Pakketoverzicht 'Collectief' Group health insurance 2018 - CZ

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

2 Register online in a matter of minutes 3 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. Just make sure that you have your Dutch personal identification number (BSN) to hand.

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. 2

Zorgbewustpolis’ ‘Zorg-op-maatpolis’ ‘Zorgkeuze­ polis’ Type of policy in-kind policy in-kind policy refund policy Reimbursement for contracted healthcare providers 100% 100% 100% Reimbursement for non-contracted healthcare providers 70% of the bill up to a max.

of 70% of the agreed average rate 75% of the bill up to a max. of 75% of the agreed average rate 100% up to the market rate applicable in the Netherlands Arranging insurance matters online online and by post online and by post Choice of voluntary deductible €500 €100/€200/ €300/€400/ €500 €100/€200/ €300/€400/ €500 STEP 1 4 See page 10 onwards to find out which healthcare these costs apply to STEP 2 STEP 3 5 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 kinds of deductibles in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government.

Tofind out more about deductibles, go to www.cz.nl/eigen-risico (in Dutch).
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. That way you avoid having to pay a large lump sum. If it turns out at the end of the year that you have paid too much, the surplus will automatically be refunded in the following year.

you don't pay a deductible for certain types of healthcare, such as GP appointments or obstetric care.
on top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500, making the maximum deductible €885. If you opt for this voluntary deductible, you pay a lower premium. 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 Some healthcare is not reimbursed under the general insurance policy,or is only reimbursed in part. You can insure this healthcare separately by taking out an additional insurance package. CZ accepts everyone for additional insurance, regardless of their age, stage of life or current or future healthcare needs. We offer packages with increasing levels of reimbursement, as well as packages that are suited to particular stages of life.

Dental insurance packages CZ has two group dental insurance packages — Tandarts Collectief' and 'Uitgebreide Tandarts Collectief'. We will assess your teeth based on a statement from your dentist before deciding whether to accept your application for the Uitgebreide Tandarts Collectief' dental package. For the Tandarts Collectief' insurance package, no such statement is required. If you choose the additional Jongeren' package, you don't need a dental insurance package, as these packages already include reimbursement for dental care.

Why does CZ make agreements with healthcare providers? We believe that good healthcare should be both accessible and affordable, which is why we make agreements with healthcare providers.

If you choose a healthcare provider with whom we have a contract, any treatment you receive will meet our quality standards. Agreements have also been made about waiting periods and the availability and cost of healthcare. CZ pays the healthcare provider directly, so you won’t need to pay any bills yourself first. If you want to know whether we have a contract with your healthcare provider, or if you want to find a contracted healthcare provider near you, please visit www.cz.nl/zorgvinder (in Dutch). ‘Zorgbewustpolis’ ‘Zorg-op-maatpolis’ ‘Zorgkeuze­ polis’ Type of policy in-kind policy in-kind policy refund policy Reimbursement for contracted healthcare providers 100% 100% 100% Reimbursement for non-contracted healthcare providers 70% of the bill up to a max.

of 70% of the agreed average rate 75% of the bill up to a max. of 75% of the agreed average rate 100% up to the market rate applicable in the Netherlands Arranging insurance matters online online and by post online and by post Choice of voluntary deductible €500 €100/€200/ €300/€400/ €500 €100/€200/ €300/€400/ €500 STEP 1 4 See page 10 onwards to find out which healthcare these costs apply to STEP 2 STEP 3 5 Health insurance that suits you When it comes to health insurance, there is no single package that is right for everyone. Follow our three steps to find out which health insurance best meets your needs.

The package overview starting on page 10 summarises the reimbursements provided by each policy.

You can select different insurance packages for family members aged 18 or above. Coinsured children under 18 do not need to pay a premium and they are given the same package as the parent/carer with the most expensive additional insurance package. General insurance policy The general insurance policy reimburses the most necessary healthcare costs. Everyone living or working in the Netherlands is legally obliged to take out a general insurance policy.CZ has three general insurance policies to choose from — de 'Zorgbewustpolis', de 'Zorg-op-maatpolis' en de 'Zorgkeuzepolis'. Difference between in-kind and refund policies The ‘Zorgbewustpolis’ and the ‘Zorg-op-maatpolis’ are both in-kind policies, while the ‘Zorgkeuzepolis’ is a refund policy.

Reimbursement for healthcare from contracted providers is the same under all policies. You can view the reimbursement for healthcare from non-contracted providers in the chart above. Reimbursement for in-kind policies is calculated based on the average rate agreed with contracted healthcare providers. For refund policies, we reimburse 100% of the bill up to a maximum of the rate deemed to be reasonable in the Netherlands. Further information is available at www.cz.nl/niet-gecontracteerde-zorg (in Dutch).

6 7 Our customers have given our app a great 4-star rating! 6 7 Our customers have given our app a great 4-star rating! 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.

