An in-kind policy is cheaper
The ‘Zorgbewustpolis’, ‘Zorg-op-maatpolis’ and 'CZdirect basisverzekering' in-kind policies are cheaper than the ‘Zorgkeuzepolis’ refund policy. The difference between an in-kind policy and a refund policy lies mainly in the extent of your reimbursement when you go to a non-contracted healthcare provider. The 'CZdirect basisverzekering' in-kind policy offers the lowest reimbursements, while reimbursements under the ‘Zorgkeuzepolis’ refund policy are the highest.
Healthcare from contracted healthcare providers
The premium you pay for an in-kind policy is lower, because you only go to contracted healthcare providers, i.e. healthcare providers with which CZ has negotiated a price agreement. You can always opt to go to a non-contracted healthcare provider instead, but an in-kind policy will not reimburse all your costs in that case. CZ has contracts with most healthcare providers in the Netherlands, so whether you opt for an in-kind policy or a refund policy, there is an ample range of healthcare providers you can choose from.
With contracted healthcare providers, you never have to pay the costs up front
Both with an in-kind policy and a refund policy, invoices issued by contracted healthcare providers are always sent to CZ directly, so you will not need to pay anything up front. Healthcare provided by contracted healthcare providers is reimbursed in full, but you will have to pay your deductible first. The compulsory deductible for 2020 is €385.
With non-contracted healthcare providers, you always pay the costs up front
Both with an in-kind policy and a refund policy, you are required to pay the bills from a non-contracted healthcare provider up front and then submit a claim to us for reimbursement.