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Basisverzekering Zorgbewustpolis

Your most important healthcare properly and affordably insured, with all the services and extra benefits of CZ.

Discover the Zorgbewustpolis

  • Our most economical general insurance

  • Option of increasing the deductible by €885
  • 100% reimbursement when using healthcare providers who have a contract with us for your healthcare
  • 70% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 70% of the contracted rates.

  • Arrange your healthcare matters online

What’s covered under the general insurance

Every year, the government decides what healthcare is covered under the general insurance; this applies equally to all health insurers. To give a few examples:

Reimbursed

  • General practitioner
  • Hospital
  • Ambulance
  • Medicines and medical aids
  • Obstetric care and obstretic care
  • Speech and language therapy
  • Dietary advice
  • Dental costs for children under 18

View all the reimbursements

Not reimbursed

  • Physiotherapy from the age of 18
  • Dental care from the age of 18
  • Orthodontist
  • Alternative treatment methods
  • Glasses and contact lenses

For extra or more extensive reimbursements, take a look at our additional insurance packages

‘Zorgbewustpolis’: 70% reimbursement when using non-contracted healthcare providers

The biggest difference between the general insurance policies concerns your reimbursement for healthcare providers without a contract. Under the ‘Zorgbewustpolis’ policy, you are reimbursed 70% when you go to a healthcare provider who does not have a contract with CZ. If you go to a healthcare provider with a contract, you are reimbursed more. And there are other advantages too:

Your reimbursement when using contracted healthcare providers

100% reimbursement when using healthcare providers who have a contract with us for your healthcare
  • Choose from among 45,000 healthcare providers
  • Good agreements on quality and availability
  • No need to pay up front: we pay the healthcare provider

Your reimbursement when using non-contracted healthcare providers

70% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 70% of the contracted rates.
  • No agreements on quality and availability
  • Pay the bill yourself and claim the costs back from us

De Zorgvinder: check if your healthcare provider has a contract

We have agreements with over 45,000 healthcare providers, including all hospitals in the Netherlands and nearly all other care providers. That means top-quality care is always close by. Find your care provider via Zorgvinder.

Select a €385 or €885 deductible

The selection of higher deductibles also differs per general insurance policy. With the ‘Zorgbewustpolis’ policy you have 2 options, the compulsory deductible of €385 or the higher deductible of €885. If you opt for the higher deductible you will get a €15 discount on your monthly premium. Do keep in mind, though, that you will need to pay the first €885 in healthcare costs yourself should you need care.

4 reasons to opt for CZ’s ‘Zorgbewustpolis’

1

Our most economical general insurance

A low monthly premium of just €156.95 per month

2

Healthcare is always close by

You can go to any hospital in the Netherlands

3

100% reimbursed when you use contracted healthcare providers

For those who do not have a contract with CZ, we reimburse a maximum of 70% of the costs

4

Choose between 2 deductibles

Choose between a €385 or €885 deductible

Frequently asked questions about general insurance policies

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

Every year, the government decides what healthcare is covered for you under general insurance. This is the same for every health insurer. Each insurer determines how much premium you pay for a general insurance policy and with which healthcare providers they will sign a contract.

If you make no or little use of healthcare services, a general insurance policy will often provide sufficient cover. However, if you need extras like physiotherapy, go to the dentist frequently, or if you are pregnant, you may want to consider an additional insurance or 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.

From your new policy to completed claims, everything you need to know can easily be found in your 'Mijn CZ' (in Dutch) online portal. All your care matters in one convenient overview. And you will automatically receive an e-mail when a new message is waiting for you.

Take out your health insurance now

Compare our general insurance policies, make your choice and take out your insurance on the spot. It’s as easy as that!

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

Insure more than the basics

Of all our customers, 80% take out an additional insurance package with extra reimbursements, such as for physiotherapy and oral care. See which package is right for you.

Additional insurance packages

Get cover for other healthcare too, like urgent care abroad, physiotherapy, glasses and contact lenses, or alternative healthcare, from as little as €2.15 per month.

See our additional insurance packages

Dental insurance packages

Need cavities filled, a crown, dental cleaning or braces? Dental costs are often high. For as little as €27 per month, you have dental care cover too.

Take a look at our dental insurance packages

Other general insurance policies

You may want to be free to choose your own healthcare provider. Or perhaps you would prefer a lower premium. We have 2 other general insurance policies as well.

Take a look at all CZ general insurance policies