{"type":"document","data":{"id":"dff3b973-0084-4f12-9d65-1cd3119a612d","localeString":"en-GB","publishDate":"2026-03-31T14:49:36.764+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"A competitive premium, good service, and extra reimbursements. Easily switch via the ING App. Check your premium."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Collaboration with all hospitals in the Netherlands","icon":{"transformBaseUrl":"https://assets.ing.com/transform/1e62bdb3-f3d4-40df-b419-6a697b68e73a/lu-office-outline","type":"image","width":96,"original":"https://assets.ing.com/m/c67c41fbe16bfb7/original/lu-office-outline.png","extension":"png"}},{"body":"Including Accident Coverage","icon":{"transformBaseUrl":"https://assets.ing.com/transform/7859d523-ed00-4ee1-b754-5228f535a396/Insurance-Security_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1cc5cbc90a9f344f/original/Insurance-Security_Outline.svg","extension":"svg"}},{"body":"Carry up to 5 unused physical therapy treatments over to 2027","icon":{"transformBaseUrl":"https://assets.ing.com/transform/1d47d81f-59de-422e-8aaa-4612974f8a34/Other-Health_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/453fca9faf17a019/original/Other-Health_Outline.svg","extension":"svg"}}],"cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}},"coreHeader":{"body":"For those who want a sharp premium and excellent terms and lots of extras. Can only be taken out as of January 1, 2027, except for expats or if you are turning 18. Are you an expat or have you just turned 18? Calculate your premium here.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/1a2867b4-9f09-4591-b400-db2a595c8b00/Arcticle-page-Health-806x240","type":"image","width":806,"altTextIT":"Portait of a woman on beach","original":"https://assets.ing.com/m/2793320f0c3559a6/original/Arcticle-page-Health-806x240.png","extension":"png"},"title":"CZdirect Health Insurance 2026"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"ing-feat-health-insurance-widget?isWidget"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"CZdirect basic coverage (basis)","amount":{"value":"148.95","microCopy":"per month with a excess of €385"},"usps":[{"body":"Collaboration with all hospitals in the Netherlands","iconType":"check-mark"},{"body":"100% reimbursement with contracted healthcare providers and up to 65% reimbursement with non-contracted healthcare providers","iconType":"check-mark"},{"body":"Extra via ING: Accident coverage included","iconType":"check-mark"},{"body":"Children up to 18 years old are always insured free of charge","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}}}],"title":"CZdirect basic coverage (basis)"},{"componentType":"accordion","accordionList":[{"title":"CZdirect Basisverzekering (basic) insurance documents & information","richBody":{"value":"<p>Read more about</p>"},"textLinks":[{"url":"https://assets.ing.com/m/70c3bcfb7e6af676/original/CZdirect-Basisverzekering-2026-EN.pdf","text":"CZdirect basisverzekering (basic) insurance cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/natura","text":"CZdirect Basisverzekering (basic) insurance card"},{"url":"https://assets.ing.com/m/310ecb14d7a641c0/original/CZdirect-Basisverzekering-voorwaarden-2026-EN.pdf","text":"CZdirect Basisverzekering (basic) insurance terms and conditions"},{"url":"https://assets.ing.com/m/6bc4d95e15de4f9f/original/CZdirect-ongevallendekking-2026-EN.pdf","text":"CZdirect Accident cover overview"}]}]},{"componentType":"sectionTitle","title":"Exclusive for ING customers"},{"componentType":"actionAccordion","actionAccordionList":[{"title":{"value":"<p><strong>Competitive premium</strong> via ING</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9c7816b4-3aa6-4146-bd0a-9875486d8f7a/Products-Wallet_Outline","type":"image","width":32,"altTextEN":"bank account","altTextNL":"zichtrekening","altTextFR":"compte bancaire","original":"https://assets.ing.com/m/4475ca40a17254c7/original/Products-Wallet_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><strong>Basic insurance </strong>for<strong> € 148.95 </strong>with an <strong>excess of € 385.