Changes in the CZ general insurances in 2021

Every year, the government decides which healthcare is covered by the general insurance policy. As a result, the reimbursements and terms and conditions that apply to your general insurance are set to change in 2021.

Day treatment in a group setting

Day treatment in a group setting will be reimbursed under the general insurance policy for people with an acquired brain injury, intellectual disability or a progressive, degenerative neurological disorder (such as Parkinson’s disease or MS) and for elderly people with multiple morbidities (i.e. several long-term conditions). This is currently still paid through a subsidy scheme.

No deductible for organ donors

If you donate an organ and incur healthcare costs due to this after a period of 13 weeks (six months in the case of a liver transplant), you will no longer be required to pay a deductible for these costs. Currently, this only applies to the donor check-up.

No deductible for an IUD inserted by an obstetrician

If your obstetrician inserts your IUD, you will not need to pay a deductible for this procedure.

Obstetric care

If you make use of the services of a self-employed obstetric nurse for your obstetric care, the costs of this will only be reimbursed if the nurse has an ‘AGB code’.

Exercise therapy for COPD extended

Due to the risk of a higher disease burden, the number of exercise therapy sessions is being extended for some people with COPD who come under GOLD classification class B. Class B is being split into B1 and B2. Your attending doctor will determine which class you come under.

The reimbursement for class B1 remains the same:

  • 27 sessions in the first year of treatment; and
  • 3 sessions per 12 months from the second year of treatment

The reimbursement for class B2 will be:

  • 70 sessions in the first year of treatment; and
  • 52 sessions per 12 months from the second year of treatment

Extension of other medical transport

Other medical transport for patients going to day treatment in a group setting will be reimbursed under the general insurance policy for people with an acquired brain injury, intellectual disability or a progressive, degenerative neurological disorder (such as Parkinson’s disease or MS) and for elderly people with multiple morbidities (i.e. several long-term conditions).

Statutory personal contributions and maximum reimbursements

The government is adjusting the personal contributions and maximum reimbursements. To see the new rates, please visit www.cz.nl/eigenbijdrage (in Dutch).

Transfer involving legal entity CZ Zorgverzekeringen

As of 1 January 2021, all activities and the ensuing rights and obligations under health insurance policies and packages administered by ‘Onderlinge Waarborgmaatschappij Centrale Zorgverzekeraars groep, Zorgverzekeraar U.A.’ will be brought under ‘Onderlinge Waarborgmaatschappij CZ groep U.A.’ (prior to 1 January 2021 called ‘Onderlinge Waarborgmaatschappij Centrale Zorgverzekeraars groep, Aanvullende Verzekering Zorgverzekeraar U.A.’) and subsequently transferred to CZ Zorgverzekeringen N.V. This change will not affect you.

If we stop administering a particular insurance policy or package, we will inform the insured of this at least three months before the moment of cancellation. If we do not offer an alternative, we will inform the insured at least six months in advance.

CZ Customer Services

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