CZ Zorgverzekeringen 2018 - 'Collectief' Group health insurance
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CZ Zorgverzekeringen 2018 'Collectief' Group health insurance
Group health insurance through
your employer
You want to be able to rely on good healthcare that you can
access whenever you need it and that meets all your
requirements, so it is crucial to make sure you choose the
health insurance that is right for you. Your employer has
arranged group health insurance with CZ, which allows you
and any members of your family to take advantage of a
premium discount and also qualify for additional
reimbursements and services.
Choosing your health insurance — a helping hand from CZ
This brochure explains how to put together an insurance package that will give
you all you need in just three steps. The reimbursements provided by each
insurance policy are summarised at the back of the brochure.
You can register quickly and easily online at www.cz.nl/grouphealthinsurance. R e g ist e r
Just make sure that you have your Dutch personal identification number (BSN) to o n li n e in a m att e r
hand.
o f m in ut e s
If you would like personal advice, our advisers would be happy to help you. Simply
give them a call on +31 (0)88 555 70 00. Lines are open Monday to Friday from 8am
to 9pm and Saturdays from 10am to 2pm. Alternatively, you can drop into one of
the CZ branches. The addresses and opening times are listed at
www.cz.nl/kantoor (in Dutch). When you take out health insurance with CZ, we
will automatically terminate your current insurance policy for you, so switching
couldn’t be any easier.
22 3Health insurance that suits you Deductible
The deductible is the amount you have to pay yourself before you start receiving
reimbursement for healthcare under the general insurance policy. There are two
When it comes to health insurance, there is no single package
kinds of deductibles in the Netherlands — compulsory and voluntary — and the
that is right for everyone. Follow our three steps to find out
compulsory deductible is set by the government. To find out more about
which health insurance best meets your needs. The package
deductibles, go to www.cz.nl/eigen-risico (in Dutch).
overview starting on page 10 summarises the reimbursements
provided by each policy. • the compulsory deductible for 2018 is €385 per year for everyone over the age of 18.
• you have the option of paying the compulsory deductible in advance instalments.
You can select different insurance packages for family members aged 18 or above. Co- That way you avoid having to pay a large lump sum. If it turns out at the end of the
insured children under 18 do not need to pay a premium and they are given the same year that you have paid too much, the surplus will automatically be refunded in
package as the parent/carer with the most expensive additional insurance package. the following year.
• you don't pay a deductible for certain types of healthcare, such as GP
General insurance policy appointments or obstetric care.
SSeeee ppaaggee 1010
STEP
STEP11
The general insurance policy reimburses the most necessary healthcare costs. • on top of the compulsory deductible, you can also opt for a voluntary deductible of
oonnwwaardrdss ttoo ffinindd
Everyone living or working in the Netherlands is legally obliged to take out a general up to €500, making the maximum deductible €885. If you opt for this voluntary oouutt wwhhicichh
insurance policy. CZ has three general insurance policies to choose from — de deductible, you pay a lower premium. hheeaaltlthhccaarere tthheessee
'Zorgbewustpolis', de 'Zorg-op-maatpolis' en de 'Zorgkeuzepolis'. ccooststss aapppplyly ttoo
Statutory personal contribution
In addition to the deductible, you also need to pay a statutory personal contribution
for some healthcare services. This is also set by the government.
• the personal contribution applies to insured persons of all ages.
• the personal contribution is not reimbursed under the general insurance policy,
but it is sometimes reimbursed by additional insurance packages.
Additional insurance packages
‘Zorgbewust-
‘Zorgbewust- ‘Zorg-op-maat-
‘Zorg-op-maat- ‘Zorgkeuze Some healthcare is not reimbursed under the general insurance policy, or is only
STEP
STEP 22
polis’
polis’ polis’
polis’ polis’ reimbursed in part. You can insure this healthcare separately by taking out an
additional insurance package. CZ accepts everyone for additional insurance,
Type
Typeof
ofpolicy
policy in-kind
in-kindpolicy
policy in-kind
in-kind policy
policy refund policy
regardless of their age, stage of life or current or future healthcare needs. We offer
Reimbursement
Reimbursementfor
for 100%
100% 100%
100% 100%
contracted
contractedhealthcare
healthcare
packages with increasing levels of reimbursement, as well as packages that are
providers
providers
suited to particular stages of life.