</strong></li><li><p><strong>Additional coverage ING Fysio 3+ </strong>starting from<strong> € 4.30 </strong>per month, including:</p><ul><li>3 physiotherapy treatments and the ability to carry over up to 3 treatments to 2027</li><li>100% coverage for emergency care worldwide</li><li>100% coverage for contraceptive pill</li><li>50% coverage for travel vaccinations</li></ul></li><li><p><strong>Dental coverage ING Tand 100 </strong>starting from<strong> € 7.95 per month</strong>, including:</p><ul><li>Reimbursement up to €100</li><li>100% coverage for check-ups</li><li>75% coverage for other treatments</li></ul></li></ul>"}}]},{"title":{"value":"<p>Choose for <strong>quality</strong></p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/7a2e6a3256ab6223/original/Feedback-Thumbs_Up_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Collaboration with all hospitals in the Netherlands</li><li>45,000 contracted healthcare providers with agreements on quality</li><li>Includes: waiting list mediation, consultation with medical specialists and second opinion services</li><li>You can call the CZdirect health line 7 days a week for questions about health, illness, lifestyle, and medication</li><li><a href=\"https://www.ing.nl/en/personal/insurances/czdirect-health-insurance/additional-services\">Read more about all additional services</a></li></ul>"}}]},{"title":{"value":"<p><strong>Extra coverages </strong>via ING</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/a3eac35e-ad59-4356-a753-671083a2271d/Feedback-Star_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/3b9f0dbabb561b2/original/Feedback-Star_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li>Carry up to 5 unused physical therapy treatments over to the next year</li><li>Includes accident coverage for physiotherapy (up to 16 treatments) and dental care (up to €10,000)</li><li>A health check is included with every supplementary insurance.</li><li><a href=\"http://www.ing.nl/en/personal/insurances/czdirect-health-insurance/additional-services\">Read more about all additional services</a></li></ul>"}}]},{"title":{"value":"<p>Receive <strong>extra ING points</strong> and get the best deals for your health</p>"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/0e740daa-8e1d-440c-8ff2-ba1cbd0398cd/Other-Simba_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/307d43b8cceaaf6a/original/Other-Simba_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<ul><li><p>Sign up now for a CZdirect health insurance via ING and<strong> receive 1,000 ING points!</strong> Plus, automatically receive <strong>100 points every month</strong>. A great extra reward for arranging your health insurance.</p></li></ul><ul><li>Take advantage of the best health deals right away. Check out great offers for gym memberships or discounts on vitamins and supplements. <a href=\"http://www.ing.nl/punten/category/132222629\">Check out health deals</a></li><li>Also benefit from the best deals for your dental care. Check out top deals on electric toothbrushes or wireless flossers. <a href=\"http://www.ing.nl/punten/category/132222666\">Check out dental deals</a></li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"}}]}]},{"componentType":"sectionTitle","title":"Which additional coverage suits you?"},{"componentType":"comparisonCardsWrapper","comparisonCards":[{"title":"ING Buitenland+ (abroad)","amount":"1.90","amountMicrocopy":"per month","cta":{"componentType":"comparedCardCta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your 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covered","specs":[{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"}]},{"title":"Contraceptive pill: 100% covered","specs":[{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"}]},{"title":"Healthcheck included","specs":[{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"},{"booleanValue":"true"}]},{"title":"Number of physiotherapy treatments","specs":[{"booleanValue":"false"},{"booleanValue":"none","stringValue":"3"},{"booleanValue":"none","stringValue":"7"},{"booleanValue":"none","stringValue":"9"}]},{"title":"Number of unused physical therapy treatments carry over to the next year","specs":[{"booleanValue":"false"},{"booleanValue":"none","stringValue":"3"},{"booleanValue":"none","stringValue":"5"},{"booleanValue":"none","stringValue":"5"}]},{"title":"Travel vaccinations covered up to","specs":[{"booleanValue":"false"},{"booleanValue":"none","stringValue":"50%"},{"booleanValue":"none","stringValue":"75%"},{"booleanValue":"false"}]},{"title":"Alternative medicine covered up