CZ Zorgverzekeringen 2018 - 'Collectief' Group health insurance
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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.
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