The difference between an in-kind policy and a refund policy

CZ offers three in-kind policies: ‘Zorgbewustpolis’, ‘Zorg-op-maatpolis’ and 'CZdirect basisverzekering'. CZ offers one refund policy ‘Zorgkeuzepolis’. What is the difference?

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.

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.

CZ Customer Services

Please note that our Customer Services will be closed on Good Friday the 7th of April and Easter Monday the 10th of April.

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