Request your EHIC at no charge
When you suddenly need medical attention while on holiday abroad, simply show your EHIC to prove that you are insured with CZ. The EHIC is recognised in most European countries.
Countries that accept the EHIC
You can use the EHIC in Australia, Belgium, Bulgaria, Croatia, Cyprus (the Greek part), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, United Kingdom (England, Scotland, Wales and Northern Ireland), Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Slovenia, Slovakia, Spain, Sweden and Switzerland.
No need to pay on the spot with your EHIC
When you present your European Health Insurance Card (EHIC), healthcare providers in other countries know that the invoice will be paid by CZ. It is sent directly to us, meaning that, in most cases, you do not have to pay the invoice up front and claim the costs back later. The front of the card is identical to a regular CZ healthcare card, but the back is blue, making it easy to identify.
Equal treatment for foreigners
Treatment is provided on the same basis as it would be to a resident of that country. Imagine, for example, that you suddenly need treatment in France; the costs of this treatment will not be set off against any outstanding deductible you have in the Netherlands. If a personal contribution applies, you will need to pay this yourself. You can submit a claim to us for these costs, as they may be covered under an additional insurance package or your travel insurance.
Validity of the EHIC
The European Health Insurance Card is valid for up to five years, and you may use it for as long as you are insured with us. If you are no longer insured with us and you use the EHIC anyway, you will be required to repay us for the costs incurred. The EHIC is strictly personal, meaning you cannot lend the card to someone else.
Cases in which the EHIC is not valid
The EHIC does not cover medical costs if you:
- travel abroad for the purpose of obtaining medical care;
- are treated by a private healthcare provider or at a private clinic;
- are living abroad permanently.
CZ Helpline
If you are travelling and have a health-related question, need help finding a doctor near you, or need urgent medical care, call the CZ Helpline on +31 13 468 04 02.
Frequently asked questions
How long is an EHIC valid for?
The EHIC is valid for 5 years. If you are still insured with CZ, you will automatically be sent a new EHIC when your old one expires.
Do I need travel insurance as well as an EHIC?
The health insurance does not reimburse all costs when you are abroad. Costs for transport to the Netherlands in the event of illness or death, for example, are not included in the general insurance. In most cases, travel insurance covers the other costs.
Travel insurance with a medical care module provides sound cover for healthcare while on holiday. It also covers other things, such as your luggage, or damage to your accommodation. Through CZ, you can take out an OHRA travel insurance policy at a 5% discount.
Can I have my EHIC sent to a different address?
No, the EHIC cannot be sent to a different address. In exceptional situations, we can temporarily change your postal address, but this will apply to all post you receive from us. Please get in touch with our Customer Services to arrange this: kcc alle labels telefoon.