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CZ’s general insurance policies 2025
Directly take out a general insurance policy?
Zorgbewustpolis
100% reimbursement when using healthcare providers who have a contract with us for your healthcare
70% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 70% of the contracted rates.
Option of increasing the deductible by €885
Zorg-op-maatpolis
Most popular
per month with a deductible of €385
100% reimbursement when using healthcare providers who have a contract with us for your healthcare
75% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 75% of the contracted rates.
Choice of 5 voluntary deductibles
Zorgvariatiepolis
per month with a deductible of €385
100% of the bill will be reimbursed up to the reasonable market rate in the Netherlands.
100% reimbursement when using healthcare providers who have a contract with us for your healthcare
85% of your bill reimbursed with non-contracted district nursing or mental healthcare providers. The reimbursement is a maximum of 85% of the contracted rates.
Choice of 5 voluntary deductibles
Difference between our general insurance policies
With all our general insurance packages you are insured equally well. You can visit at least 45,000 care providers. However, the reimbursement for non-contracted care providers differs per general insurance, as well as the voluntary deductible you can choose, and whether you receive your healthcare matters online or by post.
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
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.
Deductible
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 Zorgbewust | Monthly discount Zorg-op-maat and Zorgvariatie |
|---|---|---|
| €385 | € 0 | € 0 |
| €485 | €3 |
|
| €585 | €6 |
|
| €685 | €9 |
|
| €785 | €12 |
|
| €885 | €15 | €15 |
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.
Register and switch
Compare our general insurance policies and take out your health insurance online now.
- We will cancel your current insurance policy for you.
- You have a 14-day cooling-off period.
- Children under 18 co-insured for free
Frequently asked questions
What is the general insurance policy?
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.
What is covered under the general insurance policy?
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 Actueel jaar, 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
What dental care is reimbursed under the general insurance policy?
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.
Is physiotherapy reimbursed under the general insurance policy?
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.
I have the Zorgbewustpolis, how do I receive messages from you?
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.