to","specs":[{"booleanValue":"false"},{"booleanValue":"false"},{"booleanValue":"false"},{"booleanValue":"none","stringValue":"€ 75"}]}],"title":"ING Buitenland+ (abroad),ING 3 Fysio+ (physical therapy),ING 7 Fysio+ (physical therapy),ING 9 Fysio+ (physical therapy)"},{"componentType":"accordion","accordionList":[{"title":"Additional coverages documents & information","richBody":{"value":"<p>Read more about</p>"},"textLinks":[{"url":"https://assets.ing.com/m/5035bd4828c01ddb/original/ING-Buitenland-2026-EN.pdf","text":"ING Buitenland+ (abroad) insurance cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-buitenland+","text":"ING Buitenland+ (abroad) insurance card"},{"url":"https://assets.ing.com/m/7aba7e160fe62a22/original/ING-Fysio-3-2026-EN.pdf","text":"ING 3 Fysio+ (physical therapy) insurance cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-3fysio+","text":"ING 3 Fysio+ (physical therapy) insurance card"},{"url":"https://assets.ing.com/m/1107eced008eecae/original/ING-Fysio-7-2026-EN.pdf","text":"ING 7 Fysio+ (physical therapy) insurance cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-7fysio+","text":"ING 7 Fysio+ (physical therapy) insurance card"},{"url":"https://assets.ing.com/m/15d41b95a0c0ee7a/original/ING-Fysio-9-2026-EN.pdf","text":"ING 9 Fysio+ (physical therapy) insurance cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-9fysio+","text":"ING 9 Fysio+ (physical therapy) insurance card"}]}]},{"componentType":"sectionTitle","title":"Which dental insurance do you choose?"},{"componentType":"comparisonCardsWrapper","comparisonCards":[{"title":"ING Tand 100","amount":"7.95","amountMicrocopy":"per month","cta":{"componentType":"comparedCardCta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}}},{"title":"ING Tand 250","amount":"13.00","amountMicrocopy":"per month","cta":{"componentType":"comparedCardCta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}}},{"title":"ING Tand 500","amount":"24.50","amountMicrocopy":"per month","cta":{"componentType":"comparedCardCta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}}}],"specsWrapper":[{"title":"Covered up to","specs":[{"booleanValue":"none","stringValue":"€ 100"},{"booleanValue":"none","stringValue":"€ 250"},{"booleanValue":"none","stringValue":"€ 500"}]},{"title":"Coverage for check-ups","specs":[{"booleanValue":"none","stringValue":"100%"},{"booleanValue":"none","stringValue":"75%"},{"booleanValue":"none","stringValue":"100%"}]},{"title":"Coverage for other treatments","specs":[{"booleanValue":"none","stringValue":"75%"},{"booleanValue":"none","stringValue":"75%"},{"booleanValue":"none","stringValue":"75%"}]}],"title":"ING Tand 100,ING Tand 250,ING Tand 500"},{"componentType":"accordion","accordionList":[{"title":"Additional dental coverages documents & information","richBody":{"value":"<p>Read more about</p>"},"textLinks":[{"url":"https://assets.ing.com/m/4d6800f65422f846/original/ING-Tand-100-2026-EN.pdf","text":"ING Tand 100 (dental) cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-tand100","text":"ING Tand 100 (dental) insurance card"},{"url":"https://assets.ing.com/m/23d916d0c8031535/original/ING-Tand-250-2026-EN.pdf","text":"ING Tand 250 (dental) cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-tand250","text":"ING Tand 250 (dental) insurance card"},{"url":"https://assets.ing.com/m/7f6a94d9c789e2c9/original/ING-Tand-500-2026-EN.pdf","text":"ING Tand 500 (dental) cover overview"},{"url":"https://zorgverzekeringskaart.nl/czdirect/ing-tand500","text":"ING Tand 500 (dental) insurance card"}]}]},{"componentType":"sectionTitle","title":"Why choose health insurance from CZdirect?"},{"componentType":"paragraph","richBody":{"value":"<p>CZ is one of the largest health insurers in the Netherlands. CZdirect is CZ’s affordable online health insurance. That’s why we partner with CZdirect:</p><ul><li>Collaboration with all hospitals in the Netherlands</li><li>45,000 contracted healthcare providers with quality agreements</li><li>Excellent service and personal assistance in reducing waiting times</li><li>Claims and reimbursements easily managed online via the CZ App</li></ul>"}},{"componentType":"applicationProcess","steps":{"title":"Easily switch to CZdirect","stepList":[{"title":"Calculate premium","body":"Choose your cover and view your premium — no strings attached."