CZ Plus by CZ (2026)
CZ Plus 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 mid-level supplementary plan with 12 physiotherapy sessions, budgets for alternative and psychosocial care and glasses, and emergency care abroad. It also covers the statutory maternity care and outpatient birth contributions.
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% | 12 | 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. |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Ontharing | €250 | 100% | Unlimited | one-off, per person | Vanaf 12 jaar, eenmaal per verzekerde. |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling | €150 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | Eenmaal per verzekerde. |
| Podiatry Read automatically, not yet checkedName used by the insurer: Algemene voetzorg (podologie en podotherapie) | €115 | 100% | Unlimited | calendar year, per person |
| 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 |
|---|---|---|---|---|---|
| Glasses and contact lenses Read automatically, not yet checkedName used by the insurer: Bril, contactlenzen en ooglaseren | €100 | 100% | Unlimited | 2 calendar years, per person | Shared with Laser eye surgeryEén maximum per 2 jaar, ook voor de wettelijke eigen bijdrage uit de basisverzekering. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Wettelijke eigen bijdrage voor hoortoestellen | Unlimited | 100% | Unlimited | calendar year, per person | Up to €100.00 per treatmentMaximum per hoortoestel; geldt ook voor ruismaskeerders en oorstukjes. |
| 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. |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Preventie voor reizen naar het buitenland | Unlimited | 50% | Unlimited | calendar year, per person |
| Care | Maximum | Percentage | Number | Per | Conditions |
|---|---|---|---|---|---|
| Alternative medicine Read automatically, not yet checkedName used by the insurer: Alternatieve en psychosociale zorg | €350 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesEén budget voor alternatieve en psychosociale behandelingen (tot € 40 per dag) en alternatieve medicijnen (100%). |
| 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 | |
| Hospital birth without medical need Read automatically, not yet checkedName used by the insurer: Eigen bijdrage poliklinische bevalling | Unlimited | 100% | Unlimited | calendar year, per person | De wettelijke eigen bijdrage wordt volledig vergoed. |
| Lactation consultant Read automatically, not yet checkedName used by the insurer: Advies bij borstvoeding (lactatiekundige zorg) | €200 | 100% | Unlimited | calendar year, per person | |
| Maternity care co-payment Read automatically, not yet checkedName used by the insurer: Wettelijke eigen bijdrage kraamzorg | Unlimited | 100% | Unlimited | calendar year, per person | Volledig vergoed. |
| 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. |
| Kraamzorg of instructie bij adoptieExtra lineunder Extra and postponed maternity care Read automatically, not yet checked | Unlimited | 100% | 3 | calendar year, per person | Maximaal 3 dagen van maximaal 3 uur per dag. |
| 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 | €100 | 100% | Unlimited | calendar year, per person | |
| 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 | |
| Preventive courses Read automatically, not yet checkedName used by the insurer: EHBO- of gezondheidscursus | €100 | 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. |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen en voetzorghulpmiddelen | €75 | 100% | Unlimited | calendar year, per person | Eén maximum voor beide samen. |
| 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 | €1,750 | 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. |
| Sterilisation Read automatically, not yet checkedName used by the insurer: Sterilisatie (eileiders) | €1,250 | 100% | Unlimited | calendar year, per person | Vanaf 18 jaar eigen risico voor onderzoek of controles buiten de DBC. |
| Sterilisatie (zaadleiders)Extra lineunder Sterilisation Read automatically, not yet checked | €400 | 100% | Unlimited | calendar year, per person | Vanaf 18 jaar eigen risico voor onderzoek of controles buiten de DBC. |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie | Unlimited | 100% | Unlimited | one-off, per person | Tot en met 17 jaar volledig, 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. |
| Hospice and palliative care Read automatically, not yet checkedName used by the insurer: Eigen bijdrage verblijf in een hospice | Unlimited | 100% | Unlimited | calendar year, per person | Up to €30.00 per treatmentTot € 30 per dag. |
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 | €27.35 | €328.20 |
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 5)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 6)
- Coverage overview CZ 2026 (Retrieved on 28 October 2026, page 9)
- Premium overview CZ 2026 (Retrieved on 29 October 2026)