Father, mother and two daughters are sitting on the sofa together, smiling

Switching to CZ health insurance

  • Good health insurance with extensive reimbursements
  • More than 20 extras to help you take care of yourself
  • Always an insurance package that fits you
Choose your insurance policy

CZ health insurance

Our general insurance policies

Would you rather have the freedom of choosing your own healthcare providers or do you always visit a contracted one? And would you like to choose a voluntary deductible? Your wishes determine which general insurance best fits you. Whichever one you may choose: You will always be well-insured for the most important healthcare from your general practitioner, pharmacy or the hospital.

Read more about our general insurance policies
Woman relaxes in the sun

Extra benefits with group health insurance

You pay less if you take out group health insurance through your employer, member organisation or as a self-employed contractor.

  • Premium discount for the entire family
  • More extensive reimbursements
  • Many additional benefits to help you stay fit and healthy

Read more about our group health insurance

Our additional insurance packages

For extra assurance you can opt for an additional insurance. You can choose between several additional insurances with increasing reimbursements, and even specific packages for the younger people, families or the over 50s.

Compare our additional insurances

Reimbursements Aanvullend Start
€ 1,95 /month
Aanvullend Basis
€ 8,10 /month
Aanvullend Plus
€ 22,75 /month
Aanvullend Top
€ 43,25 /month
Aanvullend Jongeren
€ 19,75 /month
Aanvullend Gezinnen
€ 56,20 /month
Aanvullend 50+
€ 16,25 /month
Emergency assistance abroad
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
Alternative treatments methods
Not reimbursed
Not reimbursed
€350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€550 per year
€550 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€200 per year
€200 per year for alternative and/or psychosocial treatments (€30 per day) and medicines (100%) combined
€350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
Glasses and lenses
€100 per 2 years €125 per 2 years €100 per 2 years €150 per 2 years €100 per 2 years
Physiotherapy from the age of 18
Not reimbursed
9 sessions per year
9 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
20 sessions per year
20 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
9 sessions per year
9 sessions per year from the age of 18 (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
13 sessions per year
13 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
Dental care from the age of 18
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€250 per year
€250 per year
Not reimbursed
Orthodontic care
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€350
€350 for as long as you have this additional insurance package with us
€2045 up to the age of 18; 1-year waiting period €345 from the age of 18; 1-year waiting period
€2045 up to the age of 18 for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
Not reimbursed
Childbirth
Not reimbursed
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
Not reimbursed
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
Not reimbursed
Hearing aids
Not reimbursed
Not reimbursed
€100
€100 of the statutory personal contribution per hearing aid
€200
€200 of the statutory personal contribution per hearing aid
Not reimbursed
Not reimbursed
€300
€300 of the statutory personal contribution per hearing aid
Treatment of facial acne
€230 per year €230 per year €230 per year €230 per year €230 per year €230 per year
Accommodation costs
€500 per year €500 per year €500 per year €500 per year €500 per year €500 per year €500 per year
Aftercare following care in an incubator
12 hours 12 hours 12 hours 12 hours
Arch supports
€75 per year €75 per year €60 per year €60 per year €60 per year
Bedwetting alarm
Not reimbursed
100% when purchased or 4 months when hired
100% when purchased or 4 months when hired; once for as long as you are insured with us
100% when purchased or 4 months when hired
100% when purchased or 4 months when hired; once for as long as you are insured with us
100% when purchased or 4 months when hired
100% when purchased or 4 months when hired; once for as long as you are insured with us
Not reimbursed
100% when purchased or 4 months when hired
100% when purchased or 4 months when hired; once for as long as you are insured with us
Not reimbursed
Camouflage therapy
Not reimbursed
€200
€200 for as long as you are insured with us
€200
€200 for as long as you are insured with us
€200
€200 for as long as you are insured with us
€200
€200 for as long as you are insured with us
€200
€200 for as long as you are insured with us
€200
€200 for as long as you are insured with us
Carer relief
14 days per year 14 days per year 14 days per year 14 days per year 14 days per year 14 days per year
Childbirth courses
€100 per pregnancy €100 per pregnancy €200 per pregnancy €200 per pregnancy
Consultation on menopause pregnancy or cancer
€200 per year €200 per year €200 per year €200 per year €200 per year
Contraceptives from the age of 18
€200 per year from the age of 21 €200 per year from the age of 21 €200 per year from the age of 21 €200 per year from the age of 21 €200 per year from the age of 21
Dentures
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€250 per year
€250 per year
Not reimbursed
Diabetes testing supplies
Not reimbursed
€40 per year
€40 per year for diabetes patients
€40 per year
€40 per year for diabetes patients
€40 per year
€40 per year for diabetes patients
Not reimbursed
€40 per year
€40 per year for diabetes patients
€40 per year
€40 per year for diabetes patients
Dietary advice
€50 per year €75 per year €100 per year €50 per year €100 per year €75 per year
Dietetics
€120 per year €120 per year €120 per year €120 per year €120 per year €120 per year
Drop-in centre for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
€150 per year
€150 per year for cancer patients/survivors
Ear position correction
Not reimbursed
Not reimbursed
100% up to the age of 18
100% up to the age of 18, once for as long as you are insured with us
100% up to the age of 18
100% up to the age of 18, once for as long as you are insured with us
Not reimbursed
100% up to the age of 18
100% up to the age of 18, once for as long as you are insured with us
Not reimbursed
Emergency dental care abroad
€275 per year €275 per year €275 per year €275 per year €275 per year €275 per year €275 per year
Epileptic seizure alarm
100% 100% 100% 100% 100%
Exercise programme
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
€350 per 3 years
€350 per 3 years for certain conditions
Exercise therapy for COPD
Not reimbursed
9 sessions per year
9 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
20 sessions per year
20 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
9 sessions per year
9 sessions per year from the age of 18 (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
13 sessions per year
13 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
Fall prevention
Not reimbursed
€50
€50 for as long as you are insured with us
€50
€50 for as long as you are insured with us
€50
€50 for as long as you are insured with us
Not reimbursed
€50
€50 for as long as you are insured with us
€100
€100 for as long as you are insured with us
Flu jab (preventive vaccinations)
once a year
Foot care
Not reimbursed
Not reimbursed