},{"title":"Apply","body":"Confirm your selection and CZ will send you an overview of your new policy and premium. You always have 14 days to cancel."},{"title":"Switch","body":"CZ will cancel your current health insurance. No muss, no fuss."}]}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/health?flow-step=1-introduction&EW=true","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"accordion","accordionList":[{"title":"This is how carrying over unused physical therapy sessions to 2027 works","richBody":{"value":"<p>You don’t need to do anything for this—depending on your additional coverage, CZ will ensure that the correct number of sessions is carried over. These sessions will be used first before your 2027 allowance begins.</p>"}},{"title":"Am I eligible for healthcare allowance?","richBody":{"value":"<p>If your income isn’t very high, you might be eligible for healthcare allowance.<br />This allowance helps cover the cost of your health insurance. You can calculate whether you qualify—and how much you might receive—on the Dutch Tax Authority’s website. You can also apply for it directly there. Go to the <a href=\"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/toeslagen/zorgtoeslag/\">Dutch Tax Authority – Healthcare Allowance</a></p>"}},{"title":"Can I only take out this health insurance if I’m an ING customer?","richBody":{"value":"<p>Yes, this product is exclusively for ING customers.</p>"}},{"title":"When can I switch health insurance?","richBody":{"value":"<p>You can only switch during the final weeks of the year—no later than <strong>December 31, 2025</strong>. There are exceptions, for example, when you turn 18. From that moment on, you’re allowed to choose your own health insurance.</p>"}},{"title":"Questions about the CZdirect health insurance?","richBody":{"value":"<p>You’ll find lots of information and terms on this page. Prefer to speak to someone? Contact CZ at <strong>088-555 77 77</strong> (Monday to Friday, 8:00 AM – 5:30 PM).</p>"}},{"title":"About the partnership between ING and CZ","richBody":{"value":"<p>ING exclusively partners with CZ for health insurance.</p><p>CZ is a non-profit health insurer. Its mission: to keep healthcare in the Netherlands good, affordable, and accessible for everyone.</p><p>If you take out a CZdirect health insurance policy via ING, ING acts as the intermediary and CZ is the insurer. You can read more about this partnership and what it means for you in the service guide (&quot;dienstenwijzer&quot; in Dutch).</p>"},"textLinks":[{"url":"https://assets.ing.com/m/62136cd8092a64eb/original/Dienstenwijzer-ING-CZ-112023.pdf","text":"Service guide CZ and ING"}]}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information: service guide, terms and conditions"},"textLinks":[{"url":"https://assets.ing.com/m/310ecb14d7a641c0/original/CZdirect-Basisverzekering-voorwaarden-2026-EN.pdf","text":"CZdirect Basisverzekering (basic) insurance terms and conditions"},{"url":"https://assets.ing.com/m/5eaa76432ce2d384/original/ING-Buitenland-voorwaarden-2026-EN.pdf","text":"ING AV Buitenland+ (abroad) terms and conditions"},{"url":"https://assets.ing.com/m/4323780ee559822b/original/ING-Fysio-3-voorwaarden-2026-EN.pdf","text":"ING AV 3 Fysio+ (physical therapy) terms and conditions"},{"url":"https://assets.ing.com/m/19f92f8c77f17738/original/ING-Fysio-7-voorwaarden-2026-EN.pdf","text":"ING AV 7 Fysio+ (physical therapy) terms and conditions"},{"url":"https://assets.ing.com/m/4bedb1d08e2bcf6b/original/ING-Fysio-9-voorwaarden-2026-EN.pdf","text":"ING AV 9 Fysio+ (physical therapy) terms and conditions"},{"url":"https://assets.ing.com/m/10db5931b53339af/original/ING-Tand-100-voorwaarden-2026-EN.pdf","text":"ING AV Tand 100 (dental) terms and conditions"},{"url":"https://assets.ing.com/m/2601a00d44e39362/original/ING-Tand-250-voorwaarden-2026-EN.pdf","text":"ING AV Tand 250 (dental) terms and conditions"},{"url":"https://assets.ing.com/m/179dbef76e74acb6/original/ING-Tand-500-voorwaarden-2026-EN.pdf","text":"ING AV Tand 500 (dental) terms and conditions"},{"url":"https://assets.ing.com/m/d2c3437f183a14d/original/CZdirect-ongevallendekking-voorwaarden-2026-EN.pdf","text":"Accident coverage (physical therapy and dental) terms and conditions"},{"url":"https://assets.ing.com/m/62136cd8092a64eb/original/Dienstenwijzer-ING-CZ-112023.pdf","text":"CZ and ING service guide (in Dutch)"}]}]}}}