Group health insurance proposal - Keeping your employees healthy together - CZ
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Keeping your employees healthy together Group health insurance proposal
Thank you for your request You have asked us to provide a quote for CZ group health insurance. CZ’s group health insurance helps you keep your company healthy and vital. However, healthcare goes further than insurance. Good healthcare also means collaborating to ensure healthy employees and arranging smart financing to pay for this. We work together with you, taking a structural approach towards improving your employees’ health so they can carry on working for longer. We have a variety of campaign materials that can be used to bring the group health insurance to the attention of your employees. You decide what is the most suitable for your company. We have taken the utmost care in putting together this quote for you. However, if you still have any questions, please contact your intermediairy. Enclosed with this quote you will find the implementation form. Please take your time to read through this quote. If you agree to the contents, please return the signed form at your earliest convenience. This way we can ensure that your group insurance policy can be promptly entered into our system and that there is sufficient time for your employees to register. We trust we have provided you with an appropriate and attractive quote and look forward to a fruitful partnership.
Our offer at a glance
Our offer in key figures Our shared goal
Discounts:
We have a shared goal: to make and
General insurance keep your employees healthy and, this
Additional insurance way, prevent and reduce absence. We
Dental insurance target prevention and health
management, absence management,
and interventions (medical or otherwise),
and we advise, organise interventions,
• FitzMe portal and help you with the financial aspects.
• CZ Intervention Expert And we do it all in a way that suits you.
Sound insurance for every employee
When it comes to general insurance, your employees can choose between two in-kind
policies and a refund policy. On top of that, our group additional packages provide
generous reimbursements for things like physiotherapy and dental care. Your employees
do not only receive a discount on the premium, but they do also receive the free CZ Stay
healthy at work package and additional reimbursements. That will enable them to work on
their health. That is why a group health insurance at CZ really makes a difference.
These additional reimbursements, which are exclusively for your employees, are very
extensive. The reimbursements are completely adjusted to maintain a healthy working
lifestyle. The additional packages contain a prevention budget and additional extra’s.
Peace of mind everyday with the online mindfulness training, an intake with a work-related
physiotherapist, online help when things get the better of you at work, or an online
menopause consultation.
1 How our collaboration will benefit you
CZ provides healthcare cover for 3.8 million people adding to the explainability of giving a discount on
in the Netherlands and underwrites a total of 9175 the general insurance policy.
group health insurance policies. We are
responsible, decisive and meaningful in everything 1.2 CZ Stay healthy at work package
we do, an approach that delivers many
advantages for your company and your Like you, we want your employees to take an
employees. active approach to achieving a healthy lifestyle. A
healthy lifestyle reduces the chance of them
needing healthcare now or later in life, and this
1.1 Group insurance offer with discounts means savings on healthcare costs for everyone,
both now and in the future. The CZ Stay healthy at
We are offering a discount on the general work package will help them with that, which is
insurance policy, and on the package we have why we offer it free of charge. This package helps
compiled specially for your company that employees take an active approach to achieving a
comprises group additional insurance and on the healthy lifestyle and healthy behaviour.
group dental insurance policies. Your employees
can always count on attractive premiums, Your employees who are included in the group
whichever insurance policy they pick. insurance get free access to the FitzMe portal.
After employees have created a personal account
We make healthcare-related agreements with you on this portal,
about prevention and contributing positively to your
employees’ health. This way, we help them look their personal online assistant called Fitz will help
after their health and we help you increase your them stay healthy at work. Thanks to the handy
employees’ sustainable deployability and reduce articles, self-tests, and exclusive programmes on
and/or prevent sickness absence, while also FitzMe, they will reduce their workplace stress,
sleep better and become physically stronger.
Having physically fit and mentally strong physiotherapist or an online menopause
employees is great for your business, because consultation.
healthy employees are 18% more productive, go
on sick leave less, and enjoy their jobs.
1.5 Employer portal (‘Mijn CZ Zakelijk’)
Details of the programmes will be provided in
section 2. With ‘Mijn CZ Zakelijk’ you have 24/7 online insight
into your collective health insurance and you can
1.3 CZ Bedrijfszorg easily request management reports or brochures.
Healthcare goes further than providing insurance. ✓ Get insight into the number of insured
Good healthcare also means collaborating to
ensure healthy employees and arranging smart employees
financing to pay for this. Because an employee on
sickness leave can easily cost you €230 per day¹, ✓ Request management reports
the sooner your employee recovers and gets back
on the job, the better. CZ’s occupational ✓ Order flyers, brochures and forms
healthcare services will help you along the way.
