Aanvullende verzekering Start

Additional peace of mind for urgent medical care abroad or dental costs following an accident.

Find out all about the ‘Start’ additional insurance package

  • Urgent healthcare abroad up to 100% (worldwide)

  • Dental care after an accident up to €10,000

  • Urgent dental care abroad € 275

This is what’s included in the ‘Start’ package

Just imagine it — you’re on holiday and you suffer acute appendicitis, or your teeth get chipped as the result of an accident. It can happen to anyone, and it often ends up costing a lot of money. With the ‘Start’ additional insurance package, you are well insured for unexpected costs like these. Here are some of the reimbursements we offer:


  • Urgent medical careworldwide: 100%
  • Medically necessary transport to the Netherlands
  • Urgent dental care abroad: €275
  • Dental costs following an accident: up to €10,000
  • Exercise programmes: up to €350 every 3 years
  • Accommodation costs: €500 (e.g. Ronald McDonald house)
  • Drop-in centres for cancer patients and survivors: €150 per year

Not reimbursed

  • Physiotherapy
  • Dental care
  • Orthodontic care
  • Alternative healthcare
  • Glasses and contact lenses
  • Contraceptives from the age of 21
  • Acne treatment
  • Orthotic insoles
  • Flu jab
  • Sterilisation
  • Online health programmes

If you would like to have this healthcare covered as well, take a look at our other additional insurance packages and/or dental insurance packages

4 reasons to choose CZ’s ‘Start’ additional insurance package


Additional peace of mind

Accidents happen. When they do, it’s good to know you’re covered, even when you’re travelling abroad


No deductible

There’s no deductible for healthcare provided under the additional insurance package


We are the trusted experts

We have over 90 years’ experience in insuring healthcare and providing customised healthcare advice


Personal contact

Personal contact is still an option with us. You can visit a mobile branch or one of the 18 service centres

Frequently asked questions

The general insurance policy provides cover for your main healthcare expenses. For example, healthcare provided in the hospital or by your general practitioner, obstetric care and medicines. Every year, the government decides exactly what healthcare is covered by the general insurance policy. You pay a premium for the healthcare included in the general insurance policy. The general insurance policy is compulsory in the Netherlands.

The general insurance policy provides cover for your main healthcare expenses, such as healthcare provided by general practitioners, urgent medical care, specialist medical care, medicines and psychological healthcare. Every year, the government determines the exact cover provided by the general insurance policy.

In Actueel jaar, the cover provided by the general insurance policy includes:

  • general practitioner care
  • visits to the hospital
  • transport by ambulance
  • medicines and medical aids
  • obstetrician
  • obstetric care
  • speech and language therapy
  • dietetics
  • dental care for children under 18

View all the reimbursements

Up to the age of 18, most dental costs are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses dental care in the form of dental surgery, removable dentures and special dental care in the case of serious disorders. If you would like to have these costs reimbursed, you should choose an additional insurance package that includes dental care, or one of the dental insurance packages we offer.

Up to the age of 18, most treatments provided by the physiotherapist are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses physiotherapy in a few specific cases. If you would like to have the costs of normal physiotherapy reimbursed, you should select an additional insurance package.

Take a look at all reimbursements for physiotherapy

Register or switch

Choose the ‘Start’ additional insurance package and join the 43,000 others who have gone before you. With this package you’re covered for healthcare abroad, accidents and other unexpected events.

Calculate your premium in just two minutes
  • You have a 14-day cooling-off period.
  • Children under 18 co-insured for free
  • Convenient cancellation service

Extra benefits with your insurance

When you take out insurance with CZ, you get a lot of extra benefits free of charge, including CZ’s 24/7 helpline for advice in case of health problems when you’re travelling abroad. You also get a discount on over 200 products ranging from glasses to sportswear.

See all benefits