Basisverzekering CZdirect Basisverzekering

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

Main reimbursements

  • You can go to any hospital in the Netherlands

  • 100% reimbursement when visiting contracted healthcare providers
  • Affordable with the advantages of CZ
  • 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.


  • General practitioner
  • Healthcare in a hospital
  • Medicines
  • Medical aids
  • Obstetrician and obstetric care
  • Dental care for children under 18
View all reimbursements (in Dutch)

Not reimbursed

  • Physiotherapy for non-chronic conditions
  • Contraceptive pill from the age of 21
  • Dental care from the age of 18
  • Glasses and contact lenses
  • Alternative healthcare
If you want these or more extensive reimbursements, you can choose an additional insurance package.

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 average agreed rate.

Reimbursement for contracted healthcare

100% reimbursement when visiting contracted healthcare providers
  • You are assured of getting excellent care
  • You can see the healthcare provider quickly
  • No need to pay up front: CZ will pay the healthcare provider directly

Reimbursement for non-contracted healthcare

Maximum of 65% reimbursement with non-contracted healthcare providers
  • No agreements with us on quality
  • No agreements with us on how quickly you can be seen
  • You need to pay the bill up front and then submit a claim

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

4 reasons to choose CZdirect's General insurance


Discount up to €180 with a higher deductible


Healthcare is always close.


100% reimbursement when visiting contracted healthcare providers


Quickly and easily arranged online

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.

Also take a look at

Reimbursements and terms and conditions

CZ Customer Services