CZ’s additional benefits
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.

8 9 Help for informal caregivers If you are caring for someone and could use some help with making the necessary arrangements, or if you need carer relief, visit www.cz.nl/mantelzorg (in Dutch) to find out about all of our services for informal caregivers.

You can also order a CZ caregiver card (‘Mantelzorgpas’) and book (‘Mantelzorgboek’) to record information about the person you are caring for. For informal caregivers caring for a person with dementia, we offer online seminars by experts discussing themes like ‘Dementia or just forgetfulness?’ and 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). CZ — helping you further We are always happy to talk to you about how we can help, but you might prefer to find out for yourself about the services CZ offers.

If that's the case, simply visit www.cz.nl/zorgadvies (in Dutch) to see how we can help you find and get the best healthcare.

8 9 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.
if you have an important consultation with your doctor coming up, we can give you practical tips on how best to prepare.

if you are unsure about a diagnosis or treatment, we can help you get a second opinion, for example, from a leading international specialist (‘Best Doctors®’).
if you want information about how you can arrange home nursing, home modifications and transport to and from hospital, you can use the handy CZ Assistance Guide (‘HulpWijzer’).
if your doctor has given you a referral, we can help you find the best healthcare provider near you.

Maternity care advice Our maternity care advisers will be pleased to arrange the right care for you and your newborn(s). You can ask about reimbursements, for example, or about how to request obstetric care. Simply visit www.cz.nl/geboortezorg (in Dutch) to see what we can do for you.

11 STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Specialist medical healthcare Specialist medical healthcare l Yes Yes Admission Admission l Yes Yes Thrombosis service Thrombosis service l Yes Yes Correction of the position of the ears Correction of the position of the ears ü ü Sterilisation Sterilisation Male: Male: € €400 400 Male: Male: € €400 400 Female: Female: € €1,250 1,250 Female: Female: € €1,250 1,250 Second opinion from a doctor Second opinion from a doctor l Yes Yes Rehabilitation Rehabilitation l Yes Yes Transplants (organ/tissue) Transplants (organ/tissue) l Yes Yes Sensory impairment care Sensory impairment care l Yes Yes Accommodation costs Accommodation costs € €500 500 € €500 500 € €500 500 € €500 500 € €500 500 € €500 500 Childcare in the case of hospitalisation Childcare in the case of hospitalisation € €200 200 € €200 200 Personal contribution for hospice care Personal contribution for hospice care € €30 per day 30 per day € €30 per day 30 per day € €30 per day 30 per day Genetic testing and advice Genetic testing and advice l Yes Yes Audiology care Audiology care l Yes Yes Mechanical ventilation Mechanical ventilation l Yes Yes Help with children Help with children’’s cancer treatment s cancer treatment l General practitioner General practitioner l Healthcare in a hospital General practitioner care 10 STEP 1 AANVULLENDE VERZEKERINGEN GENERAL INSURANCE POLICIES 11 STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 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). Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Specialist medical healthcare Specialist medical healthcare l Yes Yes Admission Admission l Yes Yes Thrombosis service Thrombosis service l Yes Yes Correction of the position of the ears Correction of the position of the ears ü ü Sterilisation Sterilisation Male: Male: € €400 400 Male: Male: € €400 400 Female: Female: € €1,250 1,250 Female: Female: € €1,250 1,250 Second opinion from a doctor Second opinion from a doctor l Yes Yes Rehabilitation Rehabilitation l Yes Yes Transplants (organ/tissue) Transplants (organ/tissue) l Yes Yes Sensory impairment care Sensory impairment care l Yes Yes Accommodation costs Accommodation costs € €500 500 € €500 500 € €500 500 € €500 500 € €500 500 € €500 500 Childcare in the case of hospitalisation Childcare in the case of hospitalisation € €200 200 € €200 200 Personal contribution for hospice care Personal contribution for hospice care € €30 per day 30 per day € €30 per day 30 per day € €30 per day 30 per day Genetic testing and advice Genetic testing and advice l Yes Yes Audiology care Audiology care l Yes Yes Mechanical ventilation Mechanical ventilation l Yes Yes Help with children Help with children’’s cancer treatment s cancer treatment l General practitioner General practitioner l Healthcare in a hospital General practitioner care

STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 12 13 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Medicines under the Medicines Reimbursement System (GVS) Medicines under the Medicines Reimbursement System (GVS) l Yes Yes Possible Possible Reimbursement of Medicines Reimbursement System (GVS) personal Reimbursement of Medicines Reimbursement System (GVS) personal contribution contribution € €500 500 ü Contraceptives under the Medicines Reimbursement System (GVS) up to Contraceptives under the Medicines Reimbursement System (GVS) up to the age of 21 the age of 21 l Yes Yes Possible Possible Contraceptives under the Medicines Reimbursement System (GVS) from Contraceptives under the Medicines Reimbursement System (GVS) from the age of 21 the age of 21 € €200 200 € €200 200 € €200 200 € €200 200 Dietary preparations Dietary preparations l Yes Yes Condoms (order at www.cz.nl/condooms (in Dutch)) Condoms (order at www.cz.nl/condooms (in Dutch)) 50 per year 50 per year District nursing District nursing l Carer relief Carer relief 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days Total reimbursement for alternative treatment methods and medicines Total reimbursement for alternative treatment methods and medicines € €250 250 € €450 450 € €650 650 € €200 200 € €350 350
alternative treatment methods alternative treatment methods € €30 per day 30 per day € €40 per day 40 per day € €40 per day 40 per day € €30 per day 30 per day € €40 per day 40 per day
alternative medicines alternative medicines Physiotherapy, exercise therapy Physiotherapy, exercise therapy
up to the age of 18 up to the age of 18 maximum of 18 maximum of 18 sessions per sessions per condition condition 9 sessions 9 sessions 21 sessions 21 sessions 36 sessions 36 sessions 15 sessions 15 sessions
up to the age of 18 (for treatments on the list of conditions for up to the age of 18 (for treatments on the list of conditions for physiotherapy and exercise therapy) physiotherapy and exercise therapy) l
from the age of 18 from the age of 18 9 sessions 9 sessions 21 sessions 21 sessions 36 sessions 36 sessions 9 sessions 9 sessions 15 sessions 15 sessions
from the age of 18 (for treatments on the list of conditions for from the age of 18 (for treatments on the list of conditions for physiotherapy and exercise therapy) physiotherapy and exercise therapy) from the 21st from the 21st session session Yes Yes
intermittent claudication intermittent claudication 37 sessions 37 sessions Yes Yes
pelvic physiotherapy (once during the entire insurance term) pelvic physiotherapy (once during the entire insurance term) 9 sessions 9 sessions Yes Yes
exercise therapy for knee and hip osteoarthritis exercise therapy for knee and hip osteoarthritis 12 sessions 12 sessions Yes Yes Occupational therapy Occupational therapy
up to the age of 18 up to the age of 18 10 hours 10 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours
from the age of 18 from the age of 18 10 hours 10 hours Yes Yes
carer training/supervision for occupational therapy carer training/supervision for occupational therapy 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours Speech and language therapy Speech and language therapy l Yes Yes
stammer therapy stammer therapy — therapy costs (once during the entire insurance therapy costs (once during the entire insurance term) term) € €685 685 € €685 685 € €685 685 Stammer therapy Stammer therapy — accommodation costs accommodation costs € €15 per day 15 per day € €15 per day 15 per day € €15 per day 15 per day Foot treatment and advice (on medical grounds) Foot treatment and advice (on medical grounds) € €70 70 € €230 230 € €230 230 € €70 70 € €230 230 Foot treatment in other cases Foot treatment in other cases € €70 70 € €115 115 € €115 115 € €70 70 € €115 115 Skin therapy Skin therapy
treatment of facial acne treatment of facial acne € €230 230 € €230 230 € €230 230 € €230 230 € €230 230
camouflage therapy in the face/neck (once during the entire insurance camouflage therapy in the face/neck (once during the entire insurance term) term) € €200 200 € €200 200 € €200 200 € €200 200 € €200 200
