Aanvullende verzekering Top

This is our most extensive additional insurance package with the highest level of reimbursements.

Main reimbursements

  • 20x Physiotherapy (roll over max 5 unused sessions to the next year)

  • Alternative healthcare € 550

  • Glasses and contacts € 125

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

Our ‘Top’ additional insurance package includes an impressive 20 sessions of physiotherapy per year. What’s more, it covers alternative healthcare, contraceptives, a hearing aid and more. Here are some of the reimbursements we offer:


  • Physiotherapy: 20 sessions per person per year (rollover up to 5 unused sessions to the next year)
  • Alternative healthcare: €550 per year
  • Glasses and contact lenses: €125 per 2 years
  • Acne treatment: €230 per person per year
  • Orthotic insoles: €75 per year
  • Contraceptives from the age of 21: 100%
  • Hearing aid: €200 reimbursement for personal contribution
  • Sterilisation: €400 (male) or €1,250 (female)
  • Foot treatment: €115 per year
  • Dietary advice: €100 per year
  • Sports medicine-related advice: €150 per year
  • Carer services

Not reimbursed

  • Dentist
  • Orthodontist
  • Condoms
  • Online health programmes
  • Flu jab

The following is covered under every additional insurance package

  • Urgent medical care worldwide: 100%
  • Urgent dental care abroad: €275 per year
  • Oral care in the event of accidents: €10,000 per accident
  • Exercise programme: €350 per 3 years
  • Accommodation costs: €500 per year
  • Drop-in centres for cancer patients/survivors: €150 per year
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4 reasons to choose CZ’s ‘Top’ additional insurance package


The most peace of mind

With cover for up to 20 sessions of physiotherapy, as well as alternative healthcare and glasses and contact lenses, you get the most peace of mind and the highest reimbursements


No deductible

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


Personal contact

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


We are the trusted experts

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

Frequently asked questions

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.

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.

No, you never have to pay the deductible for healthcare covered by your additional dental insurance package.

If you would like to see the details of everything that’s covered, you can read about all the reimbursements. Or you can take a look at the package overview to see at a glance what’s covered under the general insurance and each of the packages.

To see the fine print on our rules, regulations and agreements, read our terms and conditions.

Take out the ‘Top’ additional insurance package now

Choose the ‘Top’ additional insurance package and you’ll also be covered for physiotherapy, alternative healthcare, glasses and contact lenses, and much more.

Calculate your premium in just 2 minutes
  • Convenient cancellation service
  • You have a 14-day cooling-off period.
  • Children under 18 co-insured for free

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