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.

Children under 18 co-insured without charge

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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.

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.