Group health insurance

Take advantage of group health insurance benefit by your employer, association or self employed people.

Group insurance

These packages are for:

with

0% discount on your general insurance policy
0% discount on your additional insurance package
0% discount on your dental insurance

Change

Delete

Remove group insurance

Are you sure you want to delete your group healtjh insurance? You will no longer receive a discount and other group benefits. If you still want to remove the group, we are looking for a package that matches the choices you have already made as much as possible.

Group insurance

What is your group insurance number?

Every group insurance has its own unique number. If you do not know your group insurance number:

ask your employer’s HR department
or call CZ Customer Services: +31 88 555 77 77
for self-employed professionals, the group insurance number is 4832558

Found!

You can take out group insurance through with

This group insurance policy includes:

0% discount on your general insurance policy
0% discount on your additional insurance package
0% discount on your dental insurance

No, stop

1 Choose a general insurance

The general insurance is there for the main concern, for example for your family doctor, pharmacy or hospital.

in-kind

Zorgbewustpolis

€ 120,45 /month

Get 100% reimbursed when using healthcare providers that are contracted to CZ

Get a maximum of 70% reimbursed when using healthcare providers that are not contracted to CZ

'Zorgbewustpolis'

Naturaselect basisverzekering

‘Zorgbewustpolis’ at a glance

Our most affordable general insurance policy
Full reimbursement for CZ-contracted healthcare providers
Arrange your insurance matters online

Reimbursements

Reimbursed

Treatment by a general practitioner
Hospital visits
Transport by ambulance
Medicines and medical aids
Obstetric care, maternity care and maternity package
Speech and language therapy
Dietetics
Dental costs for children under the age of 18

View all the reimbursements (in Dutch)

Not reimbursed

Skin therapy
Carer relief
Alternative treatment methods
Oral care from the age of 18
Orthodontic care

If you want extra or more extensive reimbursements,
see our additional insurance packages.

More about your health insurance

Choice of over 45,000 healthcare providers

CZ has contracts with nearly all healthcare providers in the Netherlands. Go to one of these contracted healthcare providers to take advantage of numerous benefits.

Find a healthcare provider or supplier near you (in Dutch)

Reimbursement of contracted healthcare

We will reimburse 100% of the contracted rate.

The best healthcare quickly available.
No need to pay up front: CZ will pay the healthcare provider directly.

Reimbursement for non-contracted healthcare

We will reimburse 70% of the bill up to a maximum of 70% of the average agreed rate.

No agreements on quality and availability.
You pay the bill yourself and claim the costs back from us.

in-kind

Zorg-op-maatpolis

€ 124,80 /month

Get 100% reimbursed when using healthcare providers that are contracted to CZ

Get a maximum of 75% reimbursed when using healthcare providers that are not contracted to CZ

'Zorg-op-maatpolis'

Natura basisverzekering

‘Zorg-op-maatpolis’ at a glance

Our most popular general insurance policy
Full reimbursement for CZ-contracted healthcare providers
Arrange your insurance matters online or by post

Reimbursements

Reimbursed

Treatment by a general practitioner and medical specialists
Hospital visits
Transport by ambulance
Medicines and medical aids
Obstetrician
Obstetric care and maternity package
Speech and language therapy
Dietetics
Dental costs for children under the age of 18

View all the reimbursements (in Dutch)

If you want extra or more extensive reimbursements,
see our additional insurance packages.

Not reimbursed

Skin therapy
Carer relief
Alternative treatment methods
Oral care from the age of 18
Orthodontic care

Choice of over 45,000 healthcare providers

CZ has contracts with nearly all healthcare providers in the Netherlands. Go to one of these contracted healthcare providers to take advantage of numerous benefits.

Find a healthcare provider or supplier near you (in Dutch)

Reimbursement of contracted healthcare

We will reimburse 100% of the contracted rate.

The best healthcare quickly available.
No need to pay up front: CZ will pay the healthcare provider directly.

Reimbursement for non-contracted healthcare

We will reimburse 75% of the bill up to a maximum of 75% of the average agreed rate.

No agreements on quality and availability.
You pay the bill yourself and claim the costs back from us.

