Jacobs Douwe Egberts (Holding) gives you the choice between CZdirect and CZ group health insurance. Would you prefer comprehensive insurance or do you only want cover for the most important healthcare? Choose the health insurance that matches your preference and take advantage of group benefits'.
Starting from just €148 per month in 2025 (based on a deductible of €385). Don’t need comprehensive cover? At CZdirect, you get good cover for the most important healthcare. And you manage everything online.
Starting from just €156.95 per month in 2025 (based on a deductible of €385). CZ offers a wide range of additional insurance packages for you to choose from. This way, you get comprehensive cover for the healthcare you and your family need.
| CZdirect | CZ | |
|---|---|---|
| Insured in 2025 with a deductible of €385 | Starting from just €148 per month | Starting from just €156.95 per month |
| Discount on additional insurance | ✖ |
18 % |
| Discount on dental insurance | ✖ | 15 % |
| Roll up to 5 unused physiotherapy sessions | ✔ | ✔ |
| Personal allowance to take a preventive approach to your health | €150 |
€150 to €250 |
| Extra group reimbursements to stay fit and healthy |
✖ |
✔ |
| View your offer | > Choose CZdirect | > Choose CZ |
Submit claims quickly and fast in the app, and ask the CZ Healthcare Team all your questions. Our service is always personal.
Not used all your physiotherapy sessions this year? Don’t worry. As many as 5 unused sessions will be rolled over to the next year.
Get extra health and healthcare support. And it’s included in your health insurance.
CZ has three general insurance policies:
‘Zorgbewustpolis’. This is an in-kind policy. You will receive 100% reimbursement from healthcare providers with a contract for your care. You get 70% of non-contracted healthcare reimbursed. With this policy, you take care of your healthcare matters online.
‘Zorg-op-maatpolis’. This is an in-kind policy. You will receive 100% reimbursement from healthcare providers with a contract for your care. You get 75% of non-contracted healthcare reimbursed.
‘Zorgvariatiepolis’. This is a combination policy. You will receive 100% reimbursement for contracted and non-contracted healthcare. With the exception of non-contracted district nursing and mental health care. This reimbursement is a maximum of 85% of the rate of healthcare providers with a contract. You pay the remaining amount yourself.
CZdirect offers one general insurance policy. Given that this policy is not a refund policy, what healthcare provider you choose is more important. Healthcare provided by a non-contracted healthcare provider will be reimbursed at 65%.
| CZdirect | CZ | |
|---|---|---|
| Discount on additional insurance | ✖ |
18 % |
| Discount on dental insurance | ✖ | 15 % |
| Reimbursement for physiotherapy | 4 to 6 sessions |
6 to 32 sessions |
| Roll up to 5 unused physiotherapy sessions | ✔ | ✔ |
| Reimbursement for dental care and check-ups | €100 to €250 |
€250 to €1,150 |
| Reimbursement for orthodontic care | ✖ |
✔ |
| Personal allowance to take a preventive approach to your health | €150 |
€150 to €250 |
| Extra group reimbursements to stay fit and healthy* | ✖ | ✔ |
*Group health insurance with CZ comes with even more reimbursements, such as for online mindfulness training, an intake with the work-related physiotherapist, or a menopause consultation.
At both CZ and CZdirect, you get more than 20 (group) services and extra benefits with CZ Extra. These extra benefits include personal advice from the CZ Healthcare Team (‘Zorgteam’) and various customer benefits such as a discount on sportswear, glasses or contact lenses. And you also get the free online training on FitzMe to work towards a healthy lifestyle. If you want to train with a personal online coach, choose CZ and get started with a training routine that is right for you.