Reimbursement
Reimbursement 70%
70%of
ofthe
thebill
bill 75%
75% of
of the
the bill
bill 100% up to the
for
fornon-contracted
non-contracted up
upto
toaamax.
max. of
of up
up to
to aa max.
max. of
of 75%
75% of market rate Dental insurance packages
healthcare
healthcareproviders
providers 70%
70%of
of the
the agreed
agreed applicable in the STEP
STEP 33 CZ has two group dental insurance packages — Tandarts Collectief' and 'Uitgebreide
the
theagreed
agreedaverage
average average
average rate
rate Netherlands Tandarts Collectief'. We will assess your teeth based on a statement from your
rate
rate dentist before deciding whether to accept your application for the Uitgebreide
Arranging
Arranginginsurance
insurance online
online online
online and
and by
by post
post online and by post Tandarts Collectief' dental package. For the Tandarts Collectief' insurance package,
matters
matters no such statement is required. If you choose the additional Jongeren' package, you
Choice
Choiceof
ofvoluntary
voluntary €500
€500 €100/€200/
€100/€200/ €100/€200/ don't need a dental insurance package, as these packages already include
deductible
deductible €300/€400/
€300/€400/ €300/€400/ reimbursement for dental care.
€500
€500 €500
Difference between in-kind and refund policies Why does CZ make agreements with healthcare providers?
The ‘Zorgbewustpolis’ and the ‘Zorg-op-maatpolis’ are both in-kind policies, while We believe that good healthcare should be both accessible and affordable, which
the ‘Zorgkeuzepolis’ is a refund policy. Reimbursement for healthcare from is why we make agreements with healthcare providers. If you choose a healthcare
contracted providers is the same under all policies. You can view the provider with whom we have a contract, any treatment you receive will meet our
reimbursement for healthcare from non-contracted providers in the chart above. quality standards. Agreements have also been made about waiting periods and
Reimbursement for in-kind policies is calculated based on the average rate agreed the availability and cost of healthcare. CZ pays the healthcare provider directly, so
with contracted healthcare providers. For refund policies, we reimburse 100% of you won’t need to pay any bills yourself first. If you want to know whether we
the bill up to a maximum of the rate deemed to be reasonable in the have a contract with your healthcare provider, or if you want to find a contracted
Netherlands. Further information is available at healthcare provider near you, please visit www.cz.nl/zorgvinder (in Dutch).
www.cz.nl/niet-gecontracteerde-zorg (in Dutch).
44 55Switching to CZ
The insurance packages have a term of one calendar year, so you can change your
package each year if your needs change. You can usually only switch to a new health
insurer with effect from 1 January. However, if you have changed jobs and were
already covered by a group health insurance scheme with your previous employer,
you don’t need to wait until 1 January — you can switch within the first 30 days of
the start of your new employment contract. This also applies if you have started
working for a new employer and are now individually insured with CZ (i.e. not
through an employer or an organisation).
Saving on your premiums
Your monthly health insurance premiums are often a significant expense.
Here are some tips on how to save on your health insurance premiums:
• if your healthcare providers are contracted with CZ, you might want to select the
‘Zorgbewustpolis’, as this policy has the lowest monthly premium.
• think about whether a voluntary deductible would be a good idea for you. If you
expect your medical costs to be low, it could work in your favour. However, you
need to be able to pay the deductible if you do incur medical costs after all.
• if you opt to pay your premiums annually, biannually or quarterly in advance, we
will give you a discount on your premium of up to 2% per year.
• you might be entitled to receive the healthcare allowance, which is a contribution
towards your healthcare costs through the Dutch tax authorities
(‘Belastingdienst’). You can request the healthcare allowance at www.toeslagen.nl
(in Dutch) or by calling the ‘BelastingTelefoon’ on 0800 0543.
‘Mijn CZ’
‘Mijn CZ’ lets you take care of all your insurance matters quickly and easily online. For
example, you can:
• view your policy and reimbursements and change your details;
• submit your bills and see which bills have not yet been paid;
• check how much of your deductible you have already paid;
• request a payment arrangement.
OOuurr ccuuststoommoeoeursursrr
hhaavvee ggiviveenn tt
aapppp aa ggrereaa !! CZ’s additional benefits
44--ststaarr rarattiningg • submit your bills using the ‘CZ Declareren’ app or through ‘Mijn CZ’ and receive
your reimbursement within ten working days.
• as a CZ customer, you qualify for discounts on many products and services, such as
glasses and lenses, gym membership or a visit to the sauna. Visit
www.cz.nl/klantvoordeel (in Dutch) for more information.
66 77CZ — making the difference
Here at CZ, we go further than simply reimbursing bills — we
also help you find healthcare that really does meet your needs,
including if you are caring for someone else.
