CZ Top by CZ (2026)
CZ Top 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 most extensive supplementary package: 20 physio/exercise therapy sessions, alternative care up to EUR 550 and broad cover for aids, prevention and maternity care. In-kind and reimbursement mix, no deductible.
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 | Aanvulling op de basisverzekering; eerst wordt de basisdekking gebruikt. |
| Occupational therapy Read automatically, not yet checked | Unlimited | 100% | 2 | calendar year, per person | Maximum is 2 uur per jaar, aanvullend op de basisverzekering; alleen tot en met 17 jaar. |
| Physiotherapy Read automatically, not yet checkedName used by the insurer: Fysiotherapie en oefentherapie | Unlimited | 100% | 20 | calendar year, per person | Shared with Exercise therapy (Cesar/Mensendieck)Gecontracteerde zorgverlener 100%; zonder contract 50% van het gemiddeld gecontracteerde tarief. Maximaal 5 ongebruikte behandelingen mogen worden meegenomen. |
| Hair removal for excessive hair growth Read automatically, not yet checkedName used by the insurer: Ontharing | €350 | 100% | Unlimited | one-off, per person | Eenmalig per verzekerde; vanaf 12 jaar. |
| Skin therapy Read automatically, not yet checkedName used by the insurer: Acnebehandeling | €200 | 100% | Unlimited | calendar year, per person | |
| Camouflage therapy Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | Eenmalig 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 | €125 | 100% | Unlimited | 2 calendar years, per person | Shared with Laser eye surgeryEén gezamenlijk budget per twee jaar, ook voor de wettelijke eigen bijdrage uit de basisverzekering. |
| Hearing aids Read automatically, not yet checkedName used by the insurer: Wettelijke eigen bijdrage hoortoestellen | Unlimited | 100% | Unlimited | calendar year, per person | Up to €200.00 per treatmentVergoedt de wettelijke eigen bijdrage tot € 200 per hoortoestel, 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 het woonland volledig vergoed tegen het gedeclareerde tarief, inclusief het deel uit de basisverzekering. |
| 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 | Alleen spoedeisende tandzorg tijdens verblijf in het buitenland. |
| Repatriation Read automatically, not yet checkedName used by the insurer: Repatriëring bij ziekte | Unlimited | 100% | Unlimited | calendar year, per person | |
| Travel vaccinations Read automatically, not yet checkedName used by the insurer: Preventie voor reizen naar het buitenland | Unlimited | 75% | 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 | €550 | 100% | Unlimited | calendar year, per person | Up to €40.00 per treatmentShared with Homeopathic and anthroposophic remediesBehandelingen en alternatieve medicijnen delen één jaarbudget; voor behandelingen geldt daarnaast een grens van € 40 per dag. |
| 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; bij plaatsing van een spiraaltje door een medisch specialist geldt wel eigen risico. |
| Therapeutic camp Read automatically, not yet checked | €200 | 100% | Unlimited | calendar year, per person | Tot en met 17 jaar. |
| Pregnancy and childbirth course Read automatically, not yet checkedName used by the insurer: Bevallingscursus | €200 | 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 | |
| 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 | |
| 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 extra kraamzorg. |
| 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 elk hooguit 3 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 risicofactoren hart- en vaataandoeningen | €150 | 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 | €100 | 100% | Unlimited | calendar year, per person | |
| Preventive courses Read automatically, not yet checkedName used by the insurer: EHBO- of gezondheidscursus | €200 | 100% | Unlimited | calendar year, per person | |
| ZelfmanagementcursusExtra lineunder Preventive courses Read automatically, not yet checked | €100 | 100% | Unlimited | one-off, per person | Eenmalig 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 |
|---|---|---|---|---|---|
| Wig and hairpiece Read automatically, not yet checkedName used by the insurer: Haarwerk (pruik) of andere hoofdbedekking | €75 | 100% | Unlimited | calendar year, per person | Aanvulling op de basisverzekering; pruik en hoofdbedekking delen het budget. |
| 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 | |
| Thuisbewakingsmonitor in bruikleenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | one-off, per person | Bruikleen tot 12 maanden, eenmalig per verzekerde, met een mogelijke aansluitende verlenging van nog eens 12 maanden. |
| ADL-hulpmiddelenExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | €70 | 100% | Unlimited | calendar year, per person | |
| Thuisverzorgingsartikelen, ketonenstrips, steunpessarium, epilepsiealarmering en redressiehelmExtra lineunder Medical aids (supplementary) Read automatically, not yet checked | Unlimited | 100% | Unlimited | calendar year, per person | Deze hulpmiddelen worden elk volledig vergoed zonder maximumbedrag. |
| Bedwetting alarm Read automatically, not yet checkedName used by the insurer: Plaswekker (aankoop of huur) | Unlimited | 100% | Unlimited | one-off, per person | Keuze tussen volledige aankoop of maximaal 4 maanden huur, eenmalig per verzekerde. |
| Orthopaedic insoles Read automatically, not yet checkedName used by the insurer: Steunzolen en voetzorghulpmiddelen | €75 | 100% | Unlimited | calendar year, per person | Steunzolen en voetzorghulpmiddelen samen. |
| Post-mastectomy bra and swimwear Read automatically, not yet checkedName used by the insurer: Prothese-bh en prothesezwemkleding | €90 | 100% | Unlimited | one-off, per person | Eenmalig per verzekerde. |
| 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 per verzekerde. |
| Respite care for informal carers Read automatically, not yet checkedName used by the insurer: Mantelzorgvervanging | €2,250 | 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, eenmalig per verzekerde. |
| Sterilisation Read automatically, not yet checkedName used by the insurer: Sterilisatie (eileiders) | €1,250 | 100% | Unlimited | calendar year, per person | Eigen risico kan gelden voor vooronderzoek, nacontrole of labwerk buiten de DBC; vanaf 18 jaar. |
| Sterilisatie (zaadleiders)Extra lineunder Sterilisation Read automatically, not yet checked | €400 | 100% | Unlimited | calendar year, per person | Eigen risico kan gelden voor vooronderzoek, nacontrole of labwerk buiten de DBC; vanaf 18 jaar. |
| Plastic surgery Read automatically, not yet checkedName used by the insurer: Flapoorcorrectie | Unlimited | 100% | Unlimited | one-off, per person | Eenmalig per verzekerde; tot en met 17 jaar. |
| 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 budget voor consulten rond overgang, PMS en (borst)kanker. |
| 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 budget voor de logeerkostenrubrieken 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 treatmentMaximaal € 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 | €49.95 | €599.40 |
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 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 7)
- Premium overview CZ 2026 (Retrieved on 29 October 2026)