More about your health insurance

refund

Zorgkeuzepolis

€ 131,65 /month

Get 100% reimbursed when using healthcare providers that are contracted to CZ

Get a maximum of 100% reimbursed when using healthcare providers that are not contracted to CZ

'Zorgkeuzepolis'

Restitutie basisverzekering

‘Zorgkeuzepolis’ at a glance

The choice of healthcare provider is strictly up to you – even one without a contract
We reimburse the costs of all healthcare providers in full, except any that send an unreasonably high invoice for the healthcare
Arrange your insurance matters online or by post

Reimbursements

Reimbursed

Treatment by a general practitioner and medical specialists
Hospital visits
Transport by ambulance
Medicines and medical aids
Obstetrician
Obstetric care and maternity package
Speech and language therapy
Dietetics
Dental costs for children under the age of 18

View all the reimbursements (in Dutch)

Not reimbursed

Skin therapy
Carer relief
Alternative treatment methods
Oral care from the age of 18
Orthodontic care

If you want extra or more extensive reimbursements,
see our additional insurance packages.

Choice of over 45,000 healthcare providers

CZ has contracts with nearly all healthcare providers in the Netherlands. Go to one of these contracted healthcare providers to take advantage of numerous benefits.

Find a healthcare provider or supplier near you (in Dutch)

Reimbursement of contracted healthcare

We will reimburse 100% of the contracted rate.

The best healthcare quickly available.
No need to pay up front: CZ will pay the healthcare provider directly.

Reimbursement for non-contracted healthcare

We will reimburse 100% of the bill up to a maximum of 100% of the reasonable market rate in the Netherlands.

No agreements on quality and availability.
You pay the bill yourself and claim the costs back from us.

More about your health insurance

Health insurance cards general insurance (in Dutch)

2 Choose your deductible

The higher your deductible, the higher the discount on your premium.

€ 385

€ 0discount/month

€ 485

€ 3discount/month

€ 585

€ 6discount/month

€ 685

€ 9discount/month

€ 785

€ 12discount/month

€ 885

€ 17,50discount/month

discount/month

The deductible you can choose is different for each general insurance and group insurance policy

What is the deductible?

This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. You pay the deductible if you are 18 years or older and need reimbursement in the general insurance.

There are two kinds of deductible in the Netherlands, the compulsory deductible and the voluntary deductible.

The compulsory deductible for 2019 is €385 and it is determined by the government.

Voluntary deductible

On top of the compulsory deductible, you can also opt to have a voluntary deductible. If you have the Zorg-op-maatpolis or Zorgkeuzepolis, you can choose a €485, €585, €685, €785, or €885 voluntary deductible. The higher the voluntary deductible you choose, the lower your premium will be. If yours is the Zorgbewustpolis, you can only choose a voluntary deductible of €885.

No deductible

The deductible does not apply to:

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.

3 Choose an additional insurance

Choose for bigger reimbursements. For example, physiotherapy, glasses, or emergency abroad.

No additional insurance

additional

Start

€ 1,95 /month

Well covered for urgent medical care abroad

'Start'

Additional insurance

Reimbursements

Reimbursed

Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Dental care
Flu vaccines

If you want more extensive reimbursements for dental costs, take a look at our dental insurance packages.

additional

Basis

€ 7,90 /month

Increase your reimbursements by including things such as 9 physiotherapy sessions

'Basis'

Additional insurance

Reimbursements

View all the reimbursements (in Dutch)

Reimbursed

Physiotherapy and exercise therapy: 9 sessions
Alternative treatment methods: € 250 (max. € 30 per day)
Contraceptives: € 200 per year
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

Not reimbursed

Dental care
Flu vaccins

If you want more extensive reimbursements for dental costs, take a look at our dental insurance packages.

additional

Plus

€ 20,10 /month

Extra peace of mind and even more extensive reimbursements

'Plus'

Additional insurance

Reimbursements

Reimbursed

Physiotherapy and exercise therapy: 18 sessions per year
Alternative treatment methods: € 450 (max. € 40 per day)
Glasses and contact lenses: € 100 per two years
Hearing aids: per hearing aid, € 100 of the statutory personal contribution
Contraceptives: € 200 per year
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Dental care

If you want more extensive reimbursements for dental costs, take a look at our dental insurance packages.

additional

Top

€ 36,95 /month

Regularly need healthcare? Choose ‘Top’ peace of mind

'Top'

Additional insurance

Reimbursements

Reimbursed

Physiotherapy and exercise therapy: 30 sessions per year
Alternative treatment methods: € 650 (max. € 40 per day)
Glasses and contact lenses: € 200 per two years
Hearing aids: per hearing aid, € 200 of the statutory personal contribution
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Dental care
Flu vaccins

additional

Jongeren

€ 19,35 /month

Affordable package, including dental insurance

'Jongeren'

Additional insurance from € 19.35 per month.