✓ Make use of our extensive network of
We work together with you, taking a structured intervention providers
approach to improving your employees’ health so
they can carry on working longer. Sustainable
deployability is not a one-off project — it’s an
ongoing activity that needs to be continuously
monitored and adjusted, using an approach
tailored precisely to your company.
Advantages of our approach to occupational
healthcare
✓ Insight into health risks and solutions for these
✓ Our advice is free
✓ Tailor-made approach
✓ A practical plan that can be implemented
immediately – guaranteed
✓ Insight into financing solutions
1.4 Additional reimbursements to keep
employees healthy at work
The group additional insurance packages offer
very generous additional reimbursements, which
are geared entirely towards keeping employees
healthy at work:
✓ prevention budget: as part of the additional
‘Basis Collectief’ (€150), ‘Plus Collectief’ (€200)
and ‘Top Collectief (€250)’ insurance packages.
Can be used for e-health modules focused on
workplace stress, physical strain, sleep and
lifestyle on the FitzMe portal, a personal health
check, preventive examination (through the
employer) or a flu jab.
✓ healthy added benefits: online help when things
get the better of your employees at work, peace
of mind every day with the online mindfulness
training, an intake with a work-related
1.6 Intervention experts and intervention CZ Intervention Expert (‘Interventie Expert’)
Guide
✓ Provides advice on the most suitable
Interventions help shorten the period of sickness interventions
absence and, in some cases, even prevent it
altogether. With their years of experience and in- ✓ Arranges interventions
depth knowledge of the intervention market, our
intervention experts can help you find the most ✓ Helps you weigh up financing options
effective interventions. If you would like to see the
interventions we have available, the CZ ✓ Helps you with waiting list mediation
Intervention Guide (‘Interventiewijzer’) can help
you find the right intervention. ✓ Arranges a second opinion
The CZ Intervention Guide
✓ Find an intervention on your own
✓ Insight into our wide range of interventions
✓ Find the most suitable intervention by
answering just four questions
✓ Available online on the ‘Mijn CZ Zakelijk’ portalThis is what the CZ Intervention Experts
(‘Interventie Experts’) achieved in 2021. 1.9 Collection discount
If premiums for your employees and their family
members are paid through your company, you, as
the employer, qualify for a collection discount on
1500+ the net premium.
interventions successfully
implemented
26 dagen
faster back at work on average
thanks to waiting list mediation
1.7 Intervention insurance
With our ‘Interventieverzekering’ intervention
insurance, you can avoid unexpected costs for
interventions aimed at preventing or limiting
sickness absence and getting employees on long-
term sick leave back to work faster. Some
examples are:
✓ Preventive examination
✓ Work-related physiotherapy
✓ Occupational psychology
All reimbursements made under this insurance are
eligible as an exemption under the work-related
expenses scheme. With our contracted healthcare
providers, you can be sure that your employees
will get the help they need quickly and receive
high-quality healthcare. But that is not all the ‘CZ
Interventieverzekering’ covers all your employees,
even if they are not insured with CZ. For 2022, the
annual premium is € 23.75 per employee.
1.8 Additional discount based on payment
term
If your employees opt to pay in quarterly, biannual,
or annual instalments, we will give them an
additional discount on the net premium for their
group health insurance policy. For 2022 this is:
0.5% 1% 2%
quarterly biannual annual
payment payment payment
discount discount discount2 What we will do for
your employees
Group health insurance is a nice fringe benefit for your employees and it is good for your company too. With
the right type and level of reimbursement for each employee, it forms the basis of a healthy organisation.
The group health insurance we offer your company includes general insurance, additional insurance packages
and dental insurance policies. However, you can rightfully expect more from a health insurer that goes further.
Your employees can always count on:
✓ Appropriate reimbursements for things like preventive examinations, the flu jab, and orthodontic care
✓ Access to online health programmes
✓ Special offers that extend to their family members as well
2.1 General insurance
At CZ your employees can choose from three general insurance policies: two in-kind insurance policies and a
refund insurance policy. We accept everyone without medical selection.
2.2 Additional insurance packages
Your employees can take out additional insurance for healthcare that is not covered by the general insurance
policy. Our group additional insurance packages provide reimbursement for things such as physiotherapy,
alternative treatment methods, contraceptives and sports medicine-related advice. The higher the premium,
the higher the reimbursements.
CZ also has additional insurance packages that have been put together especially to suit your employees’
stage of life.
Your employees interested in having good dental cover can opt to take out an additional dental insurance
package that provides more comprehensive reimbursements.