Our healthcare advisers would be happy to help you
• if there is a waiting list for your treatment, our healthcare advisers will look
into whether you can get treatment sooner elsewhere. Help for informal caregivers
• if you have an important consultation with your doctor coming up, we can give If you are caring for someone and could use some help with making the
you practical tips on how best to prepare. necessary arrangements, or if you need carer relief, visit www.cz.nl/mantelzorg
• if you are unsure about a diagnosis or treatment, we can help you get a second (in Dutch) to find out about all of our services for informal caregivers. You can
opinion, for example, from a leading international specialist (‘Best Doctors®’). also order a CZ caregiver card (‘Mantelzorgpas’) and book (‘Mantelzorgboek’) to
• if you want information about how you can arrange home nursing, home record information about the person you are caring for.
modifications and transport to and from hospital, you can use the handy CZ
Assistance Guide (‘HulpWijzer’). For informal caregivers caring for a person with dementia, we offer online
• if your doctor has given you a referral, we can help you find the best healthcare seminars by experts discussing themes like ‘Dementia or just forgetfulness?’ and
provider near you. an online course on how to deal with dementia. If you would like to learn more
about the support CZ can offer you, go to www.cz.nl/dementie (in Dutch).
Maternity care advice
Our maternity care advisers will be pleased to arrange the right care for CZ — helping you further
you and your newborn(s). You can ask about reimbursements, for example, or We are always happy to talk to you about how we can help, but you might
about how to request obstetric care. Simply visit www.cz.nl/geboortezorg (in prefer to find out for yourself about the services CZ offers. If that's the case,
Dutch) to see what we can do for you. simply visit www.cz.nl/zorgadvies (in Dutch) to see how we can help you find
and get the best healthcare.
88 99Package overview
The following pages outline which reimbursements are
provided by our general insurance policy and additional
insurance packages. A summary of all reimbursements and
terms and conditions can be found in the terms and
conditions of insurance at www.cz.nl/conditions-collective or
you can call CZ Customer Services to request a copy.
• healthcare marked with a “l” in the general insurance column is reimbursed.
• a “3” in one of the columns for an additional insurance package indicates that
this healthcare is reimbursed up to the maximum rate applicable in the
Netherlands. Take a look at www.cz.nl/conditions-collective to find out what
this rate is.
• for more details about each reimbursement, visit www.cz.nl/vergoedingen (in
Dutch).
STEP 1 STEP
STEP 22
BASISVERZEKERINGEN
GENERAL INSURANCE POLICIES ADDITIONAL
ADDITIONAL
AANVULLENDE INSURANCE
INSURANCE PACKAGES
VERZEKERINGENPACKAGES
Personal
Reim- Deduct- contri-
bursement ible bution ‘Start’
‘Start’ ‘Basis
‘Basis Collectief’
Collectief’‘Plus
‘Plus Collectief’
Collectief’ ‘Top
‘Top Collectief’
Collectief’ ‘Jongeren’
‘Jongeren’ ‘50+’
‘50+’
Healthcare
Healthcare in
in aa hospital
hospital
Specialist
Specialistmedical
medicalhealthcare
healthcare l
l Yes
Admission
Admission l
l Yes
Thrombosis
Thrombosisservice
service l
l Yes
Correction
Correctionof
ofthe
theposition
positionof
ofthe
theears
ears ü
ü üü
Male:
Male:€€400
400 Male:
Male:€€400
400
Sterilisation
Sterilisation
Female:
Female:€€1,250
1,250 Female:
Female:€€1,250
1,250
Second
Secondopinion
opinionfrom
fromaadoctor
doctor l
l Yes
Rehabilitation
Rehabilitation l
l Yes
Transplants
Transplants(organ/tissue)
(organ/tissue) l
l Yes
Sensory
Sensoryimpairment
impairmentcare
care l
l Yes
Accommodation
Accommodationcosts
costs €€500
500 €€500
500 €€500
500 €€500
500 €€500
500 €€500
500
Childcare
Childcarein
inthe
thecase
caseof
ofhospitalisation
