‘Zorg-op-maatpolis’ general insurance

This is our most popular general insurance policy, with even more choice. And, as always, with CZ’s tried and trusted service.

Discover the ‘Zorg-op-maatpolis’ policy

  • Our general insurance policy with the most freedom of choice
  • Choice of 6 deductibles, from €385 to €885
  • 100% reimbursement for all healthcare providers (including those with no contract with CZ)
  • Decide for yourself: arrange your healthcare matters online or by post

What’s covered under the general insurance

Every year, the government decides what healthcare is covered under the general insurance; this applies equally to all health insurers. To give a few examples:

‘Zorg-op-maatpolis’: 75% reimbursement when using non-contracted healthcare providers

The biggest difference between the general insurance policies concerns your reimbursement for healthcare providers without a contract. Under the ‘Zorg-op-maatpolis’ policy, you are reimbursed 75% when you go to a healthcare provider who does not have a contract with CZ. If you go to a healthcare provider with a contract, you are reimbursed more. And there are other advantages too:

Reimbursement of contracted healthcare

We will reimburse 100% of your invoice
  • Choose from among 45,000 healthcare providers
  • The best healthcare and the shortest waiting period
  • No need to pay up front: we pay the healthcare provider

Reimbursement for non-contracted healthcare

We reimburse 75% of the average rate that we have agreed with healthcare providers who have a contract with CZ
  • No agreements on quality and availability
  • You pay the bill yourself and claim the costs back from us

Choose between 6 deductibles

The selection of higher deductibles also differs per general insurance policy. You have 6 choices with the ‘Zorg-op-maatpolis’ policy: besides the compulsory deductible of €385, you can opt for a voluntary deductible of € 485, € 585, € 685, € 785 or € 885. You will get a discount on your premium when you opt for a higher deductible. Do keep in mind, however, that you will need to pay the first € 485 to € 885 in healthcare costs yourself should you need care.

3 reasons to opt for CZ’s ‘Zorg-op-maatpolis’


Choose from among 45,000 healthcare providers

Get 100% reimbursed for care at all hospitals in the Netherlands, and from over 45,000 other healthcare providers


Healthcare is always close by

You can go to any hospital in the Netherlands


Choose between 6 deductibles

Choose between 5 voluntary deductibles, in addition to the compulsory deductible

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Frequently asked questions

Take out this health insurance now

Compare our general insurance policies and take out your health insurance online on the spot.

Calculate your premium in just two minutes
  • Convenient cancellation service
  • 14-day cooling-off period
  • Free or charge for children under 18
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