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?
Here’s why you should choose CZdirect for 2025
Competitively priced additional insurance packages
You can go to any hospital in the Netherlands
You get CZ’s tried and trusted service
CZdirect health insurance 2025
CZdirect general insurance policy
CZdirect Basisverzekering
100% reimbursement when visiting contracted healthcare providers
Maximum of 65% reimbursement with non-contracted healthcare providers
Discount up to €180 with a higher deductible
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 €133 per month.
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.
Wereld
urgent healthcare worldwide: 100%
contraceptive pill from the age of 21: 100%
dental care following an accident: up to €10,000
Fysio 3
3 sessions of physiotherapy
contraceptive pill from the age of 21: 100%
urgent healthcare worldwide: 100%
Fysio 6
6 sessions of physiotherapy
contraceptive pill from the age of 21: 100%
urgent healthcare worldwide: 100%
CZdirect dental insurance policies
With our competitively priced dental insurance, you are covered for check-ups, fillings and other treatments.
Tand 100
per month
Dental costs up to €100
100% for check-ups
75% for other treatments
Oral care following an accident: €10,000
Tand 250
Dental costs up to €250
100% for check-ups
75% for other treatments
Dental care following an accident up to €10,000
Tand 500
Dental costs up to €500
100% for check-ups
75% for other treatments
Dental care following an accident up to €10,000
Practical additional benefits included with your health insurance
"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
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.
Frequently Asked Questions
If you choose CZdirect, you can rely on the excellent service and benefits of CZ. But there are also a few key differences. For example, CZdirect doesn’t offer a refund policy, while CZ does. With a refund policy, reimbursement of healthcare under the general insurance policy is not subject to whether or not your healthcare provider has a contract with the health insurer for your treatment. Take a look at the differences and find out what’s right for you (in Dutch).
No, that’s not possible unfortunately. If you go for a CZdirect general insurance policy, you can only choose CZdirect additional insurance packages and dental insurance packages.
Yes, absolutely. When you take out ‘CZdirect’ insurance, you are free to use all the services CZ offers, such as:
- free products for informal caregivers
- personal maternity advice
- convenient healthcare apps that let you chat with a nurse, detect possible skin cancer early, and more
- free advice from independent medical experts
- advice on a second opinion or waiting list mediation