Choose the health insurance that is right for you

KLM gives you the choice between CZdirect and CZ group health insurance. Would you prefer comprehensive insurance or do you only want cover for the most important healthcare? Choose the health insurance that matches your preference and take advantage of group benefits'.

> Bekijk de Nederlandse versie

Compare health insurance options

  CZdirect CZ 
Insured in 2024 with a deductible of €385 Starting from just €140.50 per month Starting from just €143 per month
Discount on additional insurance
20 %
Discount on dental insurance  20 %
Roll up to 5 unused physiotherapy sessions   
Personal allowance to take a preventive approach to your health €150
€150 to €250 
Extra group reimbursements to stay fit and healthy


 
View your offer > Choose CZdirect > Choose CZ

Top service

Submit claims quickly and fast in the app, and ask the CZ Healthcare Team all your questions. Our service is always personal.

Physio rollover

Not used all your physiotherapy sessions this year? Don’t worry. As many as 5 unused sessions will be rolled over to the next year.

Discover CZ Extra

Get extra health and healthcare support. And it’s included in your health insurance.

No worries with reimbursement guarantee

When you take out health insurance, you naturally want to know whether your healthcare will be reimbursed. That’s why CZ gives you give a reimbursement guarantee right from the moment we announce our premiums. If we’re still negotiating with a hospital at that point, your healthcare will be reimbursed next year, whatever the outcome. So you don’t need to wait for the negotiations to finish before getting treatment. To find out whether you will receive reimbursement for your healthcare, simply check the CZ ‘Zorgvinder’ .

Frequently asked questions

CZ has three general insurance policies:

  1. ‘Zorgbewustpolis’. This is an in-kind policy. You will receive 100% reimbursement from healthcare providers with a contract for your care. You get 70% of non-contracted healthcare reimbursed. With this policy, you take care of your healthcare matters online.

  2. ‘Zorg-op-maatpolis’. This is an in-kind policy. You will receive 100% reimbursement from healthcare providers with a contract for your care. You get 75% of non-contracted healthcare reimbursed.

  3. ‘Zorgvariatiepolis’. This is a combination policy. You will receive 100% reimbursement for contracted and non-contracted healthcare. With the exception of non-contracted district nursing and mental health care. This reimbursement is a maximum of 85% of the rate of healthcare providers with a contract. You pay the remaining amount yourself.

CZdirect offers one general insurance policy. Given that this policy is not a refund policy, what healthcare provider you choose is more important. Healthcare provided by a non-contracted healthcare provider will be reimbursed at 65%.

  CZdirect CZ 
Discount on additional insurance
20 %
Discount on dental insurance  20 %
Reimbursement for physiotherapy 4 to 6 sessions 
6 to 37 sessions
Roll up to 5 unused physiotherapy sessions  
Reimbursement for dental care and check-ups €100 to €250
€250 to €1,150
Reimbursement for orthodontic care
Personal allowance to take a preventive approach to your health €150
€150 to €250
Extra group reimbursements to stay fit and healthy*
5 extra physiotherapy treatments with the packages BasisExtra KLM, PlusExtra KLM and TopExtra KLM
Especially for KLM: full reimbursement for vaccinations when traveling abroad

*Group health insurance with CZ comes with even more reimbursements, such as for online mindfulness training, an intake with the work-related physiotherapist, or a menopause consultation.

At both CZ and CZdirect, you get more than 20 (group) services and extra benefits with CZ Extra. These extra benefits include personal advice from the CZ Healthcare Team (‘Zorgteam’) and various customer benefits such as a discount on sportswear, glasses or contact lenses. And you also get the free online training on FitzMe to work towards a healthy lifestyle. If you want to train with a personal online coach, choose CZ and get started with a training routine that is right for you.

Questions? Please contact us