CZ group

What CZ group does

CZ groep is a Dutch non-profit health insurer (zorgverzekeraar zonder winstoogmerk) headquartered in Tilburg, founded in 1930 and operating as the second-largest health insurer in the Netherlands. The company serves approximately 3 million customers and 3.8 million insured persons through a portfolio of three basic insurance policies (Zorgbewustpolis, Zorg-op-maatpolis, Zorgvariatiepolis), a tiered set of supplemental packages (Start, Basis, Plus, Top, Jongeren, 50+), two dental insurance products, and a budget sub-brand called CZdirect. Revenue is generated exclusively through recurring monthly premiums ranging from €2.15 to €177.50 per adult, with children co-insured at no charge.

Distribution is digital-first following the May 2024 closure of 18 physical service offices; customers purchase, manage policies, submit claims, and chat with staff through the cz.nl website, the CZ App (4.6/5 rating, 11,000+ reviews), and the Mijn CZ customer portal. The company also distributes through employer collective schemes, member organizations, and municipal health insurance (gemeentepolis) programs for lower-income residents. Core technology runs on Microsoft Azure, with Sapiens IDITSuite on Azure (implemented with Deloitte as system integrator, announced March 2026) forming the modernized insurance processing backbone featuring low-code configuration and business-rules-driven workflows. The provider network spans approximately 45,000 contracted healthcare providers, representing roughly 95% of all providers in the Netherlands, accessible to customers via the Zorgvinder tool.

The business model is subscription-based with annual policy cycles under the Dutch mandatory basic-insurance regime. CZ differentiates on a non-profit social mission, broad provider access, digital service quality, and an 'Extra' benefits stack that includes SkinVision computer-vision skin checks, wachtlijstbemiddeling (waitlist mediation), health coaching, and the CZ Zorgteam advisory service. The company is governed by a Statutory Executive, an Executive Team, a Members' Council, and a Supervisory Board, and the Statutory Executive holds a seat on the Zorgverzekeraars Nederland industry body. Revenue is not publicly disclosed.

Name

CZ group

Legal name

CZ groep

Website

https://cz.nl

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CZ groep is a Dutch non-profit health insurer founded in 1930, serving approximately 3 million customers as the second-largest health insurer in the Netherlands through mandatory basic, supplemental, and dental policies distributed via a digital-first platform.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

Keywords

• Health insurance services
• Basic health insurance
• Supplemental medical coverage
• Dental insurance plans
• Group health insurance

Headquarters

HQ city

Tilburg

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: CZ generates primary revenue from monthly health insurance premiums paid by individual customers, employers (collective schemes), and municipalities. Premiums range from €2.15 to €177.50 per month depending on policy type. As a non-profit insurer (geen winstoogmerk), revenues are used to cover healthcare costs and maintain operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CZ groep is a Dutch non-profit health insurer that provides mandatory basic health insurance, supplemental insurance packages, and dental coverage to more than 3 million customers. The company operates a digital-first service model via the CZ app, Mijn CZ portal, and website, supported by contracts with approximately 45,000 healthcare providers covering ~95% of Dutch providers. Revenue is generated through monthly premiums from individuals, employer group schemes, and municipal subsidized plans.

Product overview

CZ group is a non-profit health insurer offering a comprehensive health insurance portfolio comprising three main basic insurance policies (Zorgbewustpolis, Zorg-op-maatpolis, Zorgvariatiepolis) with varying reimbursement levels and provider networks. The product line includes supplemental insurance packages (Start, Basis, Plus, Top, Jongeren, 50+) and dental insurance options (Tandarts, Uitgebreide Tandarts), all accessible through digital platforms including the CZ App and Mijn CZ portal. The organization also operates sub-brands CZdirect for budget-conscious customers and provides collective insurance through employers and member organizations, with over 3 million customers served since 1930.

Differentiator

Problem solved

Functional benefit

Brands

• CZdirect: Budget-oriented health insurance products offered by CZ groep for cost-conscious consumers.

