CZdirect general insurance policy

All general insurance policies cover the same types of healthcare. With ours, though, you benefit from a competitive premium and much more.

The biggest advantages offered by our general insurance

  • You can go to any hospital in the Netherlands
  • 100% reimbursement when visiting contracted healthcare providers
  • Discount up to €180 with a higher deductible
  • Free additional benefits, like an app to scan moles or spots on your skin

What is covered under the general insurance policy?

With our general insurance, all the most important healthcare is covered.

100% reimbursement for contracted healthcare

You are free to choose your own healthcare provider. If the healthcare provider you choose has a contract with us, we will reimburse the invoice in full, without you having to pay anything up front. If you’d prefer to go to a healthcare provider who does not have a contract with us, we will reimburse 65% of the invoice up to 65% of the The average of the rates we have agreed with contracted healthcare providers for the treatment concerned.

Find a healthcare provider near you

Get a discount by taking a higher deductible

For much of the healthcare reimbursed under the general insurance policy, you first need to pay a deductible, which is currently €385 per year. With CZdirect, you can also opt for a voluntary deductible of up to €885, in which case your premiums will be lower (but you will have to pay more if you do run up healthcare bills). Check out how much you can save.

Annual deductible Annual discount
€385 € 0
€485 €36
€585 €72
€685 €108
€785 €144
€885 €180

Read more about the deductible

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

All messages in one place

You will receive our messages digitally in My CZ. This way you will never lose anything again. Useful! Prefer receiving physical mail? No problem. Please contact our Customer Service.

CZ Customer Services

To the top