CZ 50+ by CZ (2026)
CZ 50+ is a supplementary insurance from CZ for 2026.
- Package type
- Supplementary insurance
- Acceptance
- Everyone is accepted
- Waiting period
- No waiting period
- Child
- Children under 18 are covered free of charge if a parent has this package.
Summary
CZ's supplementary plan for people over fifty with 13 physiotherapy sessions, higher contributions for hearing aids and daily-living aids, and prevention budgets.
Only available together with basic insurance from CZ.
What this package covers
I extract coverage from the insurer's documents and check it afterwards. I mark data that has not been checked yet.
Indented lines are extra lines the insurer lists under the same type of care, for example for a specific condition. I show them so you can read them, but they do not count in my calculation of your annual costs or in the comparison. Check the policy terms to see whether they apply to you.
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie, oefentherapie | Unlimited | 100% | 13 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Ook tot 18 jaar; tot 5 ongebruikte behandelingen mee te nemen van vorig jaar. |
| Podiatry Read automatically, not yet checkedName used by the insurer: Voetbehandeling overige situaties | €115 | 100% | Unlimited | calendar year, per person | |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Ontharing gezicht | €250 | 100% | Unlimited | one-off, per person | Eenmalig voor de hele verzekeringsduur. |
| Dietetics Read automatically, not yet checked | €120 | 100% | Unlimited | calendar year, per person | Bovenop de 3 uur uit de basisverzekering. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Onvoorziene tandheelkundige zorg bij ongevallen | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum per ongeval, ongeacht het aantal aanvullende verzekeringen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Brillen, contactlenzen en ooglaserbehandelingen | €100 | 100% | Unlimited | 2 calendar years, per person | Shared with Laser eye surgeryEén maximum per 2 kalenderjaren. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Vergoeding eigen bijdrage hoortoestellen | Unlimited | 100% | Unlimited | calendar year, per person | Up to €300.00 per treatmentMaximum per hoortoestel. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Spoedeisende hulp in het buitenland bij tijdelijk verblijf | Unlimited | 100% | Unlimited | calendar year, per person | 100% van het gedeclareerde tarief buiten Nederland of je woonland. |
| Emergency dental care abroad Read automatically, not yet checkedName used by the insurer: Tandheelkundige hulp bij spoed in het buitenland | €275 | 100% | Unlimited | calendar year, per person | |
| Repatriation Read automatically, not yet checkedName used by the insurer: Medisch noodzakelijke repatriëring van zieke verzekerde | Unlimited | 100% | Unlimited | calendar year, per person | Vinkje in het pakketoverzicht: vergoed bij spoedeisende hulp in het buitenland. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve geneeswijzen en medicijnen | €350 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesTotaalbudget voor behandelingen (tot € 40 per dag) en alternatieve medicijnen. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Additional psychological support Read automatically, not yet checkedName used by the insurer: Inloophuizen voor (ex-)kankerpatiënten | €150 | 100% | Unlimited | calendar year, per person | Voor (ex-)kankerpatiënten en hun gezin. |
| Health check and preventive screening Read automatically, not yet checkedName used by the insurer: Preventief onderzoek naar risicofactoren voor hart- en vaataandoeningen | €50 | 100% | Unlimited | calendar year, per person | Eén keer per jaar. |
| Preventive courses Read automatically, not yet checkedName used by the insurer: Gezondheidscursussen | €100 | 100% | Unlimited | calendar year, per person | |
| Online gezondheidsprogramma (preventie-tegoed)Extra lineunder Preventive courses Read automatically, not yet checked | €60 | 100% | Unlimited | calendar year, per person | Actueel aanbod op de website; periode niet vermeld. |
| Zelfmanagementcursus bij chronische aandoeningExtra lineunder Preventive courses Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | Eenmalig voor de hele verzekeringsduur. |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch advies | €150 | 100% | Unlimited | calendar year, per person | |
| Diet and lifestyle advice Read automatically, not yet checkedName used by the insurer: Voedingsadvies | €75 | 100% | Unlimited | calendar year, per person | |
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma's | €350 | 100% | Unlimited | 3 calendar years, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Logeerkosten | €500 | 100% | Unlimited | calendar year, per person | |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Eigen bijdrage hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €30.00 per treatmentTot € 30 per dag. |
| Courses and coaching for informal carers Read automatically, not yet checkedName used by the insurer: Instructie/begeleiding mantelzorgers voor ergotherapie | Unlimited | 100% | 2 | calendar year, per person | 2 uur. |
| MantelzorgcursusExtra lineunder Courses and coaching for informal carers Read automatically, not yet checked | €150 | 100% | Unlimited | one-off, per person | Eenmalig voor de hele verzekeringsduur. |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Vervangende mantelzorg | €1,250 | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Externe mantelzorgmakelaar | Unlimited | 100% | 7 | one-off, per person | 7 uur, eenmalig voor de hele verzekeringsduur. |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen en podotherapeutische zolen | €60 | 100% | Unlimited | calendar year, per person | |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| Teststrips voor niet-insulineafhankelijke diabetespatiëntenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €40 | 100% | Unlimited | calendar year, per person | |
| ADL-hulpmiddelenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €100 | 100% | Unlimited | calendar year, per person | |
| Thuisverzorgingsartikelen en ketonenstripsExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 75% | Unlimited | calendar year, per person | |
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Eigen bijdrage pruik of andere hoofdbedekking | €75 | 100% | Unlimited | calendar year, per person | |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Aangepaste lingerie na borstamputatie | €90 | 100% | Unlimited | one-off, per person | Eenmalig voor de hele verzekeringsduur. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Consult overgang, PMS of (borst)kanker | €200 | 100% | Unlimited | calendar year, per person | |
Premium by age
The premium for supplementary insurance may depend on your age on 1 January.
| Age | Per month | Per year |
|---|---|---|
| 18 years and older | €22.20 | €266.40 |
Changes since 2025
This policy is new in 2026.
Sources
- Coverage overview CZ 2026 (Retrieved on 28 October 2026)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 6)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 7)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 8)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 9)
- Premium overview CZ 2026 (Retrieved on 29 October 2026)