Products and services

• Zorgbewustpolis Limited in-kind basic health insurance policy for Dutch residents offering 100% reimbursement at contracted healthcare providers and 70% at non-contracted providers. Available with voluntary deductible options from €385 to €885.
• Zorg-op-maatpolis Most-chosen in-kind basic health insurance policy offering 75% reimbursement at non-contracted healthcare providers, with six deductible levels and the option to manage affairs digitally or by mail.
• Zorgvariatiepolis Combination basic health insurance policy offering 100% reimbursement at contracted providers, up to market-conforming rates at non-contracted providers, and 85% reimbursement for mental health (GGZ) and district nursing at non-contracted providers.
• Aanvullende verzekering Start Entry-level supplemental insurance package at €2.15/month including worldwide emergency care coverage for Dutch residents.
• Aanvullende verzekering Basis Basic supplemental insurance package at €10.85/month including 9 physiotherapy sessions.
• Aanvullende verzekering Plus Premium supplemental insurance package at €27.35/month including 12 physiotherapy sessions, €350 annual glasses/contact lenses allowance, and €100 biennial hearing aid allowance.
• Aanvullende verzekering Top Top-tier supplemental insurance package at €49.95/month including 20 physiotherapy sessions, €550 annual glasses/contact lenses allowance, and €125 biennial hearing aid allowance.
• Aanvullende verzekering Jongeren Youth-focused supplemental insurance for ages 18-29 at €27.20/month including 8 physiotherapy sessions, €200 annual dental coverage, and €350 one-time orthodontic coverage.
• Aanvullende verzekering 50+ Age-specific supplemental insurance for customers aged 50+ at €22.20/month including 13 physiotherapy sessions and €300 annual dental coverage.
• Tandartsverzekering Standard dental insurance at €27/month covering up to €450/year including check-ups, treatments, accident coverage (€10,000), and orthodontic coverage (80% up to €2,045 for under-18s).
• Uitgebreide Tandartsverzekering Extended dental insurance package at €48.40/month covering up to €1,150 annually with comprehensive dental benefits.
• CZdirect Budget health insurance sub-brand under CZ groep offering basic coverage with lower premiums through a separate platform at czdirect.cz.nl, aimed at cost-conscious consumers.
• Collectieve Zorgverzekering Group health insurance for employers and member organizations providing discounts on supplemental coverage, higher reimbursements, and additional benefits for employees and their families.
• Gemeentepolis Municipal health insurance for lower-income residents offering subsidized coverage options in partnership with Dutch municipalities.
• CZ App Mobile application for managing all healthcare matters including viewing policies, submitting claims, checking reimbursements, and live chat with customer service. Rated 4.6/5 based on 11,000+ reviews.
• Mijn CZ Online customer portal for managing health insurance including policy viewing, claims submission, reimbursement tracking, and policy changes.
• Zorgvinder Healthcare provider finder tool showing all contracted healthcare providers (over 45,000 contracts) with quality and contract information.
• Spoedzorg op reis App Emergency care abroad app providing 24/7 access to advice from doctors or nurses, plus the insurance card and EHIC for emergencies during travel.

Quantifiable outcome

• Customer satisfaction rating of 8.0 out of 10 for service delivery
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Sapiens International CorporationcoreTechnology or Integration · 5 March 2026CZ Health Insurances selected Sapiens IDITSuite for Property & Casualty on Microsoft Azure Cloud for business modernization. The solution enables process automation, operational efficiency through low-code configuration and business rules-driven workflows, and enhanced digital customer engagement.
• Deloitte Consultative ServicescoreImplementation/ SI/ Consulting Partner · 5 March 2026Deloitte serves as the system integrator for the Sapiens IDITSuite implementation at CZ Health Insurances, providing consulting and implementation services for the cloud modernization project.
• Microsoft AzurecoreTechnology or Integration · 5 March 2026Cloud infrastructure platform hosting the Sapiens IDITSuite solution for CZ's insurance operations modernization.
• Ronald McDonald HuisminorStrategic or Co-development PartnerPartnership supporting Ronald McDonald Houses, providing accommodation for families of hospitalized children. CZ is involved as part of their societal commitment (maatschappelijke betrokkenheid).
• LuisterlijnminorStrategic or Co-development PartnerPartnership with the Luisterlijn (Listening Line), a telephone helpline providing emotional support. CZ supports this initiative as part of their community involvement.
• Zorgverzekeraars NederlandcoreStrategic or Co-development PartnerCZ's Statutair Bestuurder serves as a member of the board of Zorgverzekeraars Nederland (Dutch Health Insurers Association), the industry body representing Dutch health insurers.
• Healthcare Providers (~45,000)coreStrategic or Co-development PartnerCZ has contracts with approximately 45,000 healthcare providers including hospitals, general practitioners, pharmacies, physiotherapists, and mental health providers. Contracts cover ~95% of all healthcare providers in the Netherlands with quality and pricing agreements.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Zilveren Kruis (Achmea): Largest Dutch health insurer, part of Achmea group, offering the same mandatory basic insurance plus supplemental packages through digital and broker channels. Most direct scale comparable to CZ within the same regulated market and switching-season dynamics.
• VGZ (Coöperatie VGZ): Major Dutch cooperative health insurer with similar mutual/non-profit structure, multi-brand portfolio, and digital-first service model. Directly competes with CZ for individual, employer, and municipal collective schemes in the same Dutch switching-season market.
• Menzis: Dutch non-profit cooperative health insurer with comparable basic/ supplemental/ dental products, regional care initiatives, and employer collective schemes. Serves millions of Dutch members under the same regulatory regime as CZ.
• DSW Zorgverzekeraar: Independent Dutch health insurer offering basic and supplemental plans in the same mandatory market. Comparable product set, smaller scale, and similar regulatory exposure make DSW a relevant like-for-like competitor for CZ.
• ONVZ: Dutch onderslinge mutual health insurer providing basic and supplemental plans to Dutch residents, including collective employer schemes. Operates in identical regulatory framework and competes for the same customer segments as CZ.
• Univé: Dutch mutual insurer offering basic and supplemental health insurance to individuals, employers, and self-employed customers. Comparable mutual structure, multi-channel GTM, and presence in the Dutch switching-season market.

Broad incumbents

• ASR Nederland: Large Dutch insurance group offering life, P&C, and health insurance plus asset management. Overlaps with CZ in Dutch health insurance but operates across multiple insurance lines with a much broader portfolio than CZ's health-only focus.
• Achmea: Parent of Zilveren Kruis and Centraal Beheer; largest Dutch insurance group with deep overlap in basic/ supplemental health alongside non-health lines (P&C, life, pensions). Provides a scale benchmark against which CZ's focused health-only footprint can be measured.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cz
• TikToktiktok.com/@cz_zorgverzekeraar
• Xx.com/cz_nl
• Facebookfacebook.com/ZorgverzekeraarCZ

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CZ group