Calculate your premium

Compare CZ health insurances, calculate your premium in 4 simple steps and take out a health insurance for 2020.

  • You have a 14-day cooling-off period
  • Children under 18 automatically co-insured for free

Group insurance

Do you want to take out a group health insurance through your employer, a member organisation or as a self-employed person?

Take advantage of the many benefits with a group health insurance.

Group insurance
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These packages are for:

  • Extra reimbursements for staying healthy at work

  • 0%

    discount on your general insurance

  • 0%

    discount on your additional insurance

  • 0%

    discount on your dental insurance

Remove group insurance

Are you sure you want to remove your group insurance? Without your group insurance you will not receive a discount and other group benefits. If you still want to remove the group, than we will find a package for you that matches your previous selected packages as much as possible.
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You can take out group health insurance through with

This insurance includes:
  • Extra reimbursements for staying healthy at work

  • 0discount on your general insurance

  • 0discount on your additional insurance

  • 0discount on your dental insurance

1. Choose a general insurance

The general insurance is there for the main concern, for example for your family doctor, pharmacy or hospital.

Health insurance cards general insurance (in Dutch)

2. Choose your deductible

The higher your deductible, the bigger the discount on your premium.

€ 0discount/month
€ 3discount/month
€ 6discount/month
€ 9discount/month
€ 12discount/month
€ 17,50discount/month
discount/month
The deductible you can choose is different for each general insurance policy.

What is the deductible?

If you are receiving healthcare covered by your general insurance policy, you pay the first €385 of the costs yourself. This is called the ‘deductible’. The deductible applies solely to healthcare covered by the general insurance policy,

No deductible

You do not have to pay deductible for:

  • Appointments with your general practitioner
  • Children aged under 18
  • Midwifery care
  • Obstetric care
  • Medical aids on loan
  • Multidisciplinary care
  • Nursing and personal care (district nursing
  • Post-operative check-ups and travel costs for organ donors
  • Foot care from a podiatrist for patients with diabetes mellitus
  • Population screening

Voluntary deductible

On top of the compulsory deductible, you can also opt to have a voluntary deductible. The higher the voluntary deductible you choose, the lower your premium will be.

Height deductible Premium discount per year
 €385  €0
 €485  €36
 €585  €72
 €685  €108
 €785  €144
 €885  €210

3. Choose an additional insurance

Choose for bigger reimbursements. For example, physiotherapy, glasses, or emergency abroad.

View the reimbursements

Frequently sought after reimbursements Aanvullend Start
€ 1,95 /month
Aanvullend Basis
€ 8,10 /month
Aanvullend Plus
€ 21,35 /month
Aanvullend Top
€ 39,90 /month
Aanvullend Jongeren
€ 20,50 /month
Aanvullend Gezinnen
€ 51,20 /month
Aanvullend 50+
€ 18,50 /month
Emergency assistance abroad 100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
100%
100% of the claimed rate within the EU/EEA, Switzerland and treaty countries; in other countries, max. 2x the market rate applicable in the Netherlands (including the reimbursement from your health insurance)
Alternative treatment methods
Not reimbursed
€ 250 per year
€250 per year for alternative and/or psychosocial treatments (€30 per day) and medicines (100%) combined
€ 450 per year
€450 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€ 650 per year
€650 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€ 200 per year
€200 per year for alternative and/or psychosocial treatments (€30 per day) and medicines (100%) combined
€ 350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
€ 350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
Glasses, contact lenses and laser eye treatment
Not reimbursed
Not reimbursed
€ 100 per 2 years
€100 per 2 years
€ 200 per 2 years
€200 per 2 years
€ 100 per 2 years
€100 per 2 years
€ 200 per 2 years
€200 per 2 years
€ 100 per 2 years
€100 per 2 years
Physiotherapy from the age of 18
Not reimbursed
9 sessions per year
9 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
12 sessions per year
12 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
24 sessions per year
24 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
9 sessions per year
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
12 sessions per year
12 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
15 sessions per year
15 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
Dental care from the age of 18
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 250 per year
€250 per year
Not reimbursed
Orthodontic care
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 350
€350 (100% per treatment) for as long as you have this additional insurance package with us
up to the age of 22: € 1,000 up to € 2,500; € 345 from the age of 22
up to the age of 22: €1,000 in the first year that you have this insurance policy. In each subsequent year that you have this insurance policy, an additional €500 per year. Your total reimbursement is max. €2,500 from the age of 22: €345 (80% per treatment) for as long as you have this additional insurance package with us
Not reimbursed
Childbirth in hospital on medical grounds
Not reimbursed
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
Not reimbursed
100%
100% of the statutory personal contribution for a hospital birth that is not medically necessary
Not reimbursed
Hearing aids
Not reimbursed
Not reimbursed
€ 100
€100 of the statutory personal contribution per hearing aid
€ 200
€200 of the statutory personal contribution per hearing aid
Not reimbursed
Not reimbursed
€ 300
€300 of the statutory personal contribution per hearing aid
Treatment of facial acne
Not reimbursed
€ 230 per year
€230 per year
€ 230 per year
€230 per year
€ 230 per year
€230 per year
€ 230 per year
€230 per year
€ 230 per year
€230 per year
€ 230 per year
€230 per year

