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CZ Zorgvariatiepolis by IZZ Zorgverzekering door CZ (2026)

CZ Zorgvariatiepolis from IZZ Zorgverzekering door CZ for 2026. Policy type: combination policy (combinatie).

  • Combination policy (combinatie)
Policy type
Combination policy (combinatie)

Summary

A combination policy works like an in-kind policy for some care and like a reimbursement policy for other care. Below you can see, per type of care, what is reimbursed without a contract.

Combination policy with free choice of provider: non-contracted care is reimbursed up to 100%, capped at the market rate. Mental health care and district nursing without a contract are limited to 85% of the contracted rate.

This summary was written from the insurer's documents and checked by me. The insurer's policy terms (polisvoorwaarden) are legally binding.

Source: Policy conditions IZZ Zorgverzekering door CZ 2026 (Retrieved on 28 October 2026)

Premium per deductible level

The higher your voluntary deductible (vrijwillig eigen risico), the lower your premium. But if you use care that counts towards the deductible, you pay more yourself.

Premium per deductible level
Voluntary deductible Total deductible Per month Per year
None€385€177.50€2,130.00
€100€485UnknownUnknown
€200€585UnknownUnknown
€300€685UnknownUnknown
€400€785UnknownUnknown
€500€885UnknownUnknown

The premium for this policy is the same for everyone aged 18 or over, regardless of age or health. Children under 18 pay no premium for basic insurance.

Choice of care providers

How much is reimbursed if you go to a care provider that has no contract with IZZ Zorgverzekering door CZ.

Reimbursement for non-contracted care
Type of care Reimbursement without a contract
Pharmacy and medicinesIn full, up to the statutory or customary market rate
PhysiotherapyIn full, up to the statutory or customary market rate
geboortezorgIn full, up to the statutory or customary market rate
Mental health care (ggz)85% of the average contracted rate
Medical aidsIn full, up to the statutory or customary market rate
Independent clinicsIn full, up to the statutory or customary market rate
Other careIn full, up to the statutory or customary market rate
District nursing (wijkverpleging)85% of the average contracted rate
Hospital careIn full, up to the statutory or customary market rate

Hospitals and clinics

Which hospitals, clinics and other institutions have a contract with CZ Zorgvariatiepolis? I know the status of 23939 care providers. Click a name for the details and the source.

Contracted (15197)

I show 100 of 15197, hospitals and clinics first.

Partly contracted (613)

I show 100 of 613, hospitals and clinics first.

No contract (8099)

I show 100 of 8099, hospitals and clinics first.

Unknown (30)

According to the care finder (zorgzoeker) of IZZ Zorgverzekering door CZ, retrieved on 28 October 2026. Contracts can change during the year. Before treatment, always check with your insurer or the care provider whether there is a contract.

Find another care provider

What is covered

Basic insurance covers the same care at every insurer; the government decides the basic package. Insurers differ in premium, choice of care providers and service.

Supplementary insurance with this policy

These packages from IZZ Zorgverzekering door CZ can be combined with CZ Zorgvariatiepolis.

Changes since 2025

This policy is new in 2026.

Sources

  1. Policy conditions IZZ Zorgverzekering door CZ 2026 (Retrieved on 28 October 2026)
  2. Premium overview IZZ Zorgverzekering door CZ 2026 (Retrieved on 28 October 2026)