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‘Zorgkeuzepolis’ general insurance

This is our general insurance policy with the most options.

‘Zorgkeuzepolis’ at a glance

  • The choice of healthcare provider is entirely up to you
  • 100% reimbursement, also when using healthcare providers who do not have a contract with us for your treatment
  • Choice of 5 voluntary deductibles on top of the compulsory deductible

Reimbursed

  • Treatment by a general practitioner and medical specialists
  • Hospital visits
  • Transport by ambulance
  • Medicines and medical aids
  • Obstetrician
  • Obstetric care
  • Speech and language therapy
  • Dietetics
  • Dental costs for children under the age of 18

View all the reimbursements (in Dutch)

Not reimbursed

  • Skin therapy
  • Carer relief
  • Alternative treatment methods
  • Oral care from the age of 18
  • Orthodontic care

Would you like extra or more extensive reimbursements?
View our additional insurance packages

Choice of over 45,000 healthcare providers

We have contracts with nearly all healthcare providers in the Netherlands. Using a healthcare provider who has a contract with us for the healthcare or treatment you need has plenty of advantages.

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.

Find a healthcare provider or supplier with a contract for the healthcare you receive (in Dutch)

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.
  • Children under 18 are co-insured free of charge.

All messages in one place

You will receive our messages digitally in My CZ. This way you will never lose anything again. Useful! Prefer receiving physical mail? No problem. Please contact our Customer Service.

Insurance policies

Reimbursements and terms and conditions

Do you have any question? Please contact our Customer Services

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