This premium offer is based on the compulsory deductible of €385,- and an additional voluntary deductible of €0,- for the
general insurance policies. All mentioned premiums and the contents of the packages are valid until December 31, 2022.
For the ‘Uitgebreide Tandarts Collectief’ dental insurance package, we will ask your employee to provide a
dentist’s statement, except where your employee had equivalent dental cover with his or her previous insurer.
For orthodontic care, a waiting period of one year applies under both dental packages.
Our package overview ‘Collectief’ Group health insurance 2022
contains a complete overview of all reimbursements within the group health insurance.
2.3 Healthcare in Belgium and Germany
We want employees to enjoy trouble-free access to healthcare across the border region. With this in mind, CZ
has made additional agreements with Belgian and German healthcare providers, making it easier for
policyholders and their family members to get healthcare in Belgium and Germany.2.4 Personal support and service
Good healthcare is important, which is why we support your employees in their healthcare choices. We will
explain the various options and their differences, and advise them on the healthcare that is right for their
situation. And your employees are always welcome to turn to us with their health-related questions.
Contacting CZ is a breeze through our website and app, and our claims app makes it easy to submit invoices
for reimbursement. If an employee prefers to talk to someone directly, our health advisers and other staff are
ready to help. It is with good reason that our customers have given our service an 8.2 rating.
Healthcare advice ✓ We help your employees find the right healthcare using the
‘Zorgvinder’ tool
✓ Arranging healthcare using the CZ Assistance Guide
(‘Hulpwijzer’)
✓ Preparing for a doctor’s appointment
✓ Arranging waiting list mediation
✓ Second opinion, even from a leading specialist through
Best Doctors
Medical advice ✓ CZ guides employees in need of healthcare
Also when they need medical advice fast
✓ Contact with a medical team for health-related questions
through the ‘App de verpleegkundige’ app, or by telephone
✓ Contact by email with a medical expert, such as a
physiotherapist, for a specific complaint
✓ Contact with a specialist when there is any doubt about a
diagnosis
Extra help ✓ Extra help, services and advice concerning providing
informal care, dementia, cancer, overweight and obesity
and pregnancy and birth
Abroad ✓ Healthcare abroad
Service and ✓ ‘Mijn CZ’: 24/7 access to your healthcare costs
convenience
✓ Submitting claims is easy with the ‘CZ Declareren’ app
Paid within 10 working days
✓ Contacting CZ by telephone, email, WhatsApp, chat,
Facebook and Twitter
✓ Paying the deductible in instalments and
choice of when the premium will be collected
All correspondence in ✓ Your employees will receive all correspondence from us in
one place the online ‘Mijn CZ’ portal, meaning they will never again
misplace a letter or document.
If they’d prefer to receive letters and documents by post,
that’s no problem. All they need to do is contact our
Customer Services.2.5 FitzMe Portal ✓ Little effort required: your employees get
started on their own
When your employees are fit and healthy, you are
satisfied. But how do you promote a healthy Awareness and behavioral change
lifestyle without interfering too much? Did you
know that employees value a little extra Some employees need a slightly different kind of
motivation? At least 68% of people working in the help with their health challenges than others. At
Netherlands want to do something to improve their CZ, they can count on a tailor-made approach. For
health. some, the use of micro-learning and more
awareness is enough to achieve the goal. A micro-
This is why we have entered into a partnership learning is a short online training aimed at
with FitzCompany. This lifestyle advice and health transferring knowledge and creating awareness.
management agency has developed the FitzMe While for others an e-learning is better. An e-
portal together with CZ. As part of the group health learning is a training of several weeks that focuses
insurance, we offer your employees exclusive on behavioral change. If an employee wants to
access to this portal. The FitzMe portal is the immerse even further after completing an e-
starting line for people striving to improve their learning and needs more help, an eHealth module
health. After registering, your employees can get is used. This is aimed at maintaining the learned
to work on their health straight away. And privacy behavior with extra attention to the work situation
is 100% guaranteed: only the employee will get to of the employee. Fitz helps your employees to the
see his or her personal results. right support at the right time.
Advantages of the FitzMe portal It is easy to draw attention to the FitzMe portal
✓ Free of charge We have developed a toolkit you can use to draw
your employees’ attention to the programmes
✓ Available online 24/7 offered through the FitzMe portal with little effort.
The toolkit includes online information, an
✓ Developed by experts animation and a podcast, all of which you can
share with your employees by email, on the
✓ Fit employees are 18% more productive intranet, or in your online newsletter. At the
moment, we offer the toolkit for the ‘Sterk in Werk’
✓ Makes lifestyle easier to talk about programme. Later this year, we will have toolkits
available for the other programmes as well.Four unique programmes
The FitzMe portal offers four unique programmes
for the occupational risks of workplace stress
(‘Veerkracht’), physical strain (‘Sterk in Werk’),
sleeping problems (‘Slaap lekker’) and working on
vitality at home (‘Thuis Werken aan Vitaliteit’).
