Terms and conditions of insurance and reimbursement overviews

Below you can download the official terms and conditions of insurance and reimbursement overviews for the CZdirect health insurance.

CZdirect 2026

Documents, overviews and terms for the 2026 insurance year

Terms and conditions

(opent in nieuw tabblad)Terms and conditions CZdirect (zorgverzekering Natura Direct)(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Wereld(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 3(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 3+(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 6(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 6+(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 9+(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Fysio 12+(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Tand 100(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Tand 250(pdf)
(opent in nieuw tabblad)Terms and conditions additional insurance CZdirect Tand 500(pdf)
(opent in nieuw tabblad)Voorwaardenboek Aanvullende verzekering CZdirect Ongevallendekking Fysio(pdf)

Reimbursements

(opent in nieuw tabblad)CZdirect basisverzekering(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Wereld(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 3(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 3+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 6(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 6+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 9+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 12+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 100(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 250(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 500(pdf)

(opent in nieuw tabblad)Aanvullende verzekering CZdirect Ongevallendekking Fysio (pdf)

CZdirect Collectief

Attachments general insurance

Your health insurance also includes regulations and attachments. These explain how the general insurance works in practice and how reimbursements are arranged.

CZdirect 2025

Documents, overviews and terms for the 2025 insurance year

Reimbursements

(opent in nieuw tabblad) (pdf)

(opent in nieuw tabblad)CZdirect basisverzekering(pdf)

(opent in nieuw tabblad) (pdf)(opent in nieuw tabblad)Additional insurance CZdirect Wereld(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 3(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 3+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 6(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 6+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 9+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Fysio 12+(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 100(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 250(pdf)

(opent in nieuw tabblad)Additional insurance CZdirect Tand 500(pdf)

(opent in nieuw tabblad)Aanvullende verzekering CZdirect Ongevallendekking Fysio(pdf)(opent in nieuw tabblad) (pdf)

CZdirect Collectief

Terms and conditions

CZ Customer Services

Call +31 88 555 77 77

Monday to Friday, 8am to 5.30pm. You will only pay the usual call rates.

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