hospitalisation €€200
200 €€200
200
Personal
Personalcontribution
contributionfor
forhospice
hospicecare
care €€30
30per
perday
day €€30
30per
perday
day €€30
30per
perday
day
Genetic
Genetictesting
testingand
andadvice
advice l
l Yes
Audiology
Audiologycare
care l
l Yes
Mechanical
Mechanicalventilation
ventilation l
l Yes
Help
Helpwith
withchildren
children’
children
children’’s’scancer
cancertreatment
treatment l
l
General
General practitioner
practitioner care
care
General
Generalpractitioner
practitioner l
l
10 1111STEP 1 STEP
STEP 22
BASISVERZEKERINGEN
GENERAL INSURANCE POLICIES ADDITIONAL
ADDITIONAL
AANVULLENDE INSURANCE
INSURANCE PACKAGES
VERZEKERINGENPACKAGES
Personal
Reim- Deduct- contri-
bursement ible bution ‘Start’
‘Start’ ‘Basis
‘Basis Collectief’
Collectief’‘Plus
‘Plus Collectief’
Collectief’ ‘Top
‘Top Collectief’
Collectief’ ‘Jongeren’
‘Jongeren’ ‘50+’
‘50+’
Medicines
Medicines and
and pharmacy
pharmacy
Medicines
Medicinesunder
underthe
theMedicines
MedicinesReimbursement
ReimbursementSystem
System (GVS)
(GVS) l
l Yes Possible
Reimbursement
Reimbursementof
ofMedicines
MedicinesReimbursement
ReimbursementSystem
System (GVS)
(GVS) personal
personal
€€500
500 üü
contribution
contribution
Contraceptives
Contraceptivesunder
underthe
theMedicines
MedicinesReimbursement
ReimbursementSystem
System (GVS)
(GVS) up
up to
to
l
l Yes Possible
the
theage
ageof
of21
21
Contraceptives
Contraceptivesunder
underthe
theMedicines
MedicinesReimbursement
ReimbursementSystem
System (GVS)
(GVS) from
from
€€200
200 €€200
200 €€200
200 €€200
200
the
theage
ageof
of21
21
Dietary
Dietarypreparations
preparations l
l Yes
Condoms
Condoms(order
(orderat
atwww.cz.nl/condooms
www.cz.nl/condooms(in
(inDutch))
Dutch)) 50
50per
peryear
year
Nursing
Nursing and
and personal
personal care
care
District
Districtnursing
nursing l
l
Carer
Carerrelief
relief 14
14days
days 14
14days
days 14
14days
days 1414days
days 1414days
days
Alternative
Alternative treatment
treatment methods
methods and
and medicines
medicines
Total
Totalreimbursement
reimbursementfor
foralternative
alternativetreatment
treatmentmethods
methods and
and medicines
medicines €€250
250 €€450
450 €€650
650 €€200
200 €€350
350
••alternative
alternativetreatment
treatmentmethods
methods €€30
30per
perday
day €€40
40per
perday
day €€40
40per
perday
day €€30
30per
perday
day €€40
40per
perday
day
••alternative
alternativemedicines
medicines ü
ü ü
ü üü üü üü
Therapies
Therapies
Physiotherapy,
Physiotherapy,exercise
exercisetherapy
therapy
maximum
maximum of 18
••up
upto
tothe
theage
ageof
of18
18 sessions
sessions per 99sessions
sessions 21
21sessions
sessions 36
36sessions
sessions 1515sessions
sessions
condition
condition
••up
upto
tothe
theage
ageof
of18
18(for
(fortreatments
treatmentson
onthe
thelist
listof
ofconditions
conditions for
for
l
l
physiotherapy
physiotherapyand
andexercise
exercisetherapy)
therapy)
••from
fromthe
theage
ageof
of18
18 99sessions
sessions 21
21sessions
sessions 36
36sessions
sessions 99sessions
sessions 1515sessions
sessions
••from
fromthe
theage
ageof
of18
18(for
(fortreatments
treatmentson
onthe
thelist
listof
ofconditions
conditions for
for from
from the 21st
Yes
physiotherapy
physiotherapyand
andexercise
exercisetherapy)
therapy) session
session
••intermittent
intermittentclaudication
claudication 37
37 sessions
sessions Yes
••pelvic
pelvicphysiotherapy
physiotherapy(once
(onceduring
duringthe
theentire
entireinsurance
insuranceterm)
term) 99 sessions
sessions Yes
••exercise
exercisetherapy
therapyfor
forknee
kneeand
andhip
hiposteoarthritis
osteoarthritis 12
12 sessions
sessions Yes
Occupational
Occupationaltherapy
therapy
••up
upto
tothe
theage
ageof
of18
18 10
10 hours
hours 22hours
hours 22hours
hours 22hours
hours
••from
fromthe
theage
ageof
of18
18 10
10 hours
hours Yes
••carer
carertraining/supervision
training/supervisionfor
foroccupational
occupationaltherapy