Compare reimbursements

Reimbursement details
Additional insurance Reimbursement
Start
Basis € 250 per year
€250 per year for alternative and/or psychosocial treatments (€30 per day) and medicines (100%) combined
Plus € 450 per year
€450 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
Top € 650 per year
€650 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
Jongeren € 200 per year
€200 per year for alternative and/or psychosocial treatments (€30 per day) and medicines (100%) combined
Gezinnen € 350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined
50+ € 350 per year
€350 per year for alternative and/or psychosocial treatments (€40 per day) and medicines (100%) combined

Reimbursement details
Additional insurance Reimbursement
Start
Basis 9 sessions per year
9 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
Plus 12 sessions per year
12 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
Top 24 sessions per year
24 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
Jongeren 9 sessions per year
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
Gezinnen 12 sessions per year
12 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)
50+ 15 sessions per year
15 sessions per year (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 75% of the bill up to max. 75% of the average rate agreed with therapists who have a contract with us)

Reimbursement details
Additional insurance Reimbursement
Start
Basis
Plus € 100 per 2 years
€100 per 2 years
Top € 200 per 2 years
€200 per 2 years
Jongeren € 100 per 2 years
€100 per 2 years
Gezinnen € 200 per 2 years
€200 per 2 years
50+ € 100 per 2 years
€100 per 2 years

Reimbursement details
Additional insurance Reimbursement
Start
Basis
Plus
Top
Jongeren € 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
Gezinnen € 250 per year
€250 per year
50+

Reimbursement details
Additional insurance Reimbursement
Start
Basis
Plus
Top
Jongeren € 350
€350 (100% per treatment) for as long as you have this additional insurance package with us
Gezinnen up to the age of 22: € 1,000 up to € 2,500; € 345 from the age of 22
up to the age of 22: €1,000 in the first year that you have this insurance policy. In each subsequent year that you have this insurance policy, an additional €500 per year. Your total reimbursement is max. €2,500 from the age of 22: €345 (80% per treatment) for as long as you have this additional insurance package with us
50+

Health insurance cards additional insurance (in Dutch)

4. Choose a dental insurance

Frequently sought after reimbursements Tandarts Tandarts
€ 22,10 /month
Tandarts Uitgebreide Tandarts
€ 39,85 /month
Aanvullend Jongeren
€ 20,50 /month
Aanvullend Gezinnen
€ 51,20 /month
Dental care from the age of 18 € 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 1,150 per year
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 250 per year
€250 per year
Orthodontic care once only € 2,045 up to the age of 18; € 345 from the age of 18
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
once only € 2,045 up to the age of 18; € 345 from the age of 18
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
€ 350
€350 (100% per treatment) for as long as you have this additional insurance package with us
up to the age of 22: € 1,000 up to € 2,500; € 345 from the age of 22
up to the age of 22: €1,000 in the first year that you have this insurance policy. In each subsequent year that you have this insurance policy, an additional €500 per year. Your total reimbursement is max. €2,500 from the age of 22: €345 (80% per treatment) for as long as you have this additional insurance package with us
Dentures € 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 1,150 per year
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
€ 250 per year
€250 per year

Compare reimbursements

Reimbursement details
Additional insurance Reimbursement
Tandarts € 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
Uitgebreide Tandarts € 1,150 per year
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care

Reimbursement details
Additional insurance Reimbursement
Tandarts once only € 2,045 up to the age of 18; € 345 from the age of 18
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies
Uitgebreide Tandarts once only € 2,045 up to the age of 18; € 345 from the age of 18
€2,045 up to the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies €345 from the age of 18 (80% per treatment) for as long as you have this additional insurance package with us; a 1-year waiting period applies

Reimbursement details
Additional insurance Reimbursement
Tandarts € 450 per year
€450 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care
Uitgebreide Tandarts € 1,150 per year
€1,150 per year for all oral care combined. We will reimburse 100% for check-ups (C11); 75% for other oral care

Health insurance cards dental insurance (in Dutch)

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Group insurance:

The premium shown includes the discount.

The premium of the supplementary and dental insurance includes 9.25% Belgian insurance tax surcharge.

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You (Policyholder)

Children up to the age of 18 are co-insured free of charge and they do not pay a deductible.
This indicated person can not be co-insured.
General insurance
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Additional insurance
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Dental insurance
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Monthly premium
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Add someone

Your child up to the age of 18 is insured for free. And is given the same insurance as the parent with the most expensive health insurance.
Total
€ 0,00
Including group discount
€ 0,00
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