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CZ

78.5Score
★★★★☆4.0

Customer satisfaction · 3.8M members

Consumentenbond: OHRA Top Coverage(2026)Independer: CZdirect Budget Leader(2026)

CZ is the third-largest health insurer group in the Netherlands with 3.8 million policyholders. A non-profit mutual, CZ operates sub-brands including CZdirect (budget), OHRA (broadest coverage at ~100% reimbursement), and Just.

Overall Score

78.5/100

Founded

1930

Headquarters

Tilburg

Type

private
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Key Metrics

Basic Premium

Varies by sub-brand

Reimbursement Rate

75-100% (OHRA near 100%)

Market Share

~22% (CZ group)

English Support

yes

Editorial Ratings

Consumentenbond: OHRA Top Coverage(2026)

Rating: OHRA (CZ sub-brand) highly rated for coverage (max: 10/10)

82Consumentenbond
Independer: CZdirect Budget Leader(2026)

Rating: CZdirect among cheapest basic plans (max: 10/10)

75Independer

Coverage Highlights

  • ✓OHRA sub-brand offers near-100% reimbursement and freedom of choice
  • ✓CZdirect budget brand among cheapest basic plans
  • ✓Non-profit mutual structure — profits reinvested
  • ✓English-language website and support available
  • ✓Wide range of sub-brands from budget to premium

Pros

  • ✓English-language website and support available
  • ✓Wide range of sub-brands from budget to premium
  • ✓OHRA brand offers near-complete coverage
  • ✓Non-profit structure focused on policyholder benefit

Cons

  • ✗CZ group lost ~1% market share in 2024
  • ✗Basic CZ plans have lower reimbursement for uncontracted care
  • ✗Can be confusing navigating multiple sub-brands

Frequently Asked Questions

What sub-brands does CZ offer?

CZ operates multiple sub-brands: CZdirect (budget-friendly, lower premiums), OHRA (premium brand with near-100% reimbursement and full freedom of provider choice), and Just. Each targets different customer segments.

Does CZ offer English-language support?

Yes. CZ provides an English-language website at cz.nl/en and English customer support, making it a good option for expats in the Netherlands.

Is CZ a for-profit company?

No. CZ is a non-profit mutual insurer, meaning profits are reinvested back into the organization for the benefit of policyholders rather than distributed to shareholders.

What reimbursement rates does CZ offer for uncontracted providers?

Reimbursement rates vary by sub-brand. OHRA offers near-100% reimbursement for uncontracted care, while basic CZ plans offer lower rates. CZdirect, as the budget option, has the most restrictive reimbursement for non-contracted providers.

Quick Summary

InsurerCZ
Country🇳🇱 Netherlands
Overall Score78.5/100
Satisfaction4.0/5
Members3.8M
Typeprivate
Founded1930

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