Your general insurance in 2019

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.

naturaSelect Basisverzekering

Zorgbewustpolis

€ 120,45per person per month with a deductible of € 385
Full reimbursement with 45,000 contracted healthcare providers
For non-contracted healthcare providers, we reimburse 70% of the bill submitted up to a maximum of 70% of the rate we have agreed with contracted healthcare providers
Arrange all your insurance matters easily online
natura Basisverzekering

Zorg-op-maatpolis

Meest gekozen
€ 124,80per person per month with a deductible of €385
Full reimbursement with 45,000 contracted healthcare providers
For non-contracted healthcare providers, we reimburse 75% of the bill submitted up to a maximum of 75% of the rate we have agreed with contracted healthcare providers
Arrange all your insurance matters the way you want: by post and online
restitutie Basisverzekering

Zorgkeuzepolis

€ 131,65per person per month with a deductible of €385
Full reimbursement with 45,000 contracted healthcare providers
We reimburse 100% of your bill, even if your healthcare provider does not have a contract with us, on the understanding that the amount the healthcare provider charges must be reasonable.
Arrange all your insurance matters the way you want: by post and online

Children under 18 co-insured without charge

Best claims app Really easy claim submission: bill - photo - send - done.
Help with your healthcare If you or a member of your family need healthcare, our healthcare advisers are here for you.
Insight into your healthcare costs ‘My CZ’ gives you instant insight into your healthcare costs.

Deductible

When you receive healthcare under the general insurance policy, you pay the first €385 of the costs yourself (amount for 2019). 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 2018 en  2019, 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.


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  • 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.