Pakketoverzicht 'Collectief' Group health insurance 2018 - CZ

 
 
Pakketoverzicht 'Collectief' Group health insurance 2018 - CZ
CZ Zorgverzekeringen 2018
'Collectief' Group health insurance
Pakketoverzicht 'Collectief' Group health insurance 2018 - CZ
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                                                                                                          3
Health 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                                                                                                                                                                                                                               55
Switching 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                                                                                                                77
CZ — 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                                                                                                                                                                             99
Package 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                                                                                                                                                                                                                 1111
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+’

       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                                                                                                                                                                                                                       1313
STEP 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                                                                                                                                                                                                                      15
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+’

      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                                                                                                                                                                                                                    17
STEP 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                                                                                                                                                                                                                                               19
Everything 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




     No rights can be derived from the content of this insurance overview.
Next part ... Cancel