The following healthcare is excluded from the deductible

The deductible applies solely to healthcare covered by the general insurance policy, with a few exceptions.

No deductible

The deductible does not apply to:

  • appointments with your general practitioner (a blood test ordered by your GP, however, does come under the deductible)
  • children aged under 18
  • midwifery care
  • obstetric care
  • medical aids on loan
  • multidisciplinary care
  • nursing and personal care (district nursing)
  • post-operative check-ups and travel costs for organ donors
  • foot care from a podiatrist for patients with diabetes mellitus
  • population screening (the deductible does apply to any follow-up screening)
  • healthcare reimbursed under your additional insurance package

When the deductible does apply

All other healthcare covered by the general insurance policy is subject to the deductible, and you may also be required to pay a personal contribution.

If you have a ‘Zorgbewustpolis’, CZ will refund your compulsory deductible up to an amount of €385 from 2018 in case of:

  • Pelvic physiotherapy in connection with urinary incontinence
  • Walking therapy to treat intermittent claudication
  • Mental healthcare treatment in combination with e-Health

CZ Customer Services