therapy 22hours
hours 22hours
hours 22hours
hours 22hours
hours
Speech
Speechand
andlanguage
languagetherapy
therapy l
l Yes
••stammer
stammertherapy
therapy—
—therapy
therapycosts
costs(once
(onceduring
duringthe
theentire
entire insurance
insurance
€€685
685 €€685
685 €€685
685
term)
term)
Stammer
Stammertherapy
therapy—
—accommodation
accommodationcosts
costs €€15
15per
perday
day €€15
15per
perday
day €€1515per
perday
day
Foot
Foottreatment
treatmentand
andadvice
advice(on
(onmedical
medicalgrounds)
grounds) €€70
70 €€230
230 €€230
230 €€70
70 €€230
230
Foot
Foottreatment
treatmentin
inother
othercases
cases €€70
70 €€115
115 €€115
115 €€70
70 €€115
115
Skin
Skintherapy
therapy
••treatment
treatmentof
offacial
facialacne
acne €€230
230 €€230
230 €€230
230 €€230
230 €€230
230
••camouflage
camouflagetherapy
therapyin
inthe
theface/neck
face/neck(once
(onceduring
duringthe
theentire
entire insurance
insurance
€€200
200 €€200
200 €€200
200 €€200
200 €€200
200
term)
term)
••facial
facialhair
hairremoval
removal(once
(onceduring
duringthe
theentire
entireinsurance
insuranceterm)
term) €€570
570 €€570
570 €€570
570 €€570
570 €€570
570
UVB
UVBlight
lightequipment
equipment l
l Yes
1212 1313STEP 1 STEP
STEP 22
GENERAL INSURANCE POLICIES
BASISVERZEKERINGEN ADDITIONAL
ADDITIONAL
AANVULLENDE INSURANCE
INSURANCE PACKAGES
VERZEKERINGENPACKAGES
Personal
Reim- Deduct- contri-
bursement ible bution ‘Start’
‘Start’ ‘Basis
‘Basis Collectief’
Collectief’‘Plus
‘Plus Collectief’
Collectief’ ‘Top
‘Top Collectief’
Collectief’ ‘Jongeren’
‘Jongeren’ ‘50+’
‘50+’
Therapeutic
Therapeuticcamp
campfor
forchildren
children €€200
200 €€200
200 €€200
200
Healthcare
Healthcare abroad
abroad
Non
Non-
Non
Non---urgent
urgentmedical
medicalcare
careabroad
abroad l
l Yes
Urgent
Urgentmedical
medicalcare
careabroad
abroadduring
duringtemporary
temporarystays
stays(in
(inline
line with
with usual
usual
l
l Yes
market
marketrate
rateapplicable
applicablein
inthe
theNetherlands)
Netherlands)
••in
inEU/EEA
EU/EEAcountries,
countries,Switzerland,
Switzerland,Australia,
Australia,Bosnia
Bosniaand
and Herzegovina,
Herzegovina,
Cape
CapeVerde,
Verde,Macedonia,
Macedonia,Morocco,
Morocco,Montenegro,
Montenegro,Serbia,
Serbia, Tunisia
Tunisia and
and 100%
100% 100%
100% 100%
100% 100%
100% 100%
100% 100%
100%
Turkey
Turkey
••in
incountries
countriesother
otherthan
thanthose
thosestated
statedabove
above(limited
(limitedto
toaa maximum
maximum of
of
ü
ü ü
ü ü
ü üü üü üü
twice
twicethe
theusual
usualmarket
marketrate
rateapplicable
applicablein
inthe
theNetherlands)
Netherlands)
••organisational
organisationalcosts
coststhrough
throughemergency
emergencycentre
centre ü
ü ü
ü ü
ü üü üü üü
••medically
medicallynecessary
necessaryrepatriation
repatriationfor
forsick
sickinsured
insuredperson
person ü
ü ü
ü ü
ü üü üü üü
••dental
dentalhelp
help €€275
275 €€275
275 €€275
275 €€275
275 €€275
275 €€275
275
Childbirth
Childbirth and
and obstetric
obstetric care
care
Fertility
Fertilitytreatment
treatment l
l Yes
Antenatal
Antenatalscreening
screeningon
onmedical
medicalgrounds
grounds l
l Possible
Health
Health-
Health
Health---related
relatedchildbirth
childbirthpreparation
preparationclass
class €€100
100 €€100
100 €€200
200
Maternity
Maternitypackage
package l
l
Outpatient
Outpatientchildbirth
childbirthon
onnon
non-
non
non-
--medical
medicalgrounds
grounds l
l Yes
Reimbursement
Reimbursementof
ofpersonal
personalcontribution
contributionfor
foroutpatient
outpatientchildbirth
childbirth on
on
ü
ü ü
ü üü
non
non-
non
non-
--medical
medicalgrounds
grounds
Outpatient
Outpatientchildbirth/childbirth
childbirth/childbirthin
inhospital
hospitalon
onmedical
medicalgrounds
grounds l
l
Obstetric
Obstetrichelp
helpduring
duringaahome
homebirth
birth l
l
Obstetric
Obstetriccare
carein
inmaternity
maternitycentre
centreor
orhospital
hospitalon
onnon
non-
non
non---medical
medical grounds
grounds l
l Yes
