Reimbursement for planned healthcare outside the Netherlands

• I am going to a contracted healthcare provider
  The healthcare will be reimbursed in the same way as in the Netherlands. You will also have to pay the deductibleThis is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2025, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy. as you would in the Netherlands. In some cases, you will also have to pay a personal contributionThe amount you pay towards healthcare, medicine, or medical aids. The personal contribution is unrelated to the deductible and is not offset against the deductible..
• I am going to a non-contracted healthcare provider
  Your reimbursement will be based on the terms and conditions for non-contracted healthcare. As in the Netherlands, you have to pay the deductibleThis is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2025, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy. and in some cases a personal contributionThe amount you pay towards healthcare, medicine, or medical aids. The personal contribution is unrelated to the deductible and is not offset against the deductible. as well. You will need to pay the healthcare provider’s invoice yourself and then claim the costs back from us.

Are you looking for a contracted healthcare provider for your treatment? Or do you want to check whether your healthcare provider has a contract with CZ? Check our Zorgvinder (in Dutch). Search by treatment or specialty.

Tip: if you are going to a medical specialist in Germany, check if you can use the international healthcare card (in Dutch).

• Extra benefits such as a single or double room, or a phone, TV, internet access, or a refrigerator in your room.
• Additional costs of physicians who charge rates other than the statutory rates in the country in question, such as non-contracted physicians, private healthcare providers, or a Professor (Germany). They often charge high, private rates. In most cases, these additional costs will not be reimbursed.
• Additional (bank) charges for a payment by you or CZ to or from an account outside the Netherlands.
• Additional costs due to exchange rate fluctuations. We always reimburse healthcare costs in euros. If the invoice was paid in a foreign currency, your reimbursement may be higher or lower than you expected. If your healthcare provider outside the Netherlands sent their invoice directly to us, you may in some cases receive an invoice from us for the exchange difference.

• Healthcare that you would also have to request permission for if you were to get it in the Netherlands.
• Treatment involving medicines that are on the requesting permission for medicines abroad list (in Dutch).
• Healthcare that is on the requesting healthcare abroad list (in Dutch). This includes treatments involving admission for one or multiple nights.

If you go to a contracted Belgian or German healthcare provider, you will not need prior permission for any admissions. If the treatment is on this list (in Dutch), please call us on . We will then tell you whether this treatment is covered by the contract we have with the hospital of your choice and whether or not you need to request permission for it.

You must always wait for our permission before starting your treatment. Reimbursement of the treatment or medicine is subject to our permission.

Use the application form to request permission. Please send the completed form to us by post. In most cases, you will receive a response within 10 working days. We may occasionally ask you for extra information. If your request is granted, we will upload your statement to 'Mijn CZ'.

• Reimbursement for urgent healthcare
• Your health insurance abroad