CZ’s general insurance policies 2023

The general insurance policy provides cover for your main healthcare expenses. For example, healthcare provided in the hospital or by your general practitioner, obstetric care and medicines. Every year, the government decides exactly what healthcare is covered by the general insurance policy. You pay a premium for the healthcare included in the general insurance policy. The general insurance policy is compulsory in the Netherlands.

The general insurance policy provides cover for your main healthcare expenses, such as healthcare provided by general practitioners, urgent medical care, specialist medical care, medicines and psychological healthcare. Every year, the government determines the exact cover provided by the general insurance policy.

In 2023, the cover provided by the general insurance policy includes:

• general practitioner care
• visits to the hospital
• transport by ambulance
• medicines and medical aids
• obstetrician
• obstetric care
• speech and language therapy
• dietetics
• dental care for children under 18

View all the reimbursements

Up to the age of 18, most dental costs are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses dental care in the form of dental surgery, removable dentures and special dental care in the case of serious disorders. If you would like to have these costs reimbursed, you should choose an additional insurance package that includes dental care, or one of the dental insurance packages we offer.

Up to the age of 18, most treatments provided by the physiotherapist are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses physiotherapy in a few specific cases. If you would like to have the costs of normal physiotherapy reimbursed, you should select an additional insurance package.

Take a look at all reimbursements for physiotherapy

From your new policy to completed claims, everything you need to know can easily be found in your 'Mijn CZ' (in Dutch) online portal. All your care matters in one convenient overview. And you will automatically receive an e-mail when a new message is waiting for you.