Obstetric
Obstetriccare
carein
inhospital
hospitalon
onmedical
medicalgrounds
grounds l
l
aa maximum
maximum of 10
Obstetric
Obstetriccare
careat
athome
home Yes
days
days
Reimbursement
Reimbursementof
ofpersonal
personalcontribution
contributionfor
forobstetric
obstetriccare
care 75%
75% ü
ü üü
Additional
Additionalobstetric
obstetriccare
careon
onmedical
medicalgrounds
grounds 44days
days 44days
days 44days
days
Obstetric
Obstetriccare
careafter
afterhospitalisation
hospitalisation 66hours
hours 66hours
hours 66hours
hours
Aftercare
Aftercarefollowing
followingcare
carein
inincubator
incubator 12
12hours
hours 12
12hours
hours 12
12hours
hours
Lactation
Lactationconsultant
consultant €€200
200 €€200
200 €€200
200
Transport
Transport
Transport
Transportby
byambulance
ambulance(200km
(200kmone
one-
one
one---way)
way) l
l Yes
Transport
Transportby
byprivate
privatecar
caron
onmedical
medicalgrounds
grounds((€
((€
€€0.30
0.30per
perkm)
km) l
l Yes Yes
l
l Yes Yes
Transport
Transportby
bytaxi/public
taxi/publictransport
transporton
onmedical
medicalgrounds
grounds(200km
(200km one
one-
one
one---way)
way)
Mental
Mental healthcare
healthcare
Specialist
Specialistmental
mentalhealthcare
healthcarefrom
fromthe
theage
ageof
of18
18 l
l Yes
Basic
Basicmental
mentalhealthcare
healthcarefrom
fromthe
theage
ageof
of18
18 l
l Yes
14
14 15STEP 1 STEP
STEP 22
BASISVERZEKERINGEN
GENERAL INSURANCE POLICIES ADDITIONAL
ADDITIONAL
AANVULLENDE INSURANCE
INSURANCE PACKAGES
VERZEKERINGENPACKAGES
Personal
Reim- Deduct- contri-
bursement ible bution ‘Start’
‘Start’ ‘Basis
‘Basis Collectief’
Collectief’‘Plus
‘Plus Collectief’
Collectief’ ‘Top
‘Top Collectief’
Collectief’ ‘Jongeren’
‘Jongeren’ ‘50+’
‘50+’
Drop
Drop-
Drop
Drop---in
incentres
centresfor
forcancer
cancerpatients/survivors
patients/survivorsand
andtheir
their families
families €€150
150 €€150
150 €€150
150 €€150
150 €€150
150 €€150
150
Medical
Medical aids
aids
Full
Fullor
orpartial
partialreimbursement
reimbursementof
ofmedical
medicalaids
aidssuch
suchas
asorthopaedic
orthopaedic shoes,
shoes,
wigs
wigsand
andincontinence
incontinence-
incontinence
incontinence-
--related
relatedproducts.
products.The
Theregulations
regulations on
on medical
medical aids
aids
(‘(Reglement
‘ReglementHulpmiddelen
Hulpmiddelen’
Hulpmiddelen
Hulpmiddelen’’)’)available
availableat
at l
l Possible Possible
www.cz.nl/voorwaardencollectief
www.cz.nl/voorwaardencollectief(in
(inDutch)
Dutch)specify
specifythe
the reimbursement
reimbursement
and
andpersonal
personalcontribution
contributionfor
foreach
eachmedical
medicalaid.
aid.
Glasses,
Glasses,contact
contactlenses
lensesand
andlaser
lasereye
eyetreatment
treatment(every
(every two
two calendar
calendar
€€100
100 €€200
200 €€100
100 €€100
100
years)
years)
Arch
Archsupports
supportsand
andorthotic
orthoticinsoles
insoles €€60
60 €€75
75 €€75
75 €€60
60 €€60
60
Bedwetting
Bedwettingalarm,
alarm,hire/purchase
hire/purchase(once
(onceduring
duringthe
theentire
entire insurance
insurance term)
term) ü
ü ü
ü üü
Test
Teststrips
stripsfor
fornon
non-
non
non---insulin
insulindependent
dependentdiabetes
diabetespatients
patients €€40
40 €€40
40 €€40
40 €€40
40
Reimbursement
Reimbursementof
ofpersonal
personalcontribution
contributionfor
forwig
wigor
orother
other headpiece
headpiece €€75
75 €€75
75 €€75
75 €€7575
Reimbursement
Reimbursementof
ofpersonal
personalcontribution
contributionfor
forhearing
hearingaids
aids (per
(per device)
device) €€100
100 €€200
200 €€300
300
Support
Supportpessary
pessary ü
ü ü
ü üü üü
Medical
Medicalaids
aidsfor
forActivities
Activitiesof
ofDaily
DailyLiving
Living(ADLs)
(ADLs) €€70
70 €€70
70 €€70
70 €€100
100
Home
Homemonitor
monitor 24
24months
months 24
24months
months 24
24months
months
Home
Homecare
careitems
items 50%
50% 50%
50% üü 75%
75%
Epileptic
Epilepticseizure
seizurealarms
alarms ü
ü ü
ü üü üü
Cranial
Cranialorthosis
orthosis ü
ü ü
ü üü
Post
