CZ - Invoice claim & policy info

About this app

The CZ app is a convenient and secure mobile application designed to simplify the process of managing healthcare costs and accessing important information related to health insurance. It offers a range of features that make it easier for users to handle invoices, check insurance policies, and get answers to their healthcare-related questions.

Key Features

• You can log in securely using your DigiD app, ensuring that your personal information remains protected.

• Easy submission: snap a picture, send it, and that's it. We handle everything else.

• View all your invoices from the past two years, whether submitted by you or a healthcare provider!

• Check your health insurance policy details

• Monitor the current status of your deductible

• Use the app to explore your coverage for frequently accessed reimbursements such as physiotherapy or alternative treatments

CZ’s general insurance policies 2025

Zorgbewustpolis

€ 156,95
per month with a deductible of €385

• 100%
  100% reimbursement when using healthcare providers who have a contract with us for your healthcare

• 70%
  70% of your bill reimbursed with non-contracted care providers.
  The reimbursement is a maximum of 70% of the contracted rates.

• Option of increasing the deductible by €885

Zorg-op-maatpolis (Most popular)

€ 159,99
per month with a deductible of €385

• 100%
  100% reimbursement when using healthcare providers who have a contract with us for your healthcare

• 75%
  75% of your bill reimbursed with non-contracted care providers.
  The reimbursement is a maximum of 75% of the contracted rates.

• Choice of 5 voluntary deductibles

Zorgvariatiepolis

€ 177,50
per month with a deductible of €385

• 100%
  100% of the bill will be reimbursed up to the reasonable market rate in the Netherlands.

• 100%
  100% reimbursement when using healthcare providers who have a contract with us for your healthcare

• 85%
  85% of your bill reimbursed with non-contracted district nursing or mental healthcare providers.
  The reimbursement is a maximum of 85% of the contracted rates.

• Choice of 5 voluntary deductibles

FAQS

What is the general insurance policy?

The general insurance policy provides cover for your main healthcare expenses. For example, healthcare provided in the hospital or by your general practitioner, obstetric care and medicines. Every year, the government decides exactly what healthcare is covered by the general insurance policy. You pay a premium for the healthcare included in the general insurance policy. The general insurance policy is compulsory in the Netherlands.

What is covered under the general insurance policy?

The general insurance policy provides cover for your main healthcare expenses, such as healthcare provided by general practitioners, urgent medical care, specialist medical care, medicines and psychological healthcare. Every year, the government determines the exact cover provided by the general insurance policy.

In Actueel jaar, the cover provided by the general insurance policy includes:

general practitioner care

visits to the hospital

transport by ambulance

medicines and medical aids

obstetrician

obstetric care

speech and language therapy

dietetics

dental care for children under 18

What dental care is reimbursed under the general insurance policy?

Up to the age of 18, most dental costs are reimbursed under the general insurance policy.

From the age of 18, the general insurance policy only reimburses dental care in the form of dental surgery, removable dentures and special dental care in the case of serious disorders. If you would like to have these costs reimbursed, you should choose an additional insurance package that includes dental care, or one of the dental insurance packages we offer.

Is physiotherapy reimbursed under the general insurance policy?

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.

CZ’s dental insurance policies 2025

Tandarts

€ 27,00 per month
€ 450 per year

• 100% for check-ups

• 75% for other dental and oral care

• €10,000 cover for oral care following an accident

Uitgebreide Tandarts

€ 48,40 per month
€ 1,150 per year

• 100% for check-ups

• 75% for other dental and oral care

• €10,000 cover for oral care following an accident

FAQS

Will I be reimbursed for dental care under the general insurance policy?

From the age of 18, you will no longer receive reimbursement for normal dental expenses under the general insurance policy. If you require dentures, an implant-retained denture, dental surgery and oral care in special cases, you may receive a reimbursement under the general insurance policy.

Children under 18 do receive a reimbursement under the general insurance policy, but not for orthodontics.

Does my deductible apply to visits to the dentist?

No, your deductible does not apply to normal dental expenses. If you require dentures, an implant-retained denture, dental surgery and oral care in special cases, your deductible does apply.

Furthermore, the deductible never applies in the case of children under 18.

Will I be reimbursed for dental care after an accident?

Only if you have an additional insurance package or dental insurance with us. These packages include cover for dental care after an accident up to an amount of €10,000.

Do I need a dentist’s statement?

Only in the case of the comprehensive dental insurance policy. You do not need a statement for any of our other packages.

Will I be reimbursed for dental care immediately or is there a waiting period?

You receive an immediate reimbursement from us for normal dental care. For orthodontics, a one-year waiting period applies. In other words, you pay the premium for one year first, and are entitled to a reimbursement from the second year onwards.

If you have the ‘Jongeren’ additional insurance package, the waiting period does not apply.

CZ's additional insurance packages 2025

FAQS

Does the deductible apply to healthcare covered by the additional insurance package?

No, you never have to pay the deductible for healthcare covered by your additional dental insurance package.

Can I take out or change an additional insurance package at any time during the year?

You can only do so from 1 January of the following year. There are 2 exceptions:

When you turn 18

In some cases, when you start a new job

Can I take out an additional insurance package with CZ on its own?

No, this is not possible. However, if you already have the general insurance policy and an additional insurance package with us, you can cancel the general insurance policy separately and continue the additional insurance package. Note that you will have to pay a surcharge of 25% on the premium for the additional insurance package.

What is an additional insurance package?

An additional health insurance package is an insurance for healthcare that is not included in your general insurance. You can choose for an additional package when you need glasses or lenses, when you are pregnant, or when you want reimbursements for alternative healthcare.

Comments

The app makes it easy to declare expenses and is generally useful to keep track of charges and expenses. Four stars because it has limited functions. You often have to jump out of the app and log into the website to see details about charges and other things regarding your insurance.

Installation went smoothly. It turned out easier than I anticipated. The setup process felt simple. Using it was a breeze. Everything worked seamlessly from the start.

Really wish it also came in English. But trying my best to learn Dutch! Still a bit intimidating when dealing with sensitive medical information in a foreign language but will hopefully get there soon.

The app needs a digid login to work. It doesn’t see the digid app on your phone. You try to log in but it just doesn't let you. So, you can’t install it at all. Super frustrating!