CZ package compare healthcare insurance collective 2012

Which policy is right for you?

If you're looking for a new collective healthcare insurance policy, you will nd a summary of CZ's policies in this handy package comparer. You can tell at a glance which package is best for you. If you're not looking for new collective insurance, you can check what is reimbursed by your current CZ healthcare insurance you can check this in the conditions and cover summaries. These are available from CZ Customer Service (0900 0949, local rate), at the Chamber of Commerce in Tilburg or online at www.cz.nl/voorwaardencollectief (information in Dutch).

You have to satisfy a number of conditions to be eligible for reimbursement. These conditions are not shown in this package comparer but in the general conditions and the summary of reimbursements for your insurance. The Insurance Terms and Conditions tell you, for example, if you need a referral from a healthcare provider, which indications are covered and if you need prior (statement of) approval from CZ.

of 18 years. In the next column you will see the personal contributions. These are the amounts set by the government, which everyone must pay. The personal contributions are separate from your deductible.

Collective additional insurance

Do you want more comprehensive insurance than just a general policy? You can choose one of our collective additional policies: 'Basis Collectief', 'Plus Collectief' and 'Top Collectief'. Apart from these collective additional policies you can also choose from the packages that t in with your stage of life, such as 'Jongeren' and 50+. In the package comparer you can compare the different additional policies. The additional insurance 'Jongeren' already has cover for the dentist and/or orthodontist. Are you opting for a different additional policy but you want reimbursement for dental costs? On the last page you will nd an overview of the two dental policies you can choose from: 'Tandarts Collectief' and 'Uitgebreide Tandarts Collectief'. All the amounts in this package comparer are maximum amounts and apply per insured person per calendar year, unless stated otherwise. The maximum reimbursement is the (usual) market rate applicable in the Netherlands. It is a condition in every case that CZ has recognised the healthcare provider and/or institution. If there is a this healthcare is insured. You will nd a more detailed explanation on the back of the package comparer.

General insurance policies

At CZ you can choose from two general insurance policies: with the Zorg-op-maatpolis the healthcare provider/institute must have a contract with CZ. If this is not the case you may need to pay part of the cost yourself. If you choose a provider who doesn't have a contract with CZ the reimbursement will be as shown in your insurance conditions. In the case of the Zorgkeuzepolis the maximum reimbursement is the market rate applicable in the Netherlands. The rst column shows the reimbursements that apply to CZ's general insurance policies. The amounts are per insured person per calendar year, unless stated otherwise. Beside this is the 'Deductible' column. This shows whether the reimbursement falls under the deductible or not. The deductible only applies to people over the age
General insurance Deduct- Personal contribuible tion

Additional insurance Basis Collectief

Additional insurance Plus Collectief

Additional insurance Top Collectief

Additional insurance Jongeren

Additional insurance 50+

Care and accommodation in hospital If you're unsure about the reimbursement for hospital treatment, for instance for non-contracted care, an independent treatment centre (ZBC) or reimbursement under the additional insurance, please call the Hospital Line first on +31 13 593 82 40. Hospital nursing day nursing, multiple day nursing and care specialist costs during hospitalisation additional costs (inpatient costs) - use of operating room - medication and dressing materials, X-rays, laboratory, physiotherapy in hospital Outpatient specialist assistance specialist costs use of operating room X-rays, laboratory tests, medication and dressing material radiation treatment renal dialysis in hospital (outpatient) or at home thrombosis treatment freezing sperm and storage for impending reduction in fertility due to oncological treatments Correction of upper eyelids (after CZ's permission) for severe sight restriction whereby at least half the pupil is covered Correction for ear protrusion (protruding ears) up to 18 years of age Circumcision in hospital or recognised institution - with medical indication - without medical indication Sterilisation Independent treatment centre (ZBC) Doctor's second opinion (not dentist or oral surgeon) Rehabilitation Hospitalisation and/or treatment in connection with specified organ transplants heart, bone, kidney, liver, skin, cornea, bone marrow, lung, heart/lung, kidney/pancreas tissue typing aftercare costs if you've received a donor organ (transport, operation and nursing of the donor) Lodging costs for 1 room at a guest house rate (e.g. Ronald McDonald home) Child care with hospitalisation of at least 3 days GP healthcare GP healthcare Preventive foot care for diabetics
1

max. 365 days max. class 3 1 1

yes yes yes yes yes yes yes yes yes yes yes yes man: 400 woman: 1,250 man: 400 woman: 1,250 275 man: 400 woman: 1,250

1 13 weeks

yes yes yes yes2 yes yes

possible

200

200 200

200 200

200

than with amputation.

 The following treatments are excluded: sterilisation, reverse sterilisation, circumcision, treatment for snoring, eyelid correction, ear and breast correction (breast prosthesis) other You don't pay a deductible for check-ups if you have donated a kidney or liver.