After your employees fill in an online form, they
receive a personal report and they can start
addressing the issue immediately.
How to handle hybrid working
Resilience
Hybrid working is becoming more and more
Stress is not just an inconvenience, it can also be common in organizations. This program provides
very unhealthy. The online ‘Veerkracht’ practical information and guidelines for employees
(Resilience) programme helps to prevent, regarding time and place independent working.
recognise and address workplace stress. The program contains 13 short chapters. The
participant is able to choose which of the chapters
are of interest to follow. It is not mandatory to
follow all 13 chapters, which makes this program
suitable to every employee who is struggling with
hybrid working.
Strong at work
The ‘Sterk in Werk’ (Strong at Work) programme
shows your employees how physically strong they
are at that moment and whether they are running
the risk of physical strain injuries. It also provides
tips and guidance on how to reduce this risk. The
result is a better balance between physical stress
and rest and, ultimately, fewer physical problems.
Sleep well
One in five people in the Netherlands do not sleep
well, which can result in problems, including at
work. The FitzMe portal offers your employees
all sorts of practical exercises, tips and the ‘Slaap
lekker’ (Sleep well) programme to address the
problem.
With this help, your employees will sleep like never
before.3 Healthcare abroad
.
Assured of the best healthcare, anywhere
in the world
Whenever you second your employees abroad, you
want to be sure that healthcare for your expats and
their families is all taken care of. The same goes for
One single service desk: always available
CZ offers you and your expats one single service
desk for claims and questions, which our
employees will be able to answer in several
languages. Open 24/7, our service desk can be
foreign employees who come to work for you in the contacted by telephone or online.
Netherlands. When it comes to healthcare abroad,
CZ is the market leader with wide-ranging experience
and expertise. We have the right solution for every Interim registration and early cancellation
situation.
Employees who are seconded abroad or retuning
to the Netherlands effectively find themselves in a
CZ Expat Health Service situation where they are changing their country of
residence, which generally also means their
CZ will find the best possible healthcare solution insurance needs change. We will take care of
for your organisation and your expats. Given the registering them for or cancelling their general
major differences in legislation and regulations insurance policy and/or additional insurance
between different countries, we will tailor our package outside the usual timeframe.
products and services to each specific case.
Cross-border workers
Collaboration with international partners
Employees who work in the Netherlands but live in
We partner with leading international health another EU or EEA member state, Switzerland, or
insurers in a global healthcare and procurement a treaty country are required by law to take out
network, including Allianz Worldwide Care, Bupa health insurance in the Netherlands. They have
Global and Cigna Global Health Benefits. We the same choice as their colleagues.
ourselves are one of the Netherlands’ largest
providers of group health insurance. Your Employees living in the Netherlands and working
organisation and expats will benefit from this in an EU or EEA member state, Switzerland, or a
combination of two specialist areas and enjoy the treaty country who do not have a source of income
financial advantages of cost offsetting between the in the Netherlands can take out a ‘Verdragspolis’
two.
with CZ. Since 2006, CZ has been the insurer
designated by the government to offer this policy.
The ‘Verdragspolis’, for which no premium is
payable, gives holders the same access to
healthcare as their colleagues.4 Carefree implementation of your
group health insurance
We will consult with you to determine the best approach to informing employees of our
collaboration and the advantages this delivers.
Bringing the group health insurance to your employees’ attention
To ensure a smooth transition to CZ, we guide the implementation. We have a variety of
campaign materials that can be used to bring the group health insurance to the attention of
your employees. You decide what is the most suitable for your company.
