Changes to the ‘Comfort’ and 'Comfort Extra Collectief' additional insurance package in 2021

Below you will find the changes that will take effect from 1 January 2021, which will apply to the ‘Comfort’ and 'ComfortExtra Collective' additional insurance package.

Alternative treatment methods and medicines

The costs of alternative treatment methods and medicines will no longer be reimbursed.


Reimbursement for physiotherapy is being reduced from 15 to 9 treatments.

Urgent medical care abroad

The costs of urgent medical care received during a temporary stay abroad are fully reimbursed under the additional insurance package. In 2020, you only received full reimbursement of these costs in the EU/EEA countries and treaty countries.

Reimbursement for physiotherapy from a non-contracted physiotherapist

If you visit a physiotherapist with whom we do not have a contract, you will be reimbursed a maximum of 50% of the average rate agreed with our contracted physiotherapists. If the rate applied on your invoice is lower than this rate, we will reimburse 50% of the invoice. This is currently 75%.

Healthcare costs in the event of negative travel advice

If the Dutch government issues negative travel advice (orange or red) prior to you travelling abroad due to the outbreak of a contagious disease, for example COVID-19, any healthcare costs relating to this incurred abroad will not be reimbursed under the additional insurance package.

Reimbursements 'Comfort' and 'ComfortExtra Collective' additional insurance package

Download the reimbursements overview for 'Comfort'

Download the reimbursements overview for 'ComfortExtra Collectief'

CZ Customer Services