‘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
- 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
- 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
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
Insure more than the basics
Of all our customers, 80% take out an additional insurance package with extra reimbursements, such as for physiotherapy and oral care. See which package is right for you.
Additional insurance packages
Get cover for other healthcare too, like urgent care abroad, physiotherapy, glasses and contact lenses, or alternative healthcare, from as little as €2.15 per month.
Dental insurance packages
Need cavities filled, a crown, dental cleaning or braces? Dental costs are often high. For as little as €25.30 per month, you have dental care cover too.
Other general insurance policies
You may want to be free to choose your own healthcare provider. Or perhaps you would prefer a lower premium. We have 2 other general insurance policies as well.