General insurance

Deductible

Personal contribution

Additional insurance Basis Collectief

Additional insurance Plus Collectief

Additional insurance Top Collectief

Additional insurance Jongeren

Additional insurance 50+

Medicines and pharmacy Medicines such as antibiotics (not, for instance, for alternative and over-the-counter medicines) Reimbursement of personal contribution GVS (drugs reimbursement system) Contraceptives up to 21 years of age from 21 years of age Condoms (to order at www.cz.nl/50-condoms-form) Dietary preparations (for certain conditions) Alternative treatments and medicines Full reimbursement for alternative treatments and medicines Alternative therapies Alternative medicines (registered as homeopathic or anthroposophic medicines) Therapies Physiotherapy and Cesar/Mensendieck exercise therapy from 18 years p  hysiotherapy and Cesar/Mensendieck exercise therapy (also manual therapy, oedema therapy, pelvic therapy) in addition to the general insurance f  rom 21st treatment, for indications on the list of disorders 4 for physiotherapy and Cesar/Mensendieck exercise therapy (for certain indications maximum 3, 6 or 12 months) Physiotherapy and Cesar/Mensendieck exercise therapy up to 18 years physiotherapy and Cesar/Mensendieck exercise therapy, per indication for indications on the list of conditions 4 for physiotherapy and exercise therapy Cesar/Mensendieck (maximum of 3, 6 or 12 months for some indications)  physiotherapy and Cesar/Mensendieck exercise therapy (also manual therapy, child physiotherapy, oedema therapy, pelvic therapy) in addition to the general insurance Pelvic therapy in connection with urine incontinence Occupational therapy Occupational therapy up to 18 years of age in addition to the general insurance Instruction and assistance for volunteer carers for insured persons receiving occupational therapy Speech therapy Stammer therapy(CZ approval required) Del Ferro, B.O.M.A, I.N.S. therapy costs (non-recurring per policyholder) lodging costs Foot treatment and advice (prescribed by doctor)  with a medical indication for serious blood vessel problems in the legs, treatment and advice from a podotherapist (CZ approval required)  with a medical indication for rheumatoid arthritis by medical podiatrist, podiatrist endorsed for rheumatic foot or podotherapist (CZ approval required) Foot treatment for other situations (by podologist or podotherapist, on doctor's prescription) Skin therapy (prescribed by doctor) treatment for facial acne face/neck camouflage therapy (non-recurring) facial hair removal (non-recurring) UV-B light equipment Costs for purchase or annual hire (for certain indications, CZ approval required) Therapeutic camp for children (for certain indications) Healthcare abroad Non-urgent assistance abroad Urgent assistance abroad i n EU/EEA countries, Switzerland and treaty countries 6, with which the Netherlands has agreements about medical costs in countries not listed above organisational costs incurred by emergency centre medically necessary repatriation of sick policyholder dental care 100% 5 100% 5 yes yes 100% 200% 5 100% 100% 275 100% 200% 5 100% 100% 275 100% 200% 5 100% 100% 275 100% 200% 5 100% 100% 275 100% 200% 5 100% 100% 345 910 200 1,365 200 1,365 200 640 230 200 570 230 200 570 230 200 570 230 200 570 230 200 570 70 115 115 70 115 685 15 per day 70 685 15 per day 230 685 15 per day 230 70 230 yes 9 treatments 10 hours yes yes 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 2 hours 250 750 1,250 425 9 trt and 9 trt extra yes 250 750 1,250 250 425 200 30 per day 100% 400 40 per day 100% 600 40 per day 100% 200 30 per day 100% 350 40 per day 100% yes yes possible3 200 200 200 200 50 per year yes possible3 500

4 5 6

In accordance with the drug reimbursement system you may need to pay a personal contribution. This list is determined by the government. It can be viewed at www.cz.nl/voorwaardencollectief (information in Dutch). In accordance with the market rate applicable in the Netherlands. Australia, Bosnia-Herzegovina, Cape Verde, Croatia, Macedonia, Morocco, Montenegro, Serbia, Tunisia, Turkey.

