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CZ's additional insurance packages 2025
Directly take out an additional insurance package?
Start
per month
Urgent healthcare abroad up to 100% (worldwide)
Urgent dental care abroad € 275
Dental care after an accident up to €10,000
Basis
per month
Physiotherapy: 9 sessions (roll over max 5 unused sessions to the next year)
Personal contribution for obstetric care: 100%
Dental costs after an accident: €10,000
Plus
per month
12x Physiotherapy (roll over max 5 unused sessions to the next year)
Alternative healthcare €350, max €40 per day
Glasses and contacts €100
Top
per month
20x Physiotherapy (roll over max 5 unused sessions to the next year)
Alternative healthcare €550, max €40 per day
Glasses and contacts €125
Jongeren
per month
9x Physiotherapy (roll over max 5 unused sessions to the next year)
Dental costs: 75% up to €450
Contraceptives and condoms
Gezinnen
per month
12x Physiotherapy (roll over max 5 unused sessions to the next year)
Orthodontics up to 18 years: 100% up to € 2,045
Dental care up to € 250
50+
per month
13x Physiotherapy (roll over max 5 unused sessions to the next year)
Alternative healthcare € 350
€ 300 coverage of the costs you have to pay yourself for hearing aids
Children are co-insured at no extra charge under the most comprehensive package
Choose the best possible cover for yourself and your child. Children until the age of 18 are co-insured free of charge under the most comprehensive additional insurance package. That’s reassuring.
A package for every situation
When you take out additional insurance under one of our packages, you receive extra reimbursements for healthcare not included in the general insurance policy. We let you choose. The options range from your primary healthcare needs to special packages for young people, families or the over 50s.
Exclusive packages for your group insurance
If you decide to take out group insurance through your employer, sports club or your member organisation, you can also take out an additional insurance package that has been specially developed for your group at the same time.
Register and switch
Compare our additional insurance policies and take out your health insurance online now.
- We will cancel your current insurance policy for you.
- You have a 14-day cooling-off period.
- Children under 18 co-insured for free
Frequently asked questions
Does the deductible apply to healthcare covered by the additional insurance package?
No, you never have to pay the deductible for healthcare covered by your additional dental insurance package.
Can I take out or change an additional insurance package at any time during the year?
You can only do so from 1 January of the following year. There are 2 exceptions:
- When you turn 18
- In some cases, when you start a new job
Can I take out an additional insurance package with CZ on its own?
No, this is not possible. However, if you already have the general insurance policy and an additional insurance package with us, you can cancel the general insurance policy separately and continue the additional insurance package. Note that you will have to pay a surcharge of 25% on the premium for the additional insurance package.
What is an additional insurance package?
An additional health insurance package is an insurance for healthcare that is not included in your general insurance. You can choose for an additional package when you need glasses or lenses, when you are pregnant, or when you want reimbursements for alternative healthcare.
Why do I need an additional insurance package?
You can take out an additional health insurance in order to prevent high healthcare costs. Do you suffer from cavities in your teeth, are you getting braces or do you want to be well insured in case you need healthcare abroad? In these cases you can take out an additional insurance package.
When do I have to take out a new health insurance policy?
Take out a new health insurance when you:
- turn18 years old
- come to live in the Netherlands
- return from your military service
- are co-insured but you want your own health insurance policy
Do you already have a health insurance, and do you want to switch to CZ from the 1st of January? Make sure to register and switch to CZ before the 1st of January. We will cancel your current insurance policy.