Basisverzekering Zorgvariatiepolis

You choose which healthcare provider to visit and you choose your voluntary deductible too. And, as always, you get CZ’s tried and trusted service.

Discover the ‘Zorgvariatiepolis’

  • Our general insurance policy with the most freedom of choice

  • 85% of your bill reimbursed with non-contracted district nursing or mental healthcare providers. The reimbursement is a maximum of 85% of the contracted rates.
  • Choice of 5 voluntary deductibles
  • You decide how to arrange your healthcare matters: digitally or by post

What’s covered under the general insurance

Every year, the government decides what reimbursements are covered by the general insurance policy, so those are the same everywhere, with us and all other health insurers. To give a few examples:


  • 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

‘Zorgvariatiepolis’: the most freedom of choice

The biggest difference between the general insurance policies is your reimbursement for healthcare providers without a contract. In the case of the ‘Zorgvariatiepolis’, that's a maximum of 100%, up to the market rate applicable in the Netherlands. The only exceptions are district nursing and mental healthcare: the reimbursement here is up to 85% of the rate for healthcare providers with a contract. There are still additional advantages when you visit a contracted healthcare provider though.

Reimbursement of contracted healthcare

100% reimbursement when using healthcare providers who have a contract with us for your healthcare

  • Choose from among 45,000 healthcare providers
  • The best healthcare and the shortest waiting period
  • No need to pay up front: we pay the healthcare provider

Reimbursement for non-contracted healthcare

100% of the bill will be reimbursed up to the reasonable market rate in the Netherlands.

With the exception of district nursing and mental healthcare: we reimburse a maximum of 85% of the rate charged by contracted healthcare providers.

  • No agreements on quality and availability
  • Pay the bill yourself and claim the costs back from us
  • Market rate: you do not receive more than the market rate that applies in the Netherlands for a particular treatment


Choose between 6 deductibles

The selection of higher deductibles also differs per general insurance policy. You have 6 choices with the ‘Zorg-op-maatpolis’ policy: besides the This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2024, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy. of €385, you can opt for a voluntary deductible of €485, €585, €685, €785 or €885. You will get a discount on your premium when you opt for a higher deductible. Do keep in mind, however, that you will need to pay the first €485 to €885 in healthcare costs yourself should you need care.

3 reasons to opt for CZ’s ‘Zorgvariatiepolis’


The greatest freedom of choice


Healthcare is always close by


You select your deductible

Frequently asked questions about the general insurance

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.

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