General insurance

Deductible

Personal contribution

Additional insurance Basis Collectief

Additional insurance Plus Collectief

Additional insurance Top Collectief

Additional insurance Jongeren

Additional insurance 50+

Childbirth and maternity care Maternity care,to be requested not less than five months before the expected birth date in hospital (medical necessity) in maternity centre or hospital without medical necessity at home (application via CZ Kraamzorg, telephone 0900 202 03 40 or via cz.nl) in addition to personal contribution for maternity care without medical indication extra maternity care, only when medically necessary maternity care after hospitalisation Use of delivery room Obstetric care by midwife, general healthcare provider, obstetrician Incubator care Lactation advisor Maternity pack Medical screening for adoption of children from abroad Outpatient birth without medical indication outpatient delivery without medical indication reimbursement of personal contribution for outpatient delivery without medical indication Fertility treatments IVF/ICSI (at a recognised institution) and corresponding hormone preparations other fertility treatments Prenatal screening prenatal screening without medical indication for women under the age of 36 prenatal screening without medical indication for women over the age of 36 prenatal screening with medical indication Fit en Gezond course around the birth Transport Ambulance transport (one-way) Non-emergency patient transport (one-way; CZ approval required), in the following situations: o  wn vehicle t  axi p  ublic transport Non-emergency patient transport is only reimbursed in the following situations: - for renal dialysis treatment - for radiotherapy or chemotherapy - if you are blind or partially sighted - if you need to use a wheelchair - for a long-term illness or disorder for which your GP has provided a certificate indicating that you need long-term transportation Hospice Reimbursement of personal contribution for a hospice Genetic testing and consultation (by a recognised centre) Dyslexia care Diagnosis and treatment of severe dyslexia for 7, 8, 9, 10 and 11 year-olds (CZ approval required) Audiological care (by a recognised audiological centre) Mechanical artificial respiration Assistance with the treatment of children with cancer (SKION) Resources The general insurance provides (partial) reimbursement for a number of resources, such as: breast prosthesis, wigs, hearing aids, bandage shoes, non-allergenic shoes, orthopaedic shoes, prostheses and ortheses, special visual aids, stoma care resources, diabetes and incontinence and therapeutic elastic stockings. Spectacle lenses, contact lenses and laser eye treatment per 2 calendar years Support soles and therapeutic soles per year (including foot measurements) Potty alarm, rental (non-recurring) max. 4 months or purchase (non-recurring)
7 8

10 days 16/day 7 4/hour 75% 4 days 6 hours 12 hours 200 yes attempts 1, 2, and 3 yes yes yes 100 100 200 yes 12 hours 200 12 hours 200 4 days 6 hours 4 days 6 hours

max. 200 km max. 200 km 0.30 per km

yes 93/year yes yes yes

30 yes

30

30

yes yes

See resources regulations 8

yes9

possible8 100 55 55 200 55 100 55 100 55

If your healthcare provider declares more than 112.50 per day you must pay the higher amount as an extra contribution. You will nd the maximum reimbursement and special personal contribution per aid in the Medical Resource Regulations at www.cz.nl/voorwaardencollectief (information in Dutch). Except for resources on loan.

General insurance

Deductible

Personal contribution

Additional insurance Basis Collectief

Additional insurance Plus Collectief 40 75 200 25 per pair 50 per pair 3 months 70 24 months 50%

Additional insurance Top Collectief 40 75 300 25 per pair 50 per pair 3 months 70 24 months

Additional insurance Jongeren

Additional insurance 50+ 40 75 300 25 per pair 50 per pair

Test strips for non-insulin dependent diabetics if using Internet Diabetes Pass Reimbursement of general insurance special personal contribution wig or other head cover (CZ authorisation required) hearing aids (reimbursement of excess per hearing aid) orthopaedic shoes, non-allergenic shoes and medically necessary modification of ready-made shoes - up to 16 years - from 16 years hire costs of nursing articles (extension to general insurance) Support pessary for prolapse ADL (Activities of Daily Living) resources Home telemonitor (CZ approval required) maximum no. of months on loan/extension of loan Home care products (prescribed by doctor, CZ approval required) Epilepsy alarm Mental healthcare Psychiatric care with hospitalisation Psychiatric care without hospitalisation treatment programme shorter than 100 minutes treatment programme longer than 100 minutes Psychotherapy for personality disorder (per indication) and other disorders treatment programme shorter than 100 minutes treatment programme longer than 100 minutes Total maximum reimbursement for primary psychological care and walk-in centres Primary psychological care (incl. course of online treatment) personal contribution for primary psychological care out of general insurance personal contribution for course of online treatment Walk-in centres for (former) cancer patients and their families Recovery Health resorts (for certain indications, CZ approval required) in the Netherlands, treatment and lodging costs abroad, treatment, travel and lodging costs Recuperation & Balance Programme (at recognised institution, per treatment programme) Care to prevent illness Preventive examination (1x per year) cardiovascular examination risk factors that may hinder work (not in 50+ policy) Flu jab (once a year) injection consultation Prevention (injections, tablets and consultations) when travelling abroad Trauma therapy (support for post-traumatic stress) Programmes dealing with alcohol misuse and depression Advice Sports medical advice from sports (scuba diver) doctor, consultation, examination Consultations and advice for women (for instance for Care for Women) Dietary advice (prescribed by doctor) Dietary advice Courses Health courses (by home care, GGD, DGD or RIAGG, hospital, by institution/healthcare provider recognised by CZ, or a recognised patient association) Exercise programmes (only for certain conditions) One-off reimbursement for diabetes course after using Internet Diabetes Pass for 6 months yes 5 sessions yes 20/session 50/ course 100 10 200 10 365 days yes yes 100 10 200 10 145/ month

