CZ Basis by CZ (2026)
CZ Basis 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 entry-level supplementary plan with emergency care abroad, 9 physiotherapy sessions and small budgets for prevention, aids and informal care. It also adds extra maternity care.
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 |
|---|---|---|---|---|---|
| Dietetics Read automatically, not yet checked | €120 | 100% | Unlimited | calendar year, per person | Bovenop de basisverzekering; eerst wordt de vergoeding uit de basis gebruikt. |
| Occupational therapy Read automatically, not yet checked | Unlimited | 100% | 2 | calendar year, per person | Alleen tot en met 17 jaar, aanvullend op de basisverzekering. |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie | Unlimited | 100% | 9 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Zonder contract 50% van het gemiddeld afgesproken tarief; tot 5 ongebruikte behandelingen mee naar volgend jaar. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Dental care after an accident Read automatically, not yet checkedName used by the insurer: Mondzorg bij ongeval | €10,000 | 100% | Unlimited | per event (accident, birth), per person | Maximum geldt per ongeval. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Emergency care abroad Read automatically, not yet checkedName used by the insurer: Spoedzorg in het buitenland | Unlimited | 100% | Unlimited | calendar year, per person | Buiten Nederland of je woonland 100% van het gedeclareerde tarief, inclusief wat de basisverzekering betaalt. |
| Emergency dental care abroad Read automatically, not yet checkedName used by the insurer: Mondzorg bij spoed in het buitenland | €275 | 100% | Unlimited | calendar year, per person | |
| Repatriation Read automatically, not yet checkedName used by the insurer: Repatriëring bij ziekte | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Contraception Read automatically, not yet checkedName used by the insurer: Anticonceptie medicijnen en spiraaltje | Unlimited | 100% | Unlimited | calendar year, per person | Vanaf 21 jaar volledig; plaatst een medisch specialist het spiraaltje, dan geldt wel eigen risico. |
| Therapeutic camp Read automatically, not yet checked | €200 | 100% | Unlimited | calendar year, per person | Tot en met 17 jaar; periode van het maximum niet vermeld. |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Bevallingscursus | €100 | 100% | Unlimited | calendar year, per person | |
| Lactation consultant Read automatically, not yet checkedName used by the insurer: Advies bij borstvoeding (lactatiekundige zorg) | €200 | 100% | Unlimited | calendar year, per person | |
| Extra and postponed maternity care Read automatically, not yet checkedName used by the insurer: Couveuse nazorg | Unlimited | 100% | 12 | calendar year, per person | Maximaal 12 uur. |
| Extra kraamzorg bij medische noodzaakExtra lineunder Extra and postponed maternity care Read automatically, not yet checked | Unlimited | 100% | 4 | calendar year, per person | Maximaal 4 dagen. |
| Kraamzorg na ziekenhuisopnameExtra lineunder Extra and postponed maternity care Read automatically, not yet checked | Unlimited | 100% | 6 | calendar year, per person | Maximaal 6 uur. |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Additional psychological support | No general coverage, only the extra lines below. | ||||
| Inloophuis (GGZ)Extra lineunder Additional psychological support Read automatically, not yet checked | €150 | 100% | Unlimited | calendar year, per person | |
| 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 | |
| Sports medical check-up and advice Read automatically, not yet checkedName used by the insurer: Sportmedisch advies | €100 | 100% | Unlimited | calendar year, per person | |
| Diet and lifestyle advice Read automatically, not yet checkedName used by the insurer: Voedingsadvies | €50 | 100% | Unlimited | calendar year, per person | |
| Preventive courses Read automatically, not yet checkedName used by the insurer: EHBO- of gezondheidscursus | €50 | 100% | Unlimited | calendar year, per person | Eén maximum voor deze cursussen samen. |
| ZelfmanagementcursusExtra lineunder Preventive courses Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | Eenmaal per verzekerde. |
| Exercise programme and medical fitness Read automatically, not yet checkedName used by the insurer: Beweegprogramma | €350 | 100% | Unlimited | 3 calendar years, per person | |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Courses and coaching for informal carers Read automatically, not yet checkedName used by the insurer: Instructie aan en begeleiding van mantelzorgers bij ergotherapie | Unlimited | 100% | 2 | calendar year, per person | Maximaal 2 uur per jaar. |
| MantelzorgcursusExtra lineunder Courses and coaching for informal carers Read automatically, not yet checked | €150 | 100% | Unlimited | one-off, per person | Eenmaal per verzekerde. |
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Haarwerk (pruik) of andere hoofdbedekking | €75 | 100% | Unlimited | calendar year, per person | Bovenop de basisverzekering, één maximum voor alle hoofdbedekking samen. |
| Medical aids (supplementary) | No general coverage, only the extra lines below. | ||||
| DiabetestestmateriaalExtra 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 | €70 | 100% | Unlimited | calendar year, per person | |
| Thuisverzorgingsartikelen en ketonenstripsExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 50% | Unlimited | calendar year, per person | |
| Steunpessarium, alarmering bij epilepsie en redressiehelmExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed. |
| ThuisbewakingsmonitorExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | one-off, per person | Maximaal 24 maanden. |
| Bedwetting alarm Read automatically, not yet checkedName used by the insurer: Plaswekker of thuisbewakingsmonitor | Unlimited | 100% | Unlimited | one-off, per person | Keuze uit plaswekker kopen (100%) of huren (4 maanden), of monitor in bruikleen 12 maanden met 12 maanden verlenging. |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Prothese-bh en prothese zwemkleding | €90 | 100% | Unlimited | one-off, per person | Eenmaal per verzekerde. |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervanging | €1,250 | 100% | Unlimited | calendar year, per person | |
| Informal care broker and advice Read automatically, not yet checkedName used by the insurer: Mantelzorgmakelaar | Unlimited | 100% | 7 | one-off, per person | Maximaal 7 uur, eenmaal per verzekerde. |
| Menopause consultant Read automatically, not yet checkedName used by the insurer: Consult bij overgang, PMS of (borst)kanker | €200 | 100% | Unlimited | calendar year, per person | Eén maximum voor deze consulten samen. |
| Guest house and travel costs for visitors Read automatically, not yet checkedName used by the insurer: Logeerkosten | €500 | 100% | Unlimited | calendar year, per person | Eén maximum per jaar voor alle logeerkosten samen. |
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 | €10.85 | €130.20 |
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 1)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 2)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 3)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 4)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 9)
- Premium overview CZ 2026 (Retrieved on 29 October 2026)