‘Zorgbewustpolis’ general insurance

Your most important healthcare properly and affordably insured, with all the services and extra benefits of CZ.

Discover the ‘Zorgbewustpolis’ policy

  • Our most economical general insurance
  • Choice between 2 deductibles: €385 and €885
  • 100% reimbursed when using contracted healthcare providers, 70% with all others
  • Arrange your healthcare matters online

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:

‘Zorgbewustpolis’: 70% 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 ‘Zorgbewustpolis’ policy, you are reimbursed 70% 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:

Your reimbursement when using contracted healthcare providers

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

Your reimbursement when using non-contracted healthcare providers

We reimburse 70% of the average rate that we have agreed with healthcare providers who have a contract with CZ
  • No agreements on quality and availability
  • Pay the bill yourself and claim the costs back from us

Select a €385 or €885 deductible

The selection of higher deductibles also differs per general insurance policy. With the ‘Zorgbewustpolis’ policy you have 2 options, the compulsory deductible of €385 or the higher deductible of €885. If you opt for the higher deductible you will get a €17.50 discount on your monthly premium. Do keep in mind, though, that you will need to pay the first €885 in healthcare costs yourself should you need care.

4 reasons to opt for CZ’s ‘Zorgbewustpolis’


Our most economical general insurance

A low monthly premium of just €131.90


Healthcare is always close by

You can go to any hospital in the Netherlands


100% reimbursed when you use contracted healthcare providers

For those who do not have a contract with CZ, we reimburse a maximum of 70% of the costs


Choose between 2 deductibles

Choose between a €385 or €885 deductible

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Frequently asked questions about general insurance policies

Take out your health insurance now

Compare our general insurance policies, make your choice and take out your insurance on the spot. It’s as easy as that!

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