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€70 per year (look at details) €70 per year (look at details)
€70 per year for general foot care; €70 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €115 per year (look at details)
€115 per year for general foot care; €115 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
Hair removal (on the face and/or neck)
Not reimbursed
€570
€570 for as long as you are insured with us
€570
€570 for as long as you are insured with us
€570
€570 for as long as you are insured with us
€570
€570 for as long as you are insured with us
€570
€570 for as long as you are insured with us
€570
€570 for as long as you are insured with us
Hairpieces (wigs)
€75 per year €75 per year €75 per year €75 per year
Health courses
€50 per year €100 per year €200 per year €50 per year €100 per year €100 per year
Home care products
50% 50% 100% 50% 75%
Home monitor
Not reimbursed
12 months
12 months (with possible extension of a further 12 months) for as long as you are insured with us
12 months
12 months (with possible extension of a further 12 months) for as long as you are insured with us
12 months
12 months (with possible extension of a further 12 months) for as long as you are insured with us
Not reimbursed
12 months
12 months (with possible extension of a further 12 months) for as long as you are insured with us
Not reimbursed
Hospice
€30 per day for the personal contribution €30 per day for the personal contribution €30 per day for the personal contribution
Lactation consultant
€200 per year €200 per year €200 per year €200 per year
Laser eye treatment
€100 per 2 years €125 per 2 years €100 per 2 years €150 per 2 years €100 per 2 years
Medical aids for ADLs
€70 per year €70 per year €70 per year €100 per year
Obstetric care after hospitalisation
6 hours 6 hours 6 hours 6 hours
Obstetric care, additional
4 days where medically necessary 4 days where medically necessary 4 days where medically necessary 4 days where medically necessary
Obstetric care, statutory personal contribution
100%
Occupational therapy
2 hours per year up to the age of 18 2 hours per year up to the age of 18 2 hours per year up to the age of 18 2 hours per year up to the age of 18
Occupational therapy, supervision
2 hours per year 2 hours per year 2 hours per year 2 hours per year 2 hours per year
Oral care in the event of accidents
€10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident
Physiotherapy and exercise therapy
Not reimbursed
9 sessions per year
9 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
20 sessions per year
20 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
9 sessions per year
9 sessions per year from the age of 18 (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
13 sessions per year
13 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
Podiatry for severe blood vessel problems in the legs
Not reimbursed
Not reimbursed
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€70 per year (look at details) €70 per year (look at details)
€70 per year for general foot care; €70 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €115 per year (look at details)
€115 per year for general foot care; €115 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
€115 per year (look at details) €230 per year (look at details)
€115 per year for general foot care; €230 per year for treating severe circulation problems in the legs and/or rheumatoid arthritis
Post-mastectomy lingerie
Not reimbursed
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
Post-mastectomy lingerie
Not reimbursed
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
€90 (after mastectomy)
€90 (after mastectomy) for as long as you are insured with us
Preventive examination to identify cardiovascular disease
Not reimbursed
€50 per year related to cardiovascular disease
€50 per year for examinations to identify risk factors related to cardiovascular disease
€100 per year related to cardiovascular disease
€100 per year for examinations to identify risk factors related to cardiovascular disease
€150 per year related to cardiovascular disease
€150 per year for examinations to identify risk factors related to cardiovascular disease
Not reimbursed
€50 per year related to cardiovascular disease
€50 per year for examinations to identify risk factors related to cardiovascular disease
€50 per year related to cardiovascular disease
€50 per year for examinations to identify risk factors related to cardiovascular disease
Redression helmet
100% 100% 100% 100%
Repatriation
100% (in the event of illness) 100% (in the event of illness) 100% (in the event of illness) 100% (in the event of illness) 100% (in the event of illness) 100% (in the event of illness) 100% (in the event of illness)
Self-management course
Not reimbursed
€100
€100 for as long as you are insured with us
€100
€100 for as long as you are insured with us
€100
€100 for as long as you are insured with us
Not reimbursed
€100
€100 for as long as you are insured with us
€100
€100 for as long as you are insured with us
Sports medicine advice
€100 per year €150 per year €150 per year €150 per year €150 per year €150 per year
Sterilisation
€400 (male) or €1,250 (female) €400 (male) or €1,250 (female) €400 (male) or €1,250 (female)
Support pessary
100% 100% 100% 100% 100%
Tablets against exotic diseases
50% 75% 100% 100% 100%
Temporary carer relief
Not reimbursed
€150
€150 for as long as you are insured with us
€150
€150 for as long as you are insured with us
€150
€150 for as long as you are insured with us
€150
€150 for as long as you are insured with us
€150
€150 for as long as you are insured with us
€150
€150 for as long as you are insured with us
Therapy camp
€200 per year up to the age of 18 €200 per year up to the age of 18 €200 per year up to the age of 18 €200 per year up to the age of 18
Travel expenses for visiting a sick person
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€200 per year (look at details)
€200 per year (car: €0.19 per km; 100% for public transport (2nd class)) for the parents if your child has been admitted
Not reimbursed
Vaccinations
Not reimbursed
Not reimbursed
50% (look at details)
50% for vaccinations for DTP, MMR, hepatitis A, B, A/B, yellow fever, typhoid and blood tests for hepatitis B
75% (look at details)
75% for vaccinations for DTP, MMR, hepatitis A, B, A/B, yellow fever, typhoid and blood tests for hepatitis B
100% (look at details)
100% for vaccinations for DTP, MMR, hepatitis A, B, A/B, yellow fever, typhoid and blood tests for hepatitis B
100% (look at details)
100% for vaccinations for DTP, MMR, hepatitis A, B, A/B, yellow fever, typhoid and blood tests for hepatitis B
100% (look at details)
100% for vaccinations for DTP, MMR, hepatitis A, B, A/B, yellow fever, typhoid and blood tests for hepatitis B
Walking therapy for intermittent claudication
Not reimbursed
9 sessions per year
9 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
20 sessions per year
20 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
9 sessions per year
9 sessions per year from the age of 18 (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
12 sessions per year
12 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)
13 sessions per year
13 sessions per year (100% reimbursement when using healthcare providers who have a contract with us for your healthcare; In the case of healthcare providers without a contract: 50% of your invoice up to 50% of the rate charged by healthcare providers with a contract)