40 75 100 25 per pair 50 per pair 3 months 70 24 months 50%

3 months

3 months 100 75%

460 from the 6th session 100% 100% 100%

920 from the 6th session 100% 100% 100%

460 from the 6th session 100% 100%

350 from the 6th session 100% 100% 100%

500 80% 80% 900

1,000 80% 80% 900

2,000 80% 80% 900 900

500 80% 80% 900

100

250

500

50

50

26 50%

26 75%

26

26

60 200 120 50

115 200 120 75

115 200 120 100

115 120 50

115 200 120 75

50 350 per 3 years 40

100 350 per 3 years 40

200 350 per 3 years 40

50

100 350 per 3 years 40

10

The personal contribution for psychiatric care without hospitalisation and for psychotherapy is per course of treatment and together a maximum of 200 per year.

Dentistry and orthodontics

The total reimbursement for dental care under the additional insurance is a maximum amount per year. If you have treatment, the reimbursement will be a percentage of the market rate applicable in the Netherlands up to the maximum amount per year. For example: you opt for the additional insurance 'Tandarts Collectief' and you have dental cleaning (other dental care), you will then receive reimbursement of 100% of the usual market rate in the Netherlands up to a maximum of 450.

General insurance

Deductible

Personal contribution

Additional insurance Tandarts Collectief

Additional insurance Uitgebreide Tandarts Collectief 1,150

Additional insurance Jongeren 450

Total reimbursement for dental care Dentistry up to 18 years Check-up (on dentist's recommendation, possible several times a year) Fluoride treatment Other dentistry11 Dentistry from 18 years Check-up 1st and 2nd preventive examination Other dentistry11 Dentistry (for all ages) Crowns, inlays, bridgework, dummy root cap Dental prosthesis complete set of dentures (upper and/or lower) personal contribution for full set of dentures repair and rebasing of full set of dentures (upper and/or lower) partial dentures or frame dentures Implants (for certain conditions, CZ's consent required) fee for dentist and oral surgeon additional outpatient or clinical costs (hospital) suprastructure upper or lower set of dentures on implant upper and lower set of dentures on implant implantology in a jaw with teeth yes yes yes yes yes 125 250 yes 75%, 1x per 8 years yes 25% 1x per year 2x per year

450

100% 100% 75%

100% 100% 75%

100% 75% 75%

75% personal contribution general insurance 75%

75% personal contribution general insurance 75%

75% personal contribution general insurance 75%

75% personal contribution general insurance 75% personal contribution general insurance 75%

75% personal contribution general insurance 75% personal contribution general insurance 75%

75% personal contribution general insurance 75% personal contribution general insurance 75%

Dentistry in special circumstances CZ approval required for some indications/handicap yes

Orthodontics Orthodontics up to 22 years Maximum reimbursement (non-recurring) Orthodontics from 22 years Maximum reimbursement (non-recurring) Orthodontics in special circumstances CZ's authorisation required for some indications
11

100%, this reimbursement does not count for the maximum reimbursement for dental care 80% 2,045 yes

100%, this reimbursement does not count for the maximum reimbursement for dental care 100%, this reimbursement does not count for the maximum reimbursement for dental care

80% 2,045 80% 345

Other dentistry includes regular treatments such as pulling teeth and molars, llings, nerve and root canal treatments and paradontology. Other dentistry does not

include the treatments listed under the heading 'Dentistry for all ages' and tooth bleaching.

If you see a this healthcare is insured. The reimbursement depends on the insurance you have chosen. Contracted healthcare provider Zorg-op-maatpolis 100% Non-contracted healthcare provider 75% of the market rate applicable in the Netherlands 100% of the market rate applicable in the Netherlands 100% of the market rate applicable in the Netherlands

Zorgkeuzepolis

100%

Additional insurance

100% of the market rate applicable in the Netherlands

Everything for better healthcare

Find a contracted healthcare provider

You will nd a list of the healthcare providers with whom CZ has a contract at www.cz.nl/zorgzoeker (information in Dutch).

Do you need advice? Visit www.cz.nl/kies-uw-zorgverzekering (information in Dutch).

Do you want personalised advice? Visit our web site for the product advice module. If you are insured through a broker, please contact them for help in choosing the right solution for you.

Good to know

No rights can be derived from this package comparer.

650.118.1138

You can take out insurance for yourself and for others. In this case you are the 'policyholder'. Sometimes certain additional insurance policies are not available simultaneously. These are mutually exclusive policies. CZ can determine which additional policies this concerns. or example: with the 'Jongeren' policy you're also insured for dental and orthodontic costs. This is why you can't also take out dental insurance with these policies.