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Your CZ general insurance

The general insurance policy covers most important healthcare:

  • General practitioner
  • Hospital
  • Medicines
  • Obstetrician and obstetric care
  • Dental care up to the age of 18
Select your general insurance policy

CZ’s general insurance policies 2022

Difference between our general insurance policies

All our general insurance policies provide the same good cover, and you can go to more than 45,000 healthcare providers for treatment. However, your reimbursement when using healthcare providers who do not have a contract with us for the healthcare you receive differs depending on your policy. Another difference is the voluntary deductible amount that you can choose.

Benefit from group health insurance cover

About 10,000 employers, sports clubs and member organisations have taken out group insurance with us. You benefit from many advantages under a group health insurance scheme.

  • Discount for both you and your family
  • Additional reimbursements + a special prevention allowance
  • Exclusive access to apps, training courses and health programmes

Take out group health insurance

Children under 18 co-insured free of charge

You do not pay a premium or have a deductible for children under 18. Your child is also covered under your or your partner’s additional insurance package. We check which of you has the most extensive additional insurance package and include your child, completely free of charge.

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The compulsory deductible is €385 per year. If you need healthcare covered by your general insurance policy, you will have to pay the first €385 yourself. After reaching this threshold, you will receive a reimbursement. Your deductible does not apply to the following:

  • General practitioner
  • Obstetric care
  • Children under 18
  • Care provided under the additional insurance package

Higher deductible = lower premium

On top of the compulsory deductible, you can opt to have an extra voluntary deductible up to a maximum of €885. If you do so, your premium will be lower, but you will have to pay more if you do require healthcare. Check out how much you can save.

Annual deductible Monthly discount
 €385 €0
 €485 €3
 €585 €6
 €685 €9
 €785 €12
 €885 €17.50

Read more about the deductible

Extra cover with an additional insurance

You can take out insurance for healthcare not included in the general insurance policy, such as physiotherapy, glasses or emergency care in foreign countries.

Choose your package Take a look at all the additional packages
Young man at the physiotherapist

Top service

Submit claims quickly and fast in the app, and ask the CZ Healthcare Team all your questions. Our service is always personal.

Most generous reimbursements

For exactly the healthcare you need, whatever happens.

Over 20 benefits

From a discount on gym membership to help losing weight or a free skin check.

Register and switch

Compare our general insurance policies and take out your health insurance online now.

Calculate your premium
  • 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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