‘Zorgkeuzepolis’ general insurance

You choose which healthcare provider to visit and you choose your voluntary deductible too. And, as always, you get CZ’s tried and trusted service.

Discover the ‘Zorgkeuzepolis’ 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:

‘Zorgkeuzepolis’: 100% reimbursement for all healthcare providers

The biggest difference between the general insurance policies concerns your reimbursement for healthcare providers without a contract. With the ‘Zorgkeuzepolis’, it doesn’t matter whether or not your healthcare provider has a contract with us: we will reimburse 100% of the bill. There are still additional advantages of visiting a healthcare provider with a contract with CZ though.

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 will reimburse 100% of the bill up to the reasonable market rate in the Netherlands.
  • No agreements on quality and availability
  • 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 ‘Zorgkeuzepolis’ policy: besides the compulsory deductible of €385, you can opt for a voluntary deductible of €100, €200, €300, €126.25 or €500. 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 €135.25 to €500 in healthcare costs yourself should you need care.

3 reasons to opt for CZ’s ‘Zorgkeuzepolis’ policy


You are free to choose your own healthcare provider

100% reimbursement when you choose your own healthcare provider


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 about the general insurance

Take out your health insurance now

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

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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