The premium depends on your age. The year after you turn 30, your premium for this package will increase. Your premium wil be € 26.35 per month.

Reimbursements

Reimbursed

Physiotherapy and exercise therapy: 9 sessions per year
Alternative treatment methods: € 200 per year (max. € 30 per day)
Glasses and contact lenses: € 100 per two years
Contraceptives: € 200 per year
50 free condoms per year
100% reimbursement of dental check-ups
75% for other oral care (max. € 450 per year)
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Stammer therapy: therapy and accommodation costs
Higher costs for physiotherapy and/or exercise therapy

If you want more extensive reimbursements for dental costs, take out dental insurance with us.

The ‘Jongeren’ and ‘Gezinnen’ additional insurance packages already include cover for dental costs.

additional

Gezinnen

€ 48,20 /month

Including physiotherapy and dental insurance

'Gezinnen'

Additional insurance

Reimbursements

Reimbursed

Physiotherapy and exercise therapy: 12 sessions per person per year
Obstetric care: reimbursement of the personal contribution
Alternative treatment methods: € 350 per person per year (max. € 40 per day)
Glasses and contact lenses: € 200 per person per two years
Contraceptives: € 200 per year
Dentist: 100% for check-ups, 100% for other oral care, maximum of € 250 per person per year
Orthodontics: ‘CZ Brace Plan’ (beugelplan) for children up to the age of 22, annually increasing reimbursement (up to € 2,500)
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Higher costs for physiotherapy and/or exercise therapy

If you want more extensive reimbursements for dental costs, take out dental insurance with us.

The ‘Jongeren’ and ‘Gezinnen’ additional insurance packages already include cover for dental costs.

additional

50+

€ 17,45 /month

Healthcare to suit your stage of life, including physiotherapy

'50+'

Additional insurance

Reimbursements

Reimbursed

Physiotherapy and exercise therapy: 15 sessions per year
Alternative treatment methods: € 350 per person per year (max. € 40 per day)
Glasses and contact lenses: € 100 per person per two years
Hearing aids: per hearing aid, € 300 of the statutory personal contribution
Flu jab: once a year
Urgent medical care abroad
Medically necessary transport to the Netherlands during urgent care
Urgent dental care abroad: € 275
Dental costs after an accident: € 10,000
Accommodation costs for one room (e.g. a Ronald McDonald house): € 500
Drop-in centres for cancer patients/survivors and their families: € 150
Exercise programmes: up to € 350 every 3 years (only for certain conditions)

View all the reimbursements (in Dutch)

Not reimbursed

Dental care

If you want more extensive reimbursements for dental costs, take a look at our dental insurance packages.

View the package overview (pdf - 3 MB)

Health insurance cards additional insurance (in Dutch)

4 Choose a dental insurance

No dental insurance

You do not need to take out separate dental insurance, as the additional insurance package you selected already includes dental insurance.

additional

Tandarts

€ 20,85 /month

Dental costs reimbursed up to €450 per year

'Tandarts'

Additional insurance

Reimbursed

Maximum reimbursement: € 450 per year
Check-ups: 100% covered; 75% for other treatments
Oral care in the case of accidents: € 10,000
Orthodontic care up to the age of 22: 80%, max. € 2,045 (once only)
Orthodontic care from the age of 22: 80%, maximum € 345 (once only)

Not reimbursed

Dental reports
Cosmetic treatment like external whitening
Cost of a dental subscription package

additional

Uitgebreide Tandarts

€ 37,50 /month

Dental costs reimbursed up to €1,150 per year

'Uitgebreide Tandarts'

Additional insurance

Reimbursed

Maximum reimbursement: € 1,150 per year
Check-ups: 100% covered
Other oral treatments: 75% covered
Oral care in the case of accidents: €10,000
Orthodontic care up to the age of 22: 80%, max. € 2,045 (once only)
Orthodontic care from the age of 22: 80%, maximum € 345 (once only)

Not reimbursed

Dental reports
Cosmetic treatment like external whitening
Cost of a dental subscription package

Dentist's statement

When you take out this package, CZ will assess your teeth based on a statement from your dentist before deciding whether to accept your application.

You need a statement from your dentist for this dental insurance.

View the package overview (pdf - 3 MB)