facial hair removal (once during the entire insurance term) facial hair removal (once during the entire insurance term) € €570 570 € €570 570 € €570 570 € €570 570 € €570 570 UVB light equipment UVB light equipment l Yes Yes Medicines and pharmacy Nursing and personal care Alternative treatment methods and medicines Therapies STEP 1 AANVULLENDE VERZEKERINGEN GENERAL INSURANCE POLICIES STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 12 13 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Medicines under the Medicines Reimbursement System (GVS) Medicines under the Medicines Reimbursement System (GVS) l Yes Yes Possible Possible Reimbursement of Medicines Reimbursement System (GVS) personal Reimbursement of Medicines Reimbursement System (GVS) personal contribution contribution € €500 500 ü Contraceptives under the Medicines Reimbursement System (GVS) up to Contraceptives under the Medicines Reimbursement System (GVS) up to the age of 21 the age of 21 l Yes Yes Possible Possible Contraceptives under the Medicines Reimbursement System (GVS) from Contraceptives under the Medicines Reimbursement System (GVS) from the age of 21 the age of 21 € €200 200 € €200 200 € €200 200 € €200 200 Dietary preparations Dietary preparations l Yes Yes Condoms (order at www.cz.nl/condooms (in Dutch)) Condoms (order at www.cz.nl/condooms (in Dutch)) 50 per year 50 per year District nursing District nursing l Carer relief Carer relief 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days 14 days Total reimbursement for alternative treatment methods and medicines Total reimbursement for alternative treatment methods and medicines € €250 250 € €450 450 € €650 650 € €200 200 € €350 350
alternative treatment methods alternative treatment methods € €30 per day 30 per day € €40 per day 40 per day € €40 per day 40 per day € €30 per day 30 per day € €40 per day 40 per day
alternative medicines alternative medicines Physiotherapy, exercise therapy Physiotherapy, exercise therapy
up to the age of 18 up to the age of 18 maximum of 18 maximum of 18 sessions per sessions per condition condition 9 sessions 9 sessions 21 sessions 21 sessions 36 sessions 36 sessions 15 sessions 15 sessions
up to the age of 18 (for treatments on the list of conditions for up to the age of 18 (for treatments on the list of conditions for physiotherapy and exercise therapy) physiotherapy and exercise therapy) l
from the age of 18 from the age of 18 9 sessions 9 sessions 21 sessions 21 sessions 36 sessions 36 sessions 9 sessions 9 sessions 15 sessions 15 sessions
from the age of 18 (for treatments on the list of conditions for from the age of 18 (for treatments on the list of conditions for physiotherapy and exercise therapy) physiotherapy and exercise therapy) from the 21st from the 21st session session Yes Yes
intermittent claudication intermittent claudication 37 sessions 37 sessions Yes Yes
pelvic physiotherapy (once during the entire insurance term) pelvic physiotherapy (once during the entire insurance term) 9 sessions 9 sessions Yes Yes
exercise therapy for knee and hip osteoarthritis exercise therapy for knee and hip osteoarthritis 12 sessions 12 sessions Yes Yes Occupational therapy Occupational therapy
up to the age of 18 up to the age of 18 10 hours 10 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours
from the age of 18 from the age of 18 10 hours 10 hours Yes Yes
carer training/supervision for occupational therapy carer training/supervision for occupational therapy 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours Speech and language therapy Speech and language therapy l Yes Yes
stammer therapy stammer therapy — therapy costs (once during the entire insurance therapy costs (once during the entire insurance term) term) € €685 685 € €685 685 € €685 685 Stammer therapy Stammer therapy — accommodation costs accommodation costs € €15 per day 15 per day € €15 per day 15 per day € €15 per day 15 per day Foot treatment and advice (on medical grounds) Foot treatment and advice (on medical grounds) € €70 70 € €230 230 € €230 230 € €70 70 € €230 230 Foot treatment in other cases Foot treatment in other cases € €70 70 € €115 115 € €115 115 € €70 70 € €115 115 Skin therapy Skin therapy
treatment of facial acne treatment of facial acne € €230 230 € €230 230 € €230 230 € €230 230 € €230 230
camouflage therapy in the face/neck (once during the entire insurance camouflage therapy in the face/neck (once during the entire insurance term) term) € €200 200 € €200 200 € €200 200 € €200 200 € €200 200
facial hair removal (once during the entire insurance term) facial hair removal (once during the entire insurance term) € €570 570 € €570 570 € €570 570 € €570 570 € €570 570 UVB light equipment UVB light equipment l Yes Yes Medicines and pharmacy Nursing and personal care Alternative treatment methods and medicines Therapies

STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 14 15 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Therapeutic camp for children Therapeutic camp for children € €200 200 € €200 200 € €200 200 Non Non- -urgent medical care abroad urgent medical care abroad l Yes Yes Urgent medical care abroad during temporary stays (in line with usual Urgent medical care abroad during temporary stays (in line with usual market rate applicable in the Netherlands) market rate applicable in the Netherlands) l Yes Yes
in EU/EEA countries, Switzerland, Australia, Bosnia and Herzegovina, in EU/EEA countries, Switzerland, Australia, Bosnia and Herzegovina, Cape Verde, Macedonia, Morocco, Montenegro, Serbia, Tunisia and Cape Verde, Macedonia, Morocco, Montenegro, Serbia, Tunisia and Turkey Turkey 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
in countries other than those stated above (limited to a maximum of in countries other than those stated above (limited to a maximum of twice the usual market rate applicable in the Netherlands) twice the usual market rate applicable in the Netherlands) organisational costs through emergency centre organisational costs through emergency centre medically necessary repatriation for sick insured person medically necessary repatriation for sick insured person dental help dental help € €275 275 € €275 275 € €275 275 € €275 275 € €275 275 € €275 275 Fertility treatment Fertility treatment l Yes Yes Antenatal screening on medical grounds Antenatal screening on medical grounds l Possible Possible Health Health- -related childbirth preparation class related childbirth preparation class € €100 100 € €100 100 € €200 200 Maternity package Maternity package l Outpatient childbirth on non Outpatient childbirth on non- -medical grounds medical grounds l Yes Yes Reimbursement of personal contribution for outpatient childbirth on Reimbursement of personal contribution for outpatient childbirth on non non- -medical grounds medical grounds ü ü ü Outpatient childbirth/childbirth in hospital on medical grounds Outpatient childbirth/childbirth in hospital on medical grounds l Obstetric help during a home birth Obstetric help during a home birth l Obstetric care in maternity centre or hospital on non Obstetric care in maternity centre or hospital on non- -medical grounds medical grounds l Yes Yes Obstetric care in hospital on medical grounds Obstetric care in hospital on medical grounds l Obstetric care at home Obstetric care at home a maximum of 10 a maximum of 10 days days Yes Yes Reimbursement of personal contribution for obstetric care Reimbursement of personal contribution for obstetric care 75% 75% ü ü Additional obstetric care on medical grounds Additional obstetric care on medical grounds 4 days 4 days 4 days 4 days 4 days 4 days Obstetric care after hospitalisation Obstetric care after hospitalisation 6 hours 6 hours 6 hours 6 hours 6 hours 6 hours Aftercare following care in incubator Aftercare following care in incubator 12 hours 12 hours 12 hours 12 hours 12 hours 12 hours Lactation consultant Lactation consultant € €200 200 € €200 200 € €200 200 Transport by ambulance (200km one Transport by ambulance (200km one- -way) way) l Yes Yes Transport by private car on medical grounds ( Transport by private car on medical grounds (€ €0.30 per km) 0.30 per km) l Yes Yes Yes Yes Transport by taxi/public transport on medical grounds (200km one Transport by taxi/public transport on medical grounds (200km one- -way) way) l Yes Yes Yes Yes Specialist mental healthcare from the age of 18 Specialist mental healthcare from the age of 18 l Yes Yes Basic mental healthcare from the age of 18 Basic mental healthcare from the age of 18 l Yes Yes Healthcare abroad Childbirth and obstetric care Transport Mental healthcare STEP 1 AANVULLENDE VERZEKERINGEN GENERAL INSURANCE POLICIES STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 14 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Therapeutic camp for children Therapeutic camp for children € €200 200 € €200 200 € €200 200 Non Non- -urgent medical care abroad urgent medical care abroad l Yes Yes Urgent medical care abroad during temporary stays (in line with usual Urgent medical care abroad during temporary stays (in line with usual market rate applicable in the Netherlands) market rate applicable in the Netherlands) l Yes Yes
in EU/EEA countries, Switzerland, Australia, Bosnia and Herzegovina, in EU/EEA countries, Switzerland, Australia, Bosnia and Herzegovina, Cape Verde, Macedonia, Morocco, Montenegro, Serbia, Tunisia and Cape Verde, Macedonia, Morocco, Montenegro, Serbia, Tunisia and Turkey Turkey 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
in countries other than those stated above (limited to a maximum of in countries other than those stated above (limited to a maximum of twice the usual market rate applicable in the Netherlands) twice the usual market rate applicable in the Netherlands) organisational costs through emergency centre organisational costs through emergency centre medically necessary repatriation for sick insured person medically necessary repatriation for sick insured person dental help dental help € €275 275 € €275 275 € €275 275 € €275 275 € €275 275 € €275 275 Fertility treatment Fertility treatment l Yes Yes Antenatal screening on medical grounds Antenatal screening on medical grounds l Possible Possible Health Health- -related childbirth preparation class related childbirth preparation class € €100 100 € €100 100 € €200 200 Maternity package Maternity package l Outpatient childbirth on non Outpatient childbirth on non- -medical grounds medical grounds l Yes Yes Reimbursement of personal contribution for outpatient childbirth on Reimbursement of personal contribution for outpatient childbirth on non non- -medical grounds medical grounds ü ü ü Outpatient childbirth/childbirth in hospital on medical grounds Outpatient childbirth/childbirth in hospital on medical grounds l Obstetric help during a home birth Obstetric help during a home birth l Obstetric care in maternity centre or hospital on non Obstetric care in maternity centre or hospital on non- -medical grounds medical grounds l Yes Yes Obstetric care in hospital on medical grounds Obstetric care in hospital on medical grounds l Obstetric care at home Obstetric care at home a maximum of 10 a maximum of 10 days days Yes Yes Reimbursement of personal contribution for obstetric care Reimbursement of personal contribution for obstetric care 75% 75% ü ü Additional obstetric care on medical grounds Additional obstetric care on medical grounds 4 days 4 days 4 days 4 days 4 days 4 days Obstetric care after hospitalisation Obstetric care after hospitalisation 6 hours 6 hours 6 hours 6 hours 6 hours 6 hours Aftercare following care in incubator Aftercare following care in incubator 12 hours 12 hours 12 hours 12 hours 12 hours 12 hours Lactation consultant Lactation consultant € €200 200 € €200 200 € €200 200 Transport by ambulance (200km one Transport by ambulance (200km one- -way) way) l Yes Yes Transport by private car on medical grounds ( Transport by private car on medical grounds (€ €0.30 per km) 0.30 per km) l Yes Yes Yes Yes Transport by taxi/public transport on medical grounds (200km one Transport by taxi/public transport on medical grounds (200km one- -way) way) l Yes Yes Yes Yes Specialist mental healthcare from the age of 18 Specialist mental healthcare from the age of 18 l Yes Yes Basic mental healthcare from the age of 18 Basic mental healthcare from the age of 18 l Yes Yes Healthcare abroad Childbirth and obstetric care Transport Mental healthcare

STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 16 17 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Drop Drop- -in centres for cancer patients/survivors and their families in centres for cancer patients/survivors and their families € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 Full or partial reimbursement of medical aids such as orthopaedic shoes, Full or partial reimbursement of medical aids such as orthopaedic shoes, wigs and incontinence wigs and incontinence- -related products. The regulations on medical aids related products.

The regulations on medical aids ( (‘‘Reglement Hulpmiddelen Reglement Hulpmiddelen’’) ) available at available at www.cz.nl/voorwaardencollectief (in Dutch) specify the reimbursement www.cz.nl/voorwaardencollectief (in Dutch) specify the reimbursement and personal contribution for each medical aid.

and personal contribution for each medical aid. l Possible Possible Possible Possible Glasses, contact lenses and laser eye treatment (every two calendar Glasses, contact lenses and laser eye treatment (every two calendar years) years) € €100 100 € €200 200 € €100 100 € €100 100 Arch supports and orthotic insoles Arch supports and orthotic insoles € €60 60 € €75 75 € €75 75 € €60 60 € €60 60 Bedwetting alarm, hire/purchase (once during the entire insurance term) Bedwetting alarm, hire/purchase (once during the entire insurance term) ü ü ü Test strips for non Test strips for non- -insulin dependent diabetes patients insulin dependent diabetes patients € €40 40 € €40 40 € €40 40 € €40 40 Reimbursement of personal contribution for wig or other headpiece Reimbursement of personal contribution for wig or other headpiece € €75 75 € €75 75 € €75 75 € €75 75 Reimbursement of personal contribution for hearing aids (per device) Reimbursement of personal contribution for hearing aids (per device) € €100 100 € €200 200 € €300 300 Support pessary Support pessary ü ü ü ü Medical aids for Activities of Daily Living (ADLs) Medical aids for Activities of Daily Living (ADLs) € €70 70 € €70 70 € €70 70 € €100 100 Home monitor Home monitor 24 months 24 months 24 months 24 months 24 months 24 months Home care items Home care items 50% 50% 50% 50% ü 75% 75% Epileptic seizure alarms Epileptic seizure alarms ü ü ü ü Cranial orthosis Cranial orthosis ü ü ü Post Post- -mastectomy lingerie (once during the entire insurance term) mastectomy lingerie (once during the entire insurance term) € €90 90 € €90 90 € €90 90 € €90 90 € €90 90 Preventive examinations Preventive examinations € €100 100 € €150 150 € €200 200 € €50 50 Flu jab Flu jab ü ü ü ü Vaccinations and tablets for travel abroad Vaccinations and tablets for travel abroad 50% 50% 75% 75% ü ü ü Coping with traumas (care after a distressing event) Coping with traumas (care after a distressing event) ü ü Courses for quitting smoking, problematic alcohol consumption and Courses for quitting smoking, problematic alcohol consumption and coping with depression coping with depression l Yes Yes Fall prevention (once during the entire insurance term) Fall prevention (once during the entire insurance term) € €50 50 € €50 50 € €50 50 € €100 100 Sports medicine Sports medicine- -related advice related advice € €100 100 € €150 150 € €150 150 € €150 150 € €150 150 Consultations and advice for women Consultations and advice for women € €200 200 € €200 200 € €200 200 € €200 200 Dietetics Dietetics 3 hours 3 hours Yes Yes € €120 120 € €120 120 € €120 120 € €120 120 € €120 120 Dietary advice Dietary advice € €50 50 € €75 75 € €100 100 € €50 50 € €75 75 Health courses Health courses € €50 50 € €100 100 € €200 200 € €50 50 € €100 100 Exercise programmes (once every 3 years) Exercise programmes (once every 3 years) € €350 350 € €350 350 € €350 350 € €350 350 € €350 350 € €350 350 Self Self- -management course for chronic conditions (once during the entire management course for chronic conditions (once during the entire insurance term) insurance term) € €100 100 € €100 100 € €100 100 € €100 100 Carer course (once during the entire insurance term) Carer course (once during the entire insurance term) € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 Emergency dental care in the event of accidents (total reimbursement Emergency dental care in the event of accidents (total reimbursement per accident regardless of number of additional insurance packages) per accident regardless of number of additional insurance packages) € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 Medical aids Preventive healthcare Advice Courses and exercise programmes Oral care in the event of accidents STEP 1 AANVULLENDE VERZEKERINGEN GENERAL INSURANCE POLICIES STEP 2 BASISVERZEKERINGEN ADDITIONAL INSURANCE PACKAGES 16 Reimbursement Deductible Personal contribution ‘Start’ ‘Basis Collectief’ ‘Plus Collectief’ ‘Top Collectief’ ‘Jongeren’ ‘50+’ Drop Drop- -in centres for cancer patients/survivors and their families in centres for cancer patients/survivors and their families € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 Full or partial reimbursement of medical aids such as orthopaedic shoes, Full or partial reimbursement of medical aids such as orthopaedic shoes, wigs and incontinence wigs and incontinence- -related products.

