Comparison

CZ declareren vs XYLO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CZ declareren

Easily claim invoices from your healthcare provider by submitting photos or PDFs. Access your policy details, deductible status, and past invoices. Get quick answers about your health insurance coverage.

Highlights
  • Claim invoices via photo or PDF
  • View policy information
  • Check deductible status
  • Access past invoices
  • One-time DigiD registration
  • PIN, fingerprint, or FaceID unlock
Features
Read full description

About this app Claim your invoice in a few simple steps, check your policy information, your deductible and much more! CZ app Received an invoice from your healthcare provider? Claim your invoice in a few simple steps. Simply send us a photo or pdf of your invoice. We take care of the rest. Need more info about your health insurance or healthcare consumption? Find the answer in the app! With your smartphone, wherever and whenever you want. • One-time registration with DigiD • Unlock the app with PIN code, fingerprint or FaceID. Quick and easy • Claim invoices easily: take a picture, send it and that’s it. We take care of the rest • Insight in all your invoices of the past two years; regardless of whether they’ve been claimed by you personally or by a healthcare provider! • Check your policy information • Insight in the current state of your deductible • Find out in the app how you are insured for the most commonly sought out reimbursements. For example physiotherapy or alternative treatments. Give your feedback We build the app for you. So we’d like to hear what you think about it. Questions, feedback, suggestions? Rate us and help us make the app even better. Want to know more? You can find more information about the app on https://www.cz.nl/service-en-contact/cz-app Anything about claiming invoices you’ll find on https://www.cz.nl/service-en-contact/zorgkosten-declareren

About

XYLO

Features
Read full description

Scan. Understand. Ask. — All on your device. XYLO turns any document into an instant AI summary and lets you have a conversation about it. Scan a receipt, upload a contract, photograph meeting notes — XYLO extracts the text, breaks it down, and answers your follow-up questions. No internet. No servers. No data ever leaves your phone. --- SCAN & UPLOAD --- Scan any document or import a PDF from your files. XYLO uses Apple Vision to extract every word with precision. Supports receipts, contracts, memos, reports, letters, news articles, and more. --- INTELLIGENT SUMMARIES --- XYLO doesn't just summarize — it structures. Get organized sections with bullet points, checklists, key-value pairs, and data tables automatically detected from your document. Action items are highlighted. Important dates, names, and amounts are called out. --- ASK FOLLOW-UP QUESTIONS --- Tap "Ask" to start a conversation with your document. "What are the key deadlines?" "Who are the parties involved?" "What is the penalty clause?" XYLO finds the most relevant sections and gives you an accurate, grounded answer — with page citations. Smart follow-up suggestions keep the conversation going. All chats are saved on-device. --- SMART DOCUMENT INTELLIGENCE --- XYLO automatically detects document type, tone, and audience. It extracts names, organizations, dates, monetary amounts, and flags sensitive information like phone numbers or email addresses — all displayed in a beautiful intelligence dashboard. --- COMPARE DOCUMENTS --- Select any two documents from your history and compare them side by side — differences in tone, content, and structure highlighted instantly. --- POWERED BY APPLE INTELLIGENCE --- On supported devices (8 GB+), XYLO uses Apple Intelligence for instant document analysis — no downloads, no waiting. Just scan and go. On other devices, a one-time model download enables the same powerful analysis. --- 100% PRIVATE. ZERO DATA COLLECTION. --- Every AI model runs directly on your device. No cloud. No API calls. No analytics. No accounts. No tracking. Turn on Airplane Mode and XYLO still works — scanning, summaries, and chat all run with zero connection. What you scan stays on your device — period. XYLO is built for people who care about privacy. --- PRICING --- Your first 3 documents are free — enough to experience the full power of on-device AI. Then own it forever with a single lifetime purchase. No subscription, no recurring fees, no hidden costs. All future updates included. --- REQUIREMENTS --- - iPhone or iPad with 6 GB RAM or more (iPhone 14 Pro, iPhone 15, or newer recommended) - iOS 26.0 or later - Apple Intelligence required on 8 GB+ devices (enabled in Settings) - ~1 GB free storage for the on-device AI model (6 GB devices only — 8 GB+ devices use Apple Intelligence with no download) Understand more, remember everything. - NEW: Ask Across Your Library — ask one question across all your documents and get an answer that cites which documents it came from - NEW: Collections & tags — organize your analyses into folders, with automatic tagging by document type and topic - NEW: Structure-aware reading — tables, lists, and titles are detected and preserved; copy or share any table as Markdown, CSV, or TSV - NEW: Choose how Q&A answers — capable devices use Apple Intelligence by default (instant, no download); opt into on-device Gemma for richer answers (one-time download, fully private, and it cools down gracefully by falling back to Apple Intelligence under heavy load) - Rename any analysis, and see cleaner titles throughout - Sharper, better-grounded answers — document chat now stays anchored to your document's facts (names, dates, amounts) and resists making things up, with faster, cooler-running performance on 6 GB devices - Faster, lighter 6 GB devices — a single compact on-device model now powers both summaries and chat (~1 GB download, down from ~3.5 GB) 100% on-device, as always. No internet, no servers, no data collection.

Screenshots

CZ declareren4 screens
XYLO4 screens

Verdict

The call

The clearest difference is in-app purchases: CZ declareren at none against XYLO's 1. CZ declareren also leads on iOS requirement (16.0 vs 26.0). XYLO's advantage is update cadence (every 3 days vs every 2 weeks). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. XYLO sells 1 one-off in-app purchase. CZ declareren asks for nothing beyond the download.

UpkeepUpdate frequency

CZ declareren ships an update every 2 weeks, XYLO every 3 days. The most recent releases landed on November 6, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
CZ declareren versus XYLO: the parameters behind the verdict, then further details
ParameterCZ declarerenXYLO
PriceFreeFree
Rating4.3 (23 ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings23 — better—
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhoneiPhone, iPad — better
Requires iOS16.0 — better26.0
Further details — not scored
Size124 MB14 MB
Age rating4+4+
DeveloperOnderlinge Waarborgmaatschappij CZ groep U.A.Ralph Mattew Palomaria

In-app purchases

None

CZ declareren

No in-app purchases

1 purchases

XYLO

One-time1
  • Xylo Lifetime Access$9.99

Questions

Is CZ declareren free?
CZ declareren is free to download, with no in-app purchases.
Is XYLO free?
XYLO is free to download, with in-app purchases available.
Do CZ declareren or XYLO have ads?
Neither CZ declareren nor XYLO shows ads.
Which is updated more often, CZ declareren or XYLO?
CZ declareren ships an update every 2 weeks, and XYLO every 3 days. Most recently, CZ declareren was updated on November 6, 2026 and XYLO on October 31, 2026.

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