Compare our additional insurances

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Our dental insurances

Costs can soon mount up if you have to visit the dentist, dental hygienist and orthodontist. Go easy on your wallet and protect your teeth with one of our dental insurance policies, which also cover orthodontics.

Compare our dental insurances

Frequently sought after reimbursements Tandarts Tandarts
€ 22,10 /month
Tandarts Uitgebreide Tandarts
€ 41,25 /month
Aanvullend Jongeren
€ 19,75 /month
Aanvullend Gezinnen
€ 56,20 /month
Dental care from the age of 18
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€1,150 per year 100% for check-ups (C11); 75% for other oral care
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€250 per year
€250 per year
Orthodontic care
once only €2,045 up to the age of 18; €345 from the age of 18; 1-year waiting period
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
once only €2,045 up to the age of 18; €345 from the age of 18; 1-year waiting period
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
€350
€350 for as long as you have this additional insurance package with us
€2045 up to the age of 18; 1-year waiting period €345 from the age of 18; 1-year waiting period
€2045 up to the age of 18 for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
Dentures
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€1,150 per year 100% for check-ups (C11); 75% for other oral care
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€450 per year 100% for check-ups (C11); 75% for other oral care
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€250 per year
€250 per year
Oral care in the event of accidents
€10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident

Compare our dental insurances

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Register and switch

Switching to CZ could not be easier. Simply calculate your premium and take out the health insurance online right away.

Calculate your premium in just two minutes
  • We will cancel your current insurance policy for you.
  • You have a 14-day cooling-off period.
  • Children under 18 are co-insured free of charge.

Frequently asked questions

CZ Customer Services

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