Here’s why you should choose CZdirect for 2024

Competitively priced additional insurance packages
You can go to any hospital in the Netherlands
You get CZ’s tried and trusted service

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CZdirect health insurance

CZdirect general insurance policy

Save up to €180 with a higher deductible

On top of the compulsory deductible of €385, you can opt to have an extra voluntary deductible up to a maximum of €885. If you do so, your premium of the general insurance will be €125.50 per month.

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Reimbursements Aanvullend Wereld
€ 2,00 /month
Aanvullend Fysio 4
€ 4,50 /month
Aanvullend Fysio 9
€ 12,45 /month
Physiotherapy for an injury or temporary complaints
-
-
You are 18 years old or above: 4 sessions per year
From your reimbursement you will receive:
- At contracted health care provider: 100%
- For non-contracted health care provider: 50%
You are 18 years old or above: 9 sessions per year
From your reimbursement you will receive:
- At contracted health care provider: 100%
- For non-contracted health care provider: 50%
Urgent medical care abroad
100% of the claimed rate outside the Netherlands or your country of residence this includes the reimbursement under your general insurance policy 100% of the claimed rate outside the Netherlands or your country of residence this includes the reimbursement under your general insurance policy 100% of the claimed rate outside the Netherlands or your country of residence this includes the reimbursement under your general insurance policy
Pregnancy & Baby contraceptives contraceptive pill
You are 21 years old or above: 100% You are 21 years old or above: 100% -
Teeth oral care following an accident
10.000 euros maximum per accident 10.000 euros maximum per accident 10.000 euros maximum per accident
Drop-in centre for cancer patients/survivors and their partners and family members
150 euros maximum per year - -
Repatriation
100% 100% 100%
Urgent oral care abroad
275 euros maximum per year 275 euros maximum per year 275 euros maximum per year

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Compare the 5 different CZdirect additional insurance packages

Get extra cover at a competitive premium, from the contraceptive pill to physiotherapy. Cover for emergency care worldwide and for dental care following an accident is always included.

Compare our dental insurances

Frequently sought after reimbursements Tandarts Tand 250
€ 12,50 /month
Tandarts Tand 500
€ 30,00 /month
Teeth oral care following an accident
10.000 euros maximum per accident 10.000 euros maximum per accident
Teeth dentist and dental hygienist
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth crowns and implants
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth dentures denture repair
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth dentures full dentures
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth dentures implant-retained dentures (lower denture)
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth dentures implant-retained dentures (upper denture)
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
Teeth dentures partial dentures
250 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed
500 euros maximum per year
For the next care together:
- Regular check-up: 100% reimbursed
- Problem-related consultation: 100% reimbursed
- Crown, bridge or inlay: 75% reimbursed
- Partial dentures (removable partial dentures): 75% reimbursed
- Full dentures: 75% reimbursed
- Full dentures for one jaw combined with implant-retained dentures (including snap-on system) for the other jaw: 75% reimbursed
- Full implant-retained dentures in the upper jaw: 75% reimbursed
- Full implant-retained dentures in the lower jaw: 75% reimbursed
- Mesostructure for the lower or upper jaw: 75% reimbursed
- Repair and filling (rebasing) of full dentures (removable full implant overdentures): 75% reimbursed
- Implant and suprastructure: 75% reimbursed
- Other oral care: 75% reimbursed
- Removal of tartar: 75% reimbursed
- Restoration (filling) of tooth or molar with plastic material: 75% reimbursed
- Anaesthesia (local anaesthetic): 75% reimbursed
- Root canal treatment (endodontic care): 75% reimbursed
- Treatment of the masticatory (chewing) system (gnathology): 75% reimbursed
- Treatment of the teeth’s supporting tissue, e.g. the gums (i.e. periodontal care): 75% reimbursed
- X-ray examination: 75% reimbursed
- Surgical dental care: 75% reimbursed

Compare our dental insurances

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Compare the CZdirect dental insurance policies

With our competitively priced dental insurance, you are covered for check-ups, fillings and other treatments.

Read more about the CZdirect dental insurance policies

Practical additional benefits included with your health insurance

  • Get advice from a nurse fast
  • A skin scan using SkinVision
  • Help losing weight with Get Fit
  • Quickly find a healthcare provider near you
  • Discounts on glasses, sports equipment and more

"As it turns out, CZdirect is still the best choice for us"

"We have been satisfied with CZdirect for many years already. To keep up to date, we compared them to other health insurers again this year. As it turns out, CZdirect is still the best choice for us."

Mary - Zorgwijzer.nl - 18 November 2020

Switching is easy

Switching really couldn’t be any simpler: choose a package, check your premium, and submit your request. We’ll take care of the rest. We’ll even cancel your old policy for you. Does that sound good?

Choose your insurance policy now
  • We take care of the switch
  • Online for maximum convenience
  • 14-day cooling-off period

Want even more cover?

Do you want free choice for most healthcare providers? Or extra reimbursements for physiotherapy or orthodontic care? You might find just what you need among the CZ insurance packages.

Take a look at the CZ packages

Frequently Asked Questions

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