Post-
Post
Post-
--mastectomy
mastectomylingerie
lingerie(once
(onceduring
duringthe
theentire
entireinsurance
insurance term)
term) €€90
90 €€90
90 €€90
90 €€90
90 €€90
90
Preventive
Preventive healthcare
healthcare
Preventive
Preventiveexaminations
examinations €€100
100 €€150
150 €€200
200 €€50
50
Flu
Flujab
jab ü
ü ü
ü üü üü
Vaccinations
Vaccinationsand
andtablets
tabletsfor
fortravel
travelabroad
abroad 50%
50% 75%
75% üü üü üü
Coping
Copingwith
withtraumas
traumas(care
(careafter
afteraadistressing
distressingevent)
event) ü
ü üü
Courses
Coursesfor
forquitting
quittingsmoking,
smoking,problematic
problematicalcohol
alcoholconsumption
consumption and
and
l
l Yes
coping
copingwith
withdepression
depression
Fall
Fallprevention
prevention(once
(onceduring
duringthe
theentire
entireinsurance
insuranceterm)
term) €€50
50 €€50
50 €€50
50 €€100
100
Advice
Advice
Sports
Sportsmedicine
medicine-
medicine
medicine---related
relatedadvice
advice €€100
100 €€150
150 €€150
150 €€150
150 €€150
150
Consultations
Consultationsand
andadvice
advicefor
forwomen
women €€200
200 €€200
200 €€200
200 €€200
200
Dietetics
Dietetics 33 hours
hours Yes €€120
120 €€120
120 €€120
120 €€120
120 €€120
120
Dietary
Dietaryadvice
advice €€50
50 €€75
75 €€100
100 €€50
50 €€7575
Courses
Courses and
and exercise
exercise programmes
programmes
Health
Healthcourses
courses €€50
50 €€100
100 €€200
200 €€50
50 €€100
100
Exercise
Exerciseprogrammes
programmes(once
(onceevery
every33years)
years) €€350
350 €€350
350 €€350
350 €€350
350 €€350
350 €€350
350
Self
Self-
Self
Self-
--management
managementcourse
coursefor
forchronic
chronicconditions
conditions(once
(onceduring
during the
the entire
entire
€€100
100 €€100
100 €€100
100 €€100
100
insurance
insuranceterm)
term)
Carer
Carercourse
course(once
(onceduring
duringthe
theentire
entireinsurance
insuranceterm)
term) €€150
150 €€150
150 €€150
150 €€150
150 €€150
150
Oral
Oral care
care in
in the
the event
event of
of accidents
accidents
Emergency
Emergencydental
dentalcare
carein
inthe
theevent
eventof
ofaccidents
accidents(total
(totalreimbursement
reimbursement
€€10,000
10,000 €€10,000
10,000 €€10,000
10,000 €€10,000
10,000 €€10,000
10,000 €€10,000
10,000
per
peraccident
accidentregardless
regardlessof
ofnumber
numberof
ofadditional
additionalinsurance
insurance packages)
packages)
16
16 17STEP 1 STEP
STEP 33
BASISVERZEKERINGEN
GENERAL INSURANCE POLICIES DENTAL
DENTAL INSURANCE
AANVULLENDE TANDARTSVERZEKERINGEN
INSURANCE PACKAGES
PACKAGES
Personal
Reim- Deduct- contri-
bursement ible bution ‘Tandarts
‘Tandarts Collectief’
Collectief’ ‘Uitgebreide
‘Uitgebreide Tandarts
Tandarts Collectief’
Collectief’ ‘Jongeren’
‘Jongeren’
Total
Total reimbursement
reimbursement for
for dental
dental care
care €450
€ 450 €1,150
€ 1,150 €450
€ 450
Dental
Dental care
care up
up to
to the
the age
age of
of 18
18
Check
Check-
Check
Check-
--ups
ups l
l
Fluoride
Fluoridetreatment
treatment l
l
Other
Otherdental
dentalcare
caresuch
suchas
astooth
toothremoval,
removal,fillings
fillingsand
androot
root canal
canal
l
l
treatment
treatment
Dental
Dental care
care from
from the
the age
age of
of 18
18
Check
Check-
Check
Check-
--ups
ups 100%
100% 100%
100% 100%
100%
Other
Otherdental
dentalcare
caresuch
suchas
astooth
toothremoval,
removal,fillings
fillingsand
androot
root canal
canal
100%
100% 100%
100% 75%
75%
treatment
treatment
Dental
Dental care
care for
for all
all age
age groups
groups
Crowns,
Crowns,inlays,
inlays,resin
resin-
resin
resin-
--retained
retainedbridges,
bridges,pontics
ponticsand
androot
rootcaps
caps 75%
75% 75%
75% 75%
75%
once
once every 5 75%
75% of
of the
thepersonal
personalcontribution
contributionpayable
payable 75%
75%of
ofthe
thepersonal
personalcontribution
contributionpayable
payable 75%
75%ofofthe
thepersonal
personalcontribution
contributionpayable
payable
Full
Fullset
setof
ofdentures
dentures(upper
(upperand/or
and/orlower)
