The deductible does not apply to:

• appointments with your general practitioner (a blood test ordered by your GP, however, does come under the deductible)

• children aged under 18

• midwifery care (including insertion of an IUD by an obstetrician)

• obstetric care

• medical aids on loan

• multidisciplinary care

• non-invasive prenatal test (NIPT) on medical grounds

• nursing and personal care (district nursing)

• healthcare costs and travel costs in the event of organ donation

• foot care from a podiatrist for patients with diabetes mellitus

• population screening (the deductible does apply to any follow-up screening)

• healthcare reimbursed under your additional insurance package

All other healthcare covered by the general insurance policy is subject to the deductible, and you may also be required to pay a personal contribution.

If you have a ‘Zorgbewustpolis’, CZ will refund your compulsory deductible up to an amount of €385 in case of:

• Pelvic physiotherapy in connection with urinary incontinence

• Walking therapy to treat intermittent claudic