The regulations on medical aids related products. The regulations on medical aids ( (‘‘Reglement Hulpmiddelen Reglement Hulpmiddelen’’) ) available at available at www.cz.nl/voorwaardencollectief (in Dutch) specify the reimbursement www.cz.nl/voorwaardencollectief (in Dutch) specify the reimbursement and personal contribution for each medical aid.

and personal contribution for each medical aid. l Possible Possible Possible Possible Glasses, contact lenses and laser eye treatment (every two calendar Glasses, contact lenses and laser eye treatment (every two calendar years) years) € €100 100 € €200 200 € €100 100 € €100 100 Arch supports and orthotic insoles Arch supports and orthotic insoles € €60 60 € €75 75 € €75 75 € €60 60 € €60 60 Bedwetting alarm, hire/purchase (once during the entire insurance term) Bedwetting alarm, hire/purchase (once during the entire insurance term) ü ü ü Test strips for non Test strips for non- -insulin dependent diabetes patients insulin dependent diabetes patients € €40 40 € €40 40 € €40 40 € €40 40 Reimbursement of personal contribution for wig or other headpiece Reimbursement of personal contribution for wig or other headpiece € €75 75 € €75 75 € €75 75 € €75 75 Reimbursement of personal contribution for hearing aids (per device) Reimbursement of personal contribution for hearing aids (per device) € €100 100 € €200 200 € €300 300 Support pessary Support pessary ü ü ü ü Medical aids for Activities of Daily Living (ADLs) Medical aids for Activities of Daily Living (ADLs) € €70 70 € €70 70 € €70 70 € €100 100 Home monitor Home monitor 24 months 24 months 24 months 24 months 24 months 24 months Home care items Home care items 50% 50% 50% 50% ü 75% 75% Epileptic seizure alarms Epileptic seizure alarms ü ü ü ü Cranial orthosis Cranial orthosis ü ü ü Post Post- -mastectomy lingerie (once during the entire insurance term) mastectomy lingerie (once during the entire insurance term) € €90 90 € €90 90 € €90 90 € €90 90 € €90 90 Preventive examinations Preventive examinations € €100 100 € €150 150 € €200 200 € €50 50 Flu jab Flu jab ü ü ü ü Vaccinations and tablets for travel abroad Vaccinations and tablets for travel abroad 50% 50% 75% 75% ü ü ü Coping with traumas (care after a distressing event) Coping with traumas (care after a distressing event) ü ü Courses for quitting smoking, problematic alcohol consumption and Courses for quitting smoking, problematic alcohol consumption and coping with depression coping with depression l Yes Yes Fall prevention (once during the entire insurance term) Fall prevention (once during the entire insurance term) € €50 50 € €50 50 € €50 50 € €100 100 Sports medicine Sports medicine- -related advice related advice € €100 100 € €150 150 € €150 150 € €150 150 € €150 150 Consultations and advice for women Consultations and advice for women € €200 200 € €200 200 € €200 200 € €200 200 Dietetics Dietetics 3 hours 3 hours Yes Yes € €120 120 € €120 120 € €120 120 € €120 120 € €120 120 Dietary advice Dietary advice € €50 50 € €75 75 € €100 100 € €50 50 € €75 75 Health courses Health courses € €50 50 € €100 100 € €200 200 € €50 50 € €100 100 Exercise programmes (once every 3 years) Exercise programmes (once every 3 years) € €350 350 € €350 350 € €350 350 € €350 350 € €350 350 € €350 350 Self Self- -management course for chronic conditions (once during the entire management course for chronic conditions (once during the entire insurance term) insurance term) € €100 100 € €100 100 € €100 100 € €100 100 Carer course (once during the entire insurance term) Carer course (once during the entire insurance term) € €150 150 € €150 150 € €150 150 € €150 150 € €150 150 Emergency dental care in the event of accidents (total reimbursement Emergency dental care in the event of accidents (total reimbursement per accident regardless of number of additional insurance packages) per accident regardless of number of additional insurance packages) € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 Medical aids Preventive healthcare Advice Courses and exercise programmes Oral care in the event of accidents

