‘Zorgkeuzepolis’ general insurance

This is our general insurance policy with the most options.

‘Zorgkeuzepolis’ at a glance

  • The choice of healthcare provider is strictly up to you – even one without a contract
  • We reimburse the costs of all healthcare providers in full, except any that send an unreasonably high invoice for the healthcare
  • Arrange your insurance matters online or by post


Choice of over 45,000 healthcare providers

CZ has contracts with nearly all healthcare providers in the Netherlands. Go to one of these contracted healthcare providers to take advantage of numerous benefits.

Reimbursement of contracted healthcare

We will reimburse 100% of the contracted rate.
  • The best healthcare quickly available.
  • No need to pay up front: CZ will pay the healthcare provider directly.

Reimbursement for non-contracted healthcare

We will reimburse 100% of the bill up to a maximum of 100% of the reasonable market rate in the Netherlands.
  • No agreements on quality and availability.
  • You pay the bill yourself and claim the costs back from us.

Register and switch

Compare our general insurance policies and take out your health insurance online now.

Calculate your premium in just two minutes
  • 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.