CZ Health Insurance 2017 1

Choosing your health insurance — a helping hand from CZ You want to be able to rely on good healthcare that you can access whenever you need it and that meets all your requirements. So it is crucial to make sure you choose the health insurance that is right for you. CZ is here to give you a helping hand. Our advisers are always ready to give you personal advice, and you can also turn to our website, which takes you through all of the steps in making the right choice. We would be happy to help you, so what are you waiting for? Give one of our advisers a call today!

CZ Everything for better healthcare This brochure gives you more information about CZ’s health insurance. Further details of the individual packages are available at www.cz.nl/english, where you can also calculate your premium.

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C h e ck in s u ra n ce www.cz.n l/ht etahltehp-re m iu m s t o f in d ou

CHOSEN BY 87% OF OUR CUSTOMERS

‘Zorgbewustpolis’

‘Zorg-op-maatpolis’

‘Zorgkeuzepolis’

This is an in-kind policy.

This is also an in­-kind policy.

This is a refund policy. If you

The healthcare providers

The healthcare providers you

choose this policy, you can go

you use have a contract with

use have a contract with CZ.

to any healthcare provider or

CZ, meaning your premi-

supplier that fulfils the terms

um is lower. CZ has made

and conditions of insurance.

agreements with contracted

That is why this policy

healthcare providers about

has a slightly higher premi-

prices and service quality.

um.

Note: if you use a healthcare

Note: if you use a health-

If you use a healthcare

provider that does not have

care provider that does not

provider that does not have

a contract with CZ, CZ will

have a contract with CZ, the

an agreement with CZ, you

reimburse 70% of the bill up

‘Zorg-op-maatpolis’ gives

pay the healthcare provider’s

to a maximum of 70% of the

you a higher reimbursement

invoice yourself and claim

agreed average rate.

than the ‘Zorgbewustpolis’,

the costs from CZ later.

i.e. 75% of the bill up to a maximum of 75% of the agreed average rate.

STEP 1

First and foremost — the general insurance policy Everyone living or working in the Netherlands is legally obliged to take out a general insurance policy, which reimburses the most medically necessary healthcare costs. The government decides what is reimbursed. The general insurance policy includes things like healthcare provided by your general practitioner and medical specialist, as well as transport by ambulance, medicines and hospitalisation.

General insurance policies have a term of 1 calendar year. CZ has 3 general insurance policies and they all provide the same kind of reimbursement. However, the reimbursement percentages vary, as do the extra services you receive. The differences between the 3 general insurance policies are summarised on the next page. If you have any questions, more information is available at www.cz.nl/english. You can also call CZ Customer Services or drop into one of our branches.

• 100% reimbursement for

• 100% reimbursement for

• 100% reimbursement

contracted healthcare

contracted healthcare

up to a maximum of the

• 70% reimbursement for

• 75% reimbursement for

market rate applicable in

non-contracted healthcare • choice between 2 deductibles • CZ will only send you

non-contracted healthcare • choice between 6 deductibles • correspondence by email

the Netherlands • choice between 6 deductibles • correspondence by email

messages through ‘Mijn

or post. Of course, you are

or post. Of course, you are

CZ’ and by email. Of

free to call CZ

free to call CZ

course, you are free to call CZ

• payment by direct debit or giro payment form

• payment by direct debit or giro payment form

• payment by direct debit

More information about what exactly is reimbursed is available at www.cz.nl/health-insurance and in the package comparer.

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Which healthcare providers can you use?

Why does CZ make agreements with healthcare providers?

CZ lets you choose between some 45,000 contracted healthcare providers and suppliers. The reimbursement for care from contracted providers is the same, regardless of which CZ general insurance policy you have taken out. To find out which providers we have agreements with, simply visit www.cz.nl/zorgvinden (information in Dutch). You can, of course, use a healthcare provider with whom we do not have a contract, but this will usually mean that your reimbursement is lower.

It is very important to CZ that healthcare providers such as hospitals, pharmacies and physiotherapists meet certain quality requirements. This is why we make agreements about treatments, so we can rest assured that our customers receive high standards. We also make agreements on the prices that healthcare providers are allowed to charge for their services. This helps us to manage healthcare costs and keep the Dutch healthcare system affordable. 5

More extensive cover for your healthcare costs STEP 2

Additional insurance Some costs are not reimbursed under the general insurance policy, or are only reimbursed in part. You can insure these costs separately by taking out an additional insurance package. CZ has a range of additional insurance packages for you to choose from. Our ‘Start’ package has a low premium and insures you against unforeseen healthcare costs in the event of an unexpected incident, such as urgent medical care abroad or dental costs following an accident.

