Your general insurance policy in 2020

The general insurance policy covers the main types of healthcare you receive, such as from your general practitioner, the hospital and the pharmacy. You can take a look at and compare the three general insurance policies we offer below.

Children under 18 co-insured without charge

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How the general insurance policies differ

Every year, the government decides what healthcare is covered by the general insurance policy. Although this is the same for all general insurance policies, there are differences. The premium for the ‘Zorgbewustpolis’, for example, is slightly lower because you arrange everything yourself online and your reimbursement when using healthcare providers who do not have a contract with us for the healthcare you receive will be lower. But with a choice of over 45,000 contracted healthcare providers, you will never face any surprises with us.


When you receive healthcare under the general insurance policy, you pay the first €385 of the costs yourself (amount for 2020). This is called the This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2020, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy.
. The amount of the compulsory deductible is set by the Dutch government. If you opt for a higher deductible, you will receive a discount on your premium.

Read more about the deductible

More cover with an additional insurance package

If you think you will need more healthcare, simply select one of our additional insurance packages. You can get extra or more extensive reimbursements for:

  • urgent medical care abroad
  • physiotherapy
  • alternative treatment methods
  • dental care from the age of 18 and orthodontic care.

Take a look at our additional insurance packages

Group insurance discount

Group health insurance gives you a discount on your premiums and more. It can be arranged through your employer or your member organisation, and there is group insurance specially for self-employed people too.
More about group insurance

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.
  • CZ accepts everyone. We’d be happy to welcome you too.
  • Children under 18 are automatically co-insured free of charge.