Calculate your premium

Select your health insurance for 2020 in 3 simple steps and apply directly

  • You have a 14-day cooling-off period
  • Children under 18 automatically co-insured for free
  • You can arrange everything easily online

The CZdirect general insurance

The CZdirect general insurance covers the most necessary healthcare, such as care given by a family doctor, pharmacy or hospital.

Health insurance card general insurance (in Dutch)

1 Choose your deductible

The higher your deductible, the bigger the discount on your premium.
€ 0discount/month
€ 4discount/month
€ 8discount/month
€ 12discount/month
€ 16discount/month
€ 20discount/month
discount/month

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 of deductible Premium discount per year
 €385  €0
 €485  €48
 €585  €96
 €685  €128
 €785  €144
 €885  €240

2 Choose an additional insurance

Take out an additional insurance to get a reimbursement for healtcare costs such as physiotherapy, prescription glasses or urgent medical care abroad.

View the reimbursements

Frequently sought after reimbursements Aanvullend Aanvullend 1
€ 1,95 /month
Aanvullend Aanvullend 2
€ 2,50 /month
Aanvullend Aanvullend 3
€ 5,80 /month
Aanvullend Aanvullend 4
€ 9,50 /month
Aanvullend Aanvullend 5
€ 12,90 /month
Emergency care abroad (worldwide) 100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
100%
100% of the claimed rate outside the Netherlands/your country of residence.
Emergency dental care abroad (worldwide) €275 per year €275 per year €275 per year €275 per year €275 per year
Physiotherapy from the age of 18
Not reimbursed
Not reimbursed
6 sessions per year
6 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)
9 sessions per year from the age of 18
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)
9 sessions per year from the age of 18
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)
Glasses, contact lenses and laser eye treatment
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 100 per 2 years
€100 per 2 years
Contraceptives from the age of 18 100% from the age of 21 100% from the age of 21 100% from the age of 21 100% from the age of 21
Oral care in the event of accidents €10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident €10,000 per accident
Alternative treatment methods
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 250 per year
€ 250 per year for alternative and/or psychosocial treatments (€25 per day) and medicines (100%) combined
Arch supports
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 60 per year
€ 60,- per year
Treatment of facial acne
Not reimbursed
Not reimbursed
Not reimbursed
Not reimbursed
€ 230 per year
€230 per year

Health insurance cards additional insurance (in Dutch)

Compare reimbursements

Reimbursement details
Additional insurance Reimbursement
Aanvullend 1 100%
100% of the claimed rate outside the Netherlands/your country of residence.
Aanvullend 2 100%
100% of the claimed rate outside the Netherlands/your country of residence.
Aanvullend 3 100%
100% of the claimed rate outside the Netherlands/your country of residence.
Aanvullend 4 100%
100% of the claimed rate outside the Netherlands/your country of residence.
Aanvullend 5 100%
100% of the claimed rate outside the Netherlands/your country of residence.

Additional insurance Reimbursement
Aanvullend 1 €275 per year
Aanvullend 2 €275 per year
Aanvullend 3 €275 per year
Aanvullend 4 €275 per year
Aanvullend 5 €275 per year

Reimbursement details
Additional insurance Reimbursement
Aanvullend 1
Aanvullend 2
Aanvullend 3 6 sessions per year
6 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)
Aanvullend 4 9 sessions per year from the age of 18
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)
Aanvullend 5 9 sessions per year from the age of 18
9 sessions per year from the age of 18 (100% of the agreed rate for contracted healthcare providers; with a non-contracted healthcare provider 65% of the bill up to max. 65% of the average rate agreed with therapists who have a contract with us)

Reimbursement details
Additional insurance Reimbursement
Aanvullend 1
Aanvullend 2
Aanvullend 3
Aanvullend 4
Aanvullend 5 € 100 per 2 years
€100 per 2 years

Additional insurance Reimbursement
Aanvullend 1
Aanvullend 2 100% from the age of 21
Aanvullend 3 100% from the age of 21
Aanvullend 4 100% from the age of 21
Aanvullend 5 100% from the age of 21

3 Choose a dental insurance

Frequently sought after reimbursements Tandarts Tand 1 75%
€ 8,70 /month
Tandarts Tand 1 100%
€ 14,50 /month
Tandarts Tand 2 75%
€ 25,00 /month
Dental care from the age of 18 € 250 per year
€250 per year (75% per treatment)
€ 250 per year
€250 per year
€ 500 per year
€500 per year (75% per treatment)
Dentures € 250 per year
€250 per year (75% per treatment)
€ 250 per year
€250 per year
€ 500 per year
€500 per year (75% per treatment)

Health insurance cards dental insurance (in Dutch)

Compare reimbursements

Reimbursement details
Additional insurance Reimbursement
Tand 1 75% € 250 per year
€250 per year (75% per treatment)
Tand 1 100% € 250 per year
€250 per year
Tand 2 75% € 500 per year
€500 per year (75% per treatment)

Reimbursement details
Additional insurance Reimbursement
Tand 1 75% € 250 per year
€250 per year (75% per treatment)
Tand 1 100% € 250 per year
€250 per year
Tand 2 75% € 500 per year
€500 per year (75% per treatment)

Your shopping basket

Group health insurance:

The premium shown includes the discount.

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

Your basket is empty

You have not selected any insurance yet

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 (in-kind direct)
CZdirect Basisverzekering € 109,95
You have not selected a deductible yet
Additional insurance
None
Dental insurance
None
Monthly premium
€ 109,95

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
€ 109,95
Including group discount
€ 0,00
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