‘St a rt ’ co ve rs y ou a g a in st t ru ly u n expe ct ed ri s k sd t h at ca n e n u p be in g ex pe n s ive

Alternatively, you could take out a more extensive additional insurance package such as ‘Basis’, ‘Plus’ or ‘Top’. These packages include reimbursements for things like physiotherapy and alternative treatment methods, and provide progressively higher amounts of reimbursement. CZ also has several additional insurance packages that have been put together especially to suit your stage of life. Select our ‘Jongeren’ (young people), ‘Gezinnen’ (families) or ‘50+’ package and you will only pay for the things you need at this point in your life. To find out which additional insurance package is right for you, simply visit www.cz.nl/additional-insurance or take a look at the package comparer. Premiums for the additional insurance packages are payable from the age of 18. Co-insured children under 18 do not need to pay a premium and they are given the same package as the parent/carer with the most expensive additional insurance package. The packages have a term of one calendar year, so you can change your package each year if your needs change. CZ will accept you without carrying out a medical assessment first.

STEP 3

Dental insurance The general insurance policy covers dental costs for children up to the age of 18. Once you turn 18, you need to pay these costs yourself, but you can take out dental insurance to cover them. The policies have a term of one calendar year. CZ has two dental insurance packages to choose from — ‘Tandarts’ and ‘Uitgebreide Tandarts’ — and the difference between the two is the maximum amount we will reimburse each year. Both packages also provide reimbursement for orthodontic care. If you take out the ‘Jongeren’ or ‘Gezinnen’ additional insurance package, you do not need to take out separate dental insurance, because CZ already reimburses dental costs under these packages. More information is available at www.cz.nl/dental-insurance and in the package comparer. Anyone can register for the ‘Tandarts’ dental package — CZ will accept you without carrying out a medical assessment first. Before deciding whether to accept your application for the ‘Uitgebreide Tandarts’ dental package, CZ will assess your teeth based on a statement from your dentist.

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C h e ck cz.n l/zo rg v in) dt oe n (i n D ut ch h f in d out w hic h ea lt h ca re a p ro v id e rs h ahveCZ co nt ra ct wit Saving on your premiums Your monthly health insurance premiums are a significant expense and can be a considerable burden on your monthly finances. Here are some tips on how to save on your health insurance premiums: • If your healthcare providers are contracted with CZ, you might want to select the ‘Zorgbewustpolis’, as this policy has the lowest monthly premium. • Think about whether a voluntary deductible would be a good idea for you. If you expect your medical costs to be low, it could work in your favour. However, you need to be able to pay the deductible if you do incur medical costs after all. • You might be entitled to receive the healthcare allowance, which is a contribution towards your healthcare costs through the Dutch tax authorities (‘Belastingdienst’). You can request the healthcare allowance at www.toeslagen.nl (information in Dutch) or by calling the ‘Belasting Telefoon’ on 0800 0543. • If you opt to pay your premiums annually, biannually or quarterly in advance, we will give you a discount of up to 2% per year.

Deductibles — what you need to know What is a deductible? Everyone aged 18 or above and living or working in the Netherlands has a compulsory deductible of €385 in 2017, which is set by the government. The deductible is the amount you have to pay yourself before you start receiving reimbursement and it only applies to reimbursements under the general insurance policy. The exceptions are appointments with your general practitioner, midwifery care, obstetric care, multidisciplinary care, check-ups for kidney and liver donors, donor transport costs in the event of an organ transplant, medical aids on loan and district nursing.

Paying the deductible in instalments If you expect to incur healthcare costs during the year and prefer not to pay the deductible all at once, you can opt to pay it in instalments. This will prevent you suffering a financial setback. To find out more, take a look at www.cz.nl/spread-payment-deductible.

Voluntary deductible You can also opt for an additional voluntary deductible on top of the compulsory deductible. The higher the deductible you choose, the lower your premium will be. The voluntary and compulsory deductibles both apply to the same reimbursements.

