Basisverzekering Zorg-op-maatpolis

This is our most popular general insurance policy, with even more choice. And, as always, with CZ’s tried and trusted service.

Discover the ‘Zorg-op-maatpolis’ policy

  • Our general insurance policy with the most freedom of choice

  • Choice of 5 voluntary deductibles
  • 100% reimbursement when using healthcare providers who have a contract with us for your healthcare

  • Decide for yourself: arrange your healthcare matters online or by post

What’s covered under the general insurance

Every year, the government decides what healthcare is covered under the general insurance; this applies equally to all health insurers. To give a few examples:

Reimbursed

  • General practitioner
  • Hospital
  • Ambulance
  • Medicines and medical aids
  • Obstetric care and obstretic care
  • Speech an language therapy
  • Dietary advice
  • Dental costs for children under 18

View all the reimbursements

Not reimbursed

  • Physiotherapy from the age of 18
  • Dental care from the age of 18
  • Orthodontist
  • Alternative treatment methods
  • Glasses and contact lenses

For extra or more extensive reimbursements, take a look at our additional insurance packages

‘Zorg-op-maatpolis’: 75% reimbursement when using non-contracted healthcare providers

The biggest difference between the general insurance policies concerns your reimbursement for healthcare providers without a contract. Under the ‘Zorg-op-maatpolis’ policy, you are reimbursed 75% when you go to a healthcare provider who does not have a contract with CZ. If you go to a healthcare provider with a contract, you are reimbursed more. And there are other advantages too:

Reimbursement of contracted healthcare

100% reimbursement when using healthcare providers who have a contract with us for your healthcare
  • Choose from among 45,000 healthcare providers
  • Good agreements on quality and availability
  • No need to pay up front: we pay the healthcare provider

Reimbursement for non-contracted healthcare

75% of your bill reimbursed with non-contracted care providers. The reimbursement is a maximum of 75% of the contracted rates.
  • No agreements on quality and availability
  • You pay the bill yourself and claim the costs back from us

Choose between 6 deductibles

The selection of higher deductibles also differs per general insurance policy. You have 6 choices with the ‘Zorg-op-maatpolis’ policy: besides the This 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. of €385, you can opt for a voluntary deductible of €485, €585, €685, €785 or €885. You will get a discount on your premium when you opt for a higher deductible. Do keep in mind, however, that you will need to pay the first €485 to €885 in healthcare costs yourself should you need care.

3 reasons to opt for CZ’s 'Zorg-op-maatpolis'

1

Choose from among 45,000 healthcare providers

Get 100% reimbursed for care at all hospitals in the Netherlands, and from over 45,000 other healthcare providers

2

Healthcare is always close by

You can go to any hospital in the Netherlands

Choose between 6 deductibles

Choose between 5 voluntary deductibles, in addition to the compulsory deductible

Up to the age of 18, most treatments provided by the physiotherapist are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses physiotherapy in a few specific cases. If you would like to have the costs of normal physiotherapy reimbursed, you should select an additional insurance package.

Take a look at all reimbursements for physiotherapy

Every year, the government decides what healthcare is covered for you under general insurance. This is the same for every health insurer. Each insurer determines how much premium you pay for a general insurance policy and with which healthcare providers they will sign a contract.

If you make no or little use of healthcare services, a general insurance policy will often provide sufficient cover. However, if you need extras like physiotherapy, go to the dentist frequently, or if you are pregnant, you may want to consider an additional insurance or dental insurance package.

If you would like to see the details of everything that’s covered, you can read about all the reimbursements. Or you can take a look at the package overview to see at a glance what’s covered under the general insurance and each of the packages.

To see the fine print on our rules, regulations and agreements, read our terms and conditions.

Take out this health insurance now

Compare our general insurance policies and take out your health insurance online on the spot.

Calculate your premium in just two minutes
  • Convenient cancellation service
  • 14-day cooling-off period
  • Children under 18 co-insured for free

Insure more than the basics

Of all our customers, 80% take out an additional insurance package with extra reimbursements, such as for physiotherapy and oral care. See which package is right for you.