
- Orthodontist
- Alternative treatment methods
- Glasses and contact lenses
For extra or more extensive reimbursements, take a look at our additional insurance packages
‘Zorg-op-maatpolis’: 75% reimbursement when using non-contracted healthcare providers
The biggest difference between the general insurance policies concerns your reimbursement for healthcare providers without a contract. Under the ‘Zorg-op-maatpolis’ policy, you are reimbursed 75% when you go to a healthcare provider who does not have a contract with CZ. If you go to a healthcare provider with a contract, you are reimbursed more. And there are other advantages too:
Reimbursement of contracted healthcare
- Choose from among 45,000 healthcare providers
- The best healthcare and the shortest waiting period
- No need to pay up front: we pay the healthcare provider
Reimbursement for non-contracted healthcare
75% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 75% of the contracted rates.
- No agreements on quality and availability
- You pay the bill yourself and claim the costs back from us
Choose between 6 deductibles
The selection of higher deductibles also differs per general insurance policy. You have 6 choices with the ‘Zorg-op-maatpolis’ policy: besides the This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2024, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy. of €385, you can opt for a voluntary deductible of €485, €585, €685, €785 or €885. You will get a discount on your premium when you opt for a higher deductible. Do keep in mind, however, that you will need to pay the first €485 to €885 in healthcare costs yourself should you need care.
3 reasons to opt for CZ’s 'Zorg-op-maatpolis'
Choose from among 45,000 healthcare providers
Healthcare is always close by
Choose between 6 deductibles