2025 premiums for CZ health insurance policies

The general insurance policy covers the costs of all essential medical care like visiting your general practitioner, visits to hospital or your medicines. In some cases, the healthcare you receive is subject to a maximum reimbursement amount or a maximum number of treatments.

The amount of your basic premium depends on several things. For example, if you opt for a higher voluntary deductible on top of the compulsory 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., you will receive a discount on your premium. If you want to receive 100% reimbursement of your expenses for treatment by both healthcare providers with whom we have a contract and healthcare providers without a contract, you will generally pay a little more.

Additional insurance packages give you extra peace of mind, with more reimbursements than you qualify for under the general insurance policy. For example, emergency abroad, physiotherapy or glasses and contact lenses.

* This premium becomes effective in the year after you reach the age of 30.

Since the general insurance policy and most additional insurance packages do not cover dental care for adults, a dental insurance package is a good addition to your policy.

If you choose the additional ‘Jongeren’ or ‘Gezinnen’ packages, you will not need to take out extra dental insurance since this is already included.