It is hardly surprising that you have some questions. You may be wondering whether your scheduled hospital appointment will still go ahead, or whether you can drop by one of our branches. We have collected the most important questions here.
Your health insurance and reimbursements
Yes. As of 1 June, anyone with symptoms can go to the ‘GGD’ (regional health authority) for a free test. You will not have to pay anything and do not need a referral from your general practitioner. To make an appointment, go to Coronatest.nl (log in using your DigiD) or call the national freephone number 0800-1202 between 8am and 8pm. Make sure you have your Dutch personal identification number (BSN) to hand. Further information is available here.
You are reimbursed for urgent medical care abroad. However, your health insurance does not reimburse the costs of travel, accommodation or preventive measures. If you are admitted to hospital abroad or have further questions while abroad, call the CZ Helpline on +31 13 468 04 02.
On the advice of ‘Zorginstituut Nederland’, Minister for Medical Care Tamara van Ark has decided to temporarily extend the reimbursements provided by the general insurance policy for recovery care for seriously ill COVID-19 patients. Both COVID-19 patients who have been admitted to an ICU and COVID-19 patients who were treated in nursing wards or were seriously ill at home will qualify for this extended reimbursement.
Yes, it will be reimbursed. The surcharge will have the code C88 or F902. Over the period from 1 August 2020 to 31 October 2020, your oral care provider is authorised to add this surcharge to your invoice once per treatment day to cover the costs of the additional measures they have to take on account of the coronavirus situation. If you want to find out more about this, visit the .
Many hospitals have not yet updated the consultation types in their system. This is why the invoice may sometimes still say that the consultation was at the hospital, even if it was a remote consultation. It does not make any difference for the amount charged on your invoice. Healthcare providers, health insurers and the ‘Nederlandse Zorgautoriteit’ (Dutch Healthcare Authority, NZa) have made arrangements in this respect.
The year for which you are charged a deductible is determined by the start date of your treatment. If the first appointment for your treatment is in 2020, you will be charged the deductible for 2020.
If you are treated in hospital, you may be charged a deductible twice.
From the first time you come to the hospital for treatment, the hospital groups together all your treatments in a sort of package called the Diagnosis-Treatment-Combination, or DBC. The DBC will stop as soon as your treatment has finished, or it will stop after a certain number of days as stipulated by the NZa, which is currently 120 days for most healthcare in hospital, 42 days for surgery and 365 days for mental healthcare. If the treatment takes longer than that, a new (follow-up) DBC will start. If you had not yet paid all of your deductible or this new follow-up DBC is opened in a new year, you will be charged a deductible again.
The above also applies to treatment that has been postponed due to coronavirus. The Minister for Medical Care has explained - in response to questions from members of Dutch parliament - that this is due to the way in which the deductible is calculated.
No, face masks are not reimbursed under your insurance.
CZ’s mobile branches have been up and running again since 1 September. Our other branches are also open.
No need to worry, we would be happy to assist you. Request a payment arrangement by telephone.
No. The Dutch government has made it clear that they will not be repatriating anyone.
No. Your health insurance does not cover a test required for entry into a country.
If you need healthcare while abroad and if that requires you to take a coronavirus test, the costs of the test will be reimbursed under your health insurance.
Yes, but only if you have a prescription from a general practitioner or medical specialist. You can have your Dutch general practitioner email the prescription to your holiday address. Do check first, however, whether the local pharmacy will accept the email from your Dutch GP as a valid prescription.
Besides that, you will need an itemised and readable invoice for the medicine, showing the name and address of the pharmacy, your name, the date and the details of the medicine dispensed.
Submitting a claim: if the invoice shows that the medicine was dispensed based on a doctor’s prescription, you can submit a claim as normal. If this is not clearly stated on the invoice, please also enclose the prescription from the general practitioner or medical specialist with your claim.
Yes. If you have any problems you are worried about, always take them seriously and contact your general practitioner. You can also ask questions about your health on our ‘’ app, which lets you chat with a nurse live.
In the event of urgent and life-threatening situations, call 112.
Take a look at the answers to frequently asked questions about coronavirus and pregnancy on .
At the moment, there are no shortages and there is enough medicine for everyone who needs it. However, to prevent any shortages arising, you will no longer be given medicine to cover you for an extended period. You can read more about this measure here (in Dutch).
Hospitals are resuming regular healthcare services. Check your hospital’s website for details.
As always, you can reschedule an appointment or treatment. Contact the hospital to discuss the options.
Yes. In order to make sure transport is safe, it is important that you do not use it if you have coronavirus-related symptoms, as per guidelines issued by the Dutch National Institute for Public Health and the Environment (RIVM). If you are unable to keep a distance of 1.5 metres inside a vehicle, you must wear a non-medical face mask. The driver will be wearing a surgical mask as standard.
In case of transport by car, there is a maximum of 2 passengers. The maximum number of passengers on a minibus is 4. There is no maximum number of passengers in a vehicle when the passengers are aged below 18. If you have any further questions about this, please contact one of our customer advisers.
Yes. Daytime activities are important. In order to ensure that all clients can be taken to their daytime activities, you will travel together with others. This is subject to the following rules:
You must not have coronavirus-related symptoms (as per guidelines issued by the Dutch National Institute for Public Health and the Environment (RIVM)).
Clients travel in fixed groups as much as possible.
A maximum of 2 passengers in a car (apart from the driver).
A maximum of 4 passengers on a minibus (apart from the driver).
You can wear a non-medical face mask (not compulsory).
The driver wears a surgical mask.
Children/teenagers up to age 18 do not have to keep a distance of 1.5 metres during transport.
People who live together and share facilities (such as a family or residential group) do not have to keep a distance of 1.5 metres during transport either.
Your healthcare provider will contact you directly to discuss your treatment. If you have any further questions, please contact one of our healthcare advisers.
There are therapists who can provide special coronavirus-related healthcare. They are listed on (healthcare for chronic conditions).
Waiting list mediation is not always possible now due to the coronavirus situation. Some hospitals are currently treating only patients from their own region. Hospitals also face the challenge of catching up on postponed treatments. It will be up to the hospitals themselves to decide what healthcare to resume and when. To find out whether there are any hospitals where you can get your treatment sooner, call the CZ Healthcare Team (‘Zorgteam’) on +31 13 594 91 10 (lines are open from 8.30am to 5.30pm Monday to Friday). Our healthcare advisers would be happy to help you.
You cannot request the test yourself. The healthcare provider will determine whether you should be tested.