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Help while on holiday

Premiums

Accidents do happen. If you need medical assistance while on holiday, call the CZ Helpline. A Dutch healthcare expert will give you advice and information, such as whether you should see a doctor and where the nearest hospital is. If you request a European Health Insurance Card (EHIC) at www.ehic.nl (information in Dutch), you will not need to pay upfront any healthcare costs you incur in most countries within Europe. CZ will settle these costs directly with the healthcare provider.

The premium is the amount you pay for your general insurance policy and any additional and/or dental packages you have taken out. The premiums for the different general insurance policies are listed on your quote and in the premium overview. Children up to the age of 18 are co-insured without having to pay a premium or a deductible.

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CZ has made things easy for you Take care of everything online

Ou r cu st o m e rs g ive ou r s e rv ice s a n 8 out o f 10 rat in g

‘Mijn CZ’ lets you take care of all your insurance matters quickly and easily. You can use ‘Mijn CZ’ to: • View your policy and reimbursements and change your details • Submit your bills and see which bills have not yet been paid • See which bills from healthcare providers we have paid on your behalf • Check how much of your deductible you have already paid • Request a payment arrangement

CZ’s additional benefits • If you need to submit bills to CZ yourself, you can do so using the app on your smartphone, online through ‘Mijn CZ’, or by post if you prefer. We will pay out the reimbursement within 10 days. • You can use ‘Best Doctors®’ in consultation with our healthcare advisers. ‘Best Doctors®’ is an international network of specialists who can look at your file and give a second opinion about the best treatment for your illness or condition. • As a CZ customer, you can get a discount on products and services that help you to stay fit and healthy, such as gym membership, glasses and contact lenses. Thanks to CZ’s collaboration with OHRA, you can also get a discount on products like travel, cancellation, life and car insurance. For a summary, visit www.cz.nl/klantvoordeel (information in Dutch). • If you need to know how to arrange care for your condition or you want to know where to find the best place to receive treatment, talk to a member of the CZ Healthcare Team (‘Zorgteam’). All of our healthcare advisers have a medical background and can assess your situation. They will advise you if you are on a waiting list, for instance, or if you would like a second opinion from another doctor. This will help you get to grips with the healthcare system, with a dedicated contact person you can rely on.

R e g ist e r o n eli rn e i n a m att o f m i n ut e s

Would you like to join CZ? Simply visit our website www.cz.nl/apply We will give you all the help you need to make your decision. Make sure you have your Dutch personal identification number (BSN) to hand.

CZ Customer Services Our advisers would be happy to help you. Simply give them a call on +31 (0)88 555 70 00. Lines are open Monday to Friday from 8am to 9pm and Saturdays from 10am to 2pm. If you prefer to speak to someone in person, simply drop into one of the CZ branches. The addresses are listed at www.cz.nl/kantoor (information in Dutch) You can also use the registration form included in this information pack.

Submitting your bills on your smartphone The ‘CZ Declareren’ app makes it easy to submit your healthcare bills on your smartphone. Simply enter a few details, send us a photo of the bill and we will take it from there. The app has received rave reviews from our customers. See for yourself how easy it is to use!

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Everything for better healthcare Legal information Organisation CZ Groep Zorgverzekeraar, name under the articles of association: ‘OWM Centrale Zorgverzekeraars Groep’, Zorgverzekeraar u.a. (COC no. 41095222) CZ Groep Aanvullende Verzekering Zorgverzekeraar, name under the articles of association: ‘OWM Centrale Zorgverzekeraars Groep’, Aanvullende Verzekering Zorgverzekeraar u.a. (COC no. 18028752) Address Postbus 90152, 5000 LD Tilburg, Netherlands

Complaints Please let us know when you are not happy with our services. You can consult our internal complaints procedure at www.cz.nl/klachten (Information in Dutch). As a health insurer, CZ is affiliated with ‘Stichting Klachten en Geschillen Gezondheidszorg’ (SKGZ), which has been appointed by the government to resolve health insurance disputes. SKGZ meets all of the government’s quality requirements. Further information is available at www.skgz.nl (information in Dutch). The following bodies also supervise our insurance operations: ‘De Nederlandsche Bank’, the ‘Autoriteit Financiële Markten’ (permit numbers 12001020/12000561), the ‘Nederlandse Zorgautoriteit’ and ‘Zorginstituut Nederland’ (ZiNL). No rights can be derived from the content of this brochure.

582.003.1638

Viewing the terms and conditions of insurance Visit www.cz.nl/voorwaarden (information in Dutch) or one of our branches, or give us a call. Insurance agreements are governed by Dutch law.