lower) Yes Yes
years
years under
under the
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy
75%
75% of
of the
thepersonal
personalcontribution
contributionpayable
payable 75%
75%of
ofthe
thepersonal
personalcontribution
contributionpayable
payable 75%
75%ofofthe
thepersonal
personalcontribution
contributionpayable
payable
Repair/rebasing
Repair/rebasingof
offull
fulldentures
dentures(upper
(upperand/or
and/orlower)
lower) l
l Yes Yes
under
under the
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy
Partial
Partialset
setof
ofdentures
denturesor
ormetal
metalplate
platedenture
denture 75%
75% 75%
75% 75%
75%
75%
75% of
of the
thepersonal
personalcontribution
contributionpayable
payable 75%
75%of
ofthe
thepersonal
personalcontribution
contributionpayable
payable 75%
75%ofofthe
thepersonal
personalcontribution
contributionpayable
payable
Upper
Upperimplant
implantoverdentures
overdentures l
l Yes Yes
under
under the
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy
75%
75% of
of the
thepersonal
personalcontribution
contributionpayable
payable 75%
75%of
ofthe
thepersonal
personalcontribution
contributionpayable
payable 75%
75%ofofthe
thepersonal
personalcontribution
contributionpayable
payable
Lower
Lowerimplant
implantoverdentures
overdentures l
l Yes Yes
under
under the
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy under
underthe
thegeneral
generalinsurance
insurancepolicy
policy
Implant
Implantfees
feesand
andadditional
additionalinpatient
inpatientor
oroutpatient
outpatientcosts
costs l
l Yes
Dental
Dentalcare
carefor
forcertain
certainindications/handicaps
indications/handicaps l
l Yes
Orthodontic
Orthodontic care
care €350
€ 350
Orthodontic
Orthodonticcare
careup
upto
tothe
theage
ageof
of22
22(once
(onceduring
duringthe
theentire
entire insurance
insurance
100%
100% 100%
100%
term)
term)
Orthodontic
Orthodonticcare
carefrom
fromthe
theage
ageof
of22
22(once
(onceduring
duringthe
theentire
entire insurance
insurance
80%,
80%, up
upto
to€€2,045
2,045 100%
100%
term)
term)
Orthodontic
Orthodonticcare
carefor
forcertain
certainindications/handicaps
indications/handicaps l
l Yes
Oral
Oral care
care in
in the
the event
event of
of accidents
accidents
Emergency
Emergencydental
dentalcare
carein
inthe
theevent
eventof
ofaccidents
accidents(total
(totalreimbursement
reimbursement
€€10,000
10,000 €€10,000
10,000 €€10,000
10,000
per
peraccident
accidentregardless
regardlessof
ofnumber
numberof
ofadditional
additionalinsurance
insurance packages)
packages)
18
18 19Everything for better healthcare
Legal information
Organisation
CZ Groep Zorgverzekeraar, name under the articles of association:
'OWM Centrale Zorgverzekeraars Groep', Zorgverzekeraar u.a.
(COC no. 41095222) CZ Groep Aanvullende Verzekering
Zorgverzekeraar, name under the articles of association: 'OWM
Centrale Zorgverzekeraars Groep' Aanvullende Verzekering
Zorgverzekeraar u.a. (COC no. 18028752)
Address
Postbus 90152, 5000 LD Tilburg, Netherlands
Viewing the terms and conditions of insurance
Visit www.cz.nl/conditions-collective (in Dutch) or one of our
branches,
or give us a call. Insurance contracts are governed by Dutch law.
Complaints
Please let us know if you are not happy with our services. You can
consult our internal complaints procedure at www.cz.nl/klachten (in
Dutch). As a health insurer, CZ is affiliated with 'Stichting Klachten en
Geschillen Gezondheidszorg' (SKGZ), which has been appointed by
the government to resolve health insurance disputes. SKGZ meets all
of the government's quality requirements. Further information is
available at www.skgz.nl (in Dutch). The following bodies also
supervise our insurance operations: 'De Nederlandsche Bank', the
'Autoriteit Financiële Markten' (permit numbers 12001020/12000561),
the 'Nederlandse Zorgautoriteit' and the 'Nederlands Zorginstituut'.
590.301.1801
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