Calculate your premium

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

  • You have a 14-day cooling-off period
  • We will cancel your current insurance policy for you

The CZdirect general insurance

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

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?

This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. You pay the deductible if you are 18 years or older and need reimbursement in the general insurance.

There are two kinds of deductible in the Netherlands, the compulsory deductible and the voluntary deductible.

The compulsory deductible for 2020 is €385 and it is determined by the government.

On top of the compulsory deductible, you can also opt to have a voluntary deductible. With the CZdirect policy you can choose a €100, €200€300€400 or €500 voluntary deductible. The higher the voluntary deductible you choose, the lower your premium will be.

Hoogte eigen risico Premiekorting per jaar
 €385  €0
 €485  €48
 €585  €96
 €685  €128
 €785  €144
 €885  €240

No deductible

The deductible does not apply to:

  • appointments with your general practitioner (a blood test ordered by your GP, however, does come under the deductible)
  • 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 (the deductible does apply to any follow-up screening)
  • healthcare reimbursed under your additional insurance package

When the deductible does apply

All other healthcare covered by the general insurance policy is subject to the deductible, and you may also be required to pay a personal contribution.

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 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.
Dental care 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

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)

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 group 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

Co-insure 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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