‘Actie Collectief Voordeel’ campaign: inform your employees quickly and
easily
The basis of this health insurance switch campaign is a prepared email that you send to all
your employees. By clicking the links in the email, they can see all the advantages of
switching to the group health insurance. Other promotional material we offer includes an
animated video, an intranet message and a flyer, any or all of which you can use as you
see fit.Personal online registration page All activation material directs employees to a special website where they can easily: ✓ Read all about the advantages of group health insurance ✓ Calculate their premium ✓ Get online advice on which package is right for them ✓ Take out insurance right away Communication in English A lot of our documentation is available in English. For example: ✓ Brochures ✓ Package and premium overviews ✓ General terms and conditions ✓ Personal registration page ✓ Website pages and contact form
Implementation form for SME IM group health insurance policy
please use capital letters to fill out the form
Intermediary
Intermediary name
Intermediary customer number
General
Company name
CoC registration number
Address under the articles of association
Street address of company
Postal code and town/city company
Postal address group entity
Postal code and town/city group entity
Telephone number
Part of holding/parent company Yes No
Name holding/parent company
CoC registration number holding/parent
company
Number of employees
Employees living in Germany? Yes No
Employees living in Belgium? Yes No
Any employees seconded abroad? Yes No
Contract basis
Contract commencement date
Contract end date 1 year
(Term of 1 or 3 calendar years 3 years
Is this healthcare contract exclusive to Yes No
CZ? No, we also have a healthcare
contract with:
(explanation: Article 7 - General Terms and
Conditions)
Retired employees are allowed to take
Yes, subject to the same terms and conditions
part
Yes, but subject to different agreements:
(explanation: Article 3.4 - General Terms
and Conditions
No, they are not allowed to take part
Your employees will be offered the insurance policies listed below
General insurance policy ‘Zorgbewustpolis’, ‘Zorg-op-maatpolis’ and ‘Zorgkeuzepolis’
Additional insurance packages ‘Start’, ‘Compact Collectief’, ‘Basis Collectief’, ‘Plus Collectief’, ‘Top
Collectief’, ‘Jongeren, 50+ ‘Dental insurance ‘Compact Tandarts Collectief’, ‘Tandarts Collectief’ en ‘Uitgebreide
Tandarts Collectief’
There is no medical selection for our additional insurance packages with the exception of ‘Uitgebreide
Tandarts Collectief’
Collection Discount
General insurance policy % Addition insurance policy %
Addition insurance policy dentist %
Collection discount (if company pays) No collection discount applies
%
Employer keeps collection discount to cover
administrative burden
Employer passes collection discount on to employees
Premium (explanation: Article 5 - General Terms and Conditions)
Who pays the premiums for
- the employees, partners and children? insured person group entity
- the retired employees? insured person group entity
Payment term (fill out only if the premium will be paid
by the group entity monthly quarterly biannually annually
IBAN (fill out only if you opt for payment byj group
entity)
In the name of
Premium collection (fill out only if employer pays the premium)
As standard, bills are shown in PDF format and Excel. Other available file formats:
TXT
Excel
both (TXT and Excel)
Contact persons
Functional manager (main user of MCZZ and daily administrator
The functional manager will receive a log-in code and instructions from us.
The functional manager can register/cancel and provide other employees with access to the portal.
Initials
First name
Surname prefix and Surname
Gender
Telephone number
Mobile number (for account activation)
Email address
Job title
Authorised signatory (as registered with the Chamber of Commerce)
Initials
First nameSurname prefix and Surname (Mobile) Telephone number Email address Gender Job title Healthcare management Initials First name Surname prefix and Surname (Mobile) Telephone number Email address Gender Job title Notes This implementation form is part of the ‘Agreement regarding group health insurance’ entered into by CZ and the INTERMEDIARY (hereinafter referred to as: ‘the Agreement’). In entering into the Agreement, the INTERMEDIARY is representing the interests of employees of the INTERMEDIARY's members. In particular, the INTERMEDIARY has negotiated the option for its members to take part in the Agreement after completing and submitting this implementation form, so that the participating members’ employees can benefit from the group advantages agreed by CZ and the INTERMEDIARY. In order to participate in the Agreement as a member of the INTERMEDIARY, you need to complete this implementation form, sign it and send it to the INTERMEDIARY. The provisions of the Agreement will then apply to you in their entirety. You can request a copy of the Agreement from the INTERMEDIARY. In signing this implementation form, you declare that you have read the Agreement and that you agree to its contents. If you have 1-4 employees, you will be registered under the group entity number of the SME policy. If you have 5-149 employees, you can register as soon as you have received the group entity number. The details you provide on this sheet must be accurate and truthful. If, at any time, it emerges that you have entered any details inaccurately, whether intentionally or otherwise, CZ will be entitled to end your participation in the Agreement, in writing and with immediate effect, and to recover any losses or damage from you.’
Please note that by members we mean SMEs with up to 150 employees that use health
insurance brokerage services provided by the INTERMEDIARY.
Thus agreed and signed on ………………...
Health Insurer Employer:
Name: K.C.F. Stolper Name:
Job title: Director of Health Insurance and Job title:
Customer Communications
https://www.cz.nl/general-terms-and-conditions-for-employer-group-entities
Please return this agreement to us by email: bedrijvendesk@cz.nl
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