BASISVERZEKERINGEN DENTAL INSURANCE PACKAGES STEP 3 18 19 Reimbursement Deductible Personal contribution ‘Tandarts Collectief’ ‘Uitgebreide Tandarts Collectief’ ‘Jongeren’ €450 €1,150 €450 Check Check- -ups ups l Fluoride treatment Fluoride treatment l Other dental care such as tooth removal, fillings and root canal Other dental care such as tooth removal, fillings and root canal treatment treatment l Check Check- -ups ups 100% 100% 100% 100% 100% 100% Other dental care such as tooth removal, fillings and root canal Other dental care such as tooth removal, fillings and root canal treatment treatment 100% 100% 100% 100% 75% 75% Crowns, inlays, resin Crowns, inlays, resin- -retained bridges, pontics and root caps retained bridges, pontics and root caps 75% 75% 75% 75% 75% 75% Full set of dentures (upper and/or lower) Full set of dentures (upper and/or lower) once every 5 once every 5 years years Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Repair/rebasing of full dentures (upper and/or lower) Repair/rebasing of full dentures (upper and/or lower) l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Partial set of dentures or metal plate denture Partial set of dentures or metal plate denture 75% 75% 75% 75% 75% 75% Upper implant overdentures Upper implant overdentures l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Lower implant overdentures Lower implant overdentures l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Implant fees and additional inpatient or outpatient costs Implant fees and additional inpatient or outpatient costs l Yes Yes Dental care for certain indications/handicaps Dental care for certain indications/handicaps l Yes Yes €350 Orthodontic care up to the age of 22 (once during the entire insurance Orthodontic care up to the age of 22 (once during the entire insurance term) term) 100% 100% 100% 100% Orthodontic care from the age of 22 (once during the entire insurance Orthodontic care from the age of 22 (once during the entire insurance term) term) 80%, up to 80%, up to € €2,045 2,045 100% 100% Orthodontic care for certain indications/handicaps Orthodontic care for certain indications/handicaps l Yes Yes Emergency dental care in the event of accidents (total reimbursement Emergency dental care in the event of accidents (total reimbursement per accident regardless of number of additional insurance packages) per accident regardless of number of additional insurance packages) € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 Total reimbursement for dental care Dental care up to the age of 18 Dental care from the age of 18 Dental care for all age groups Orthodontic care Oral care in the event of accidents AANVULLENDE TANDARTSVERZEKERINGEN STEP 1 GENERAL INSURANCE POLICIES BASISVERZEKERINGEN DENTAL INSURANCE PACKAGES STEP 3 18 Reimbursement Deductible Personal contribution ‘Tandarts Collectief’ ‘Uitgebreide Tandarts Collectief’ ‘Jongeren’ €450 €1,150 €450 Check Check- -ups ups l Fluoride treatment Fluoride treatment l Other dental care such as tooth removal, fillings and root canal Other dental care such as tooth removal, fillings and root canal treatment treatment l Check Check- -ups ups 100% 100% 100% 100% 100% 100% Other dental care such as tooth removal, fillings and root canal Other dental care such as tooth removal, fillings and root canal treatment treatment 100% 100% 100% 100% 75% 75% Crowns, inlays, resin Crowns, inlays, resin- -retained bridges, pontics and root caps retained bridges, pontics and root caps 75% 75% 75% 75% 75% 75% Full set of dentures (upper and/or lower) Full set of dentures (upper and/or lower) once every 5 once every 5 years years Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Repair/rebasing of full dentures (upper and/or lower) Repair/rebasing of full dentures (upper and/or lower) l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Partial set of dentures or metal plate denture Partial set of dentures or metal plate denture 75% 75% 75% 75% 75% 75% Upper implant overdentures Upper implant overdentures l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Lower implant overdentures Lower implant overdentures l Yes Yes Yes Yes 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy 75% of the personal contribution payable 75% of the personal contribution payable under the general insurance policy under the general insurance policy Implant fees and additional inpatient or outpatient costs Implant fees and additional inpatient or outpatient costs l Yes Yes Dental care for certain indications/handicaps Dental care for certain indications/handicaps l Yes Yes €350 Orthodontic care up to the age of 22 (once during the entire insurance Orthodontic care up to the age of 22 (once during the entire insurance term) term) 100% 100% 100% 100% Orthodontic care from the age of 22 (once during the entire insurance Orthodontic care from the age of 22 (once during the entire insurance term) term) 80%, up to 80%, up to € €2,045 2,045 100% 100% Orthodontic care for certain indications/handicaps Orthodontic care for certain indications/handicaps l Yes Yes Emergency dental care in the event of accidents (total reimbursement Emergency dental care in the event of accidents (total reimbursement per accident regardless of number of additional insurance packages) per accident regardless of number of additional insurance packages) € €10,000 10,000 € €10,000 10,000 € €10,000 10,000 Total reimbursement for dental care Dental care up to the age of 18 Dental care from the age of 18 Dental care for all age groups Orthodontic care Oral care in the event of accidents