Achmea B.V.
Avéro Achmea
Avéro Achmea is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
The insured must contact the alarm centre before being treated in a private clinic and must get prior approval, otherwise those costs are not covered; the alarm centre coordinates with foreign medical providers, and settlement may otherwise require the insured to pay upfront and claim reimbursement afterwards.
Geographic scope
Europe (extended list) or Worldwide, depending on the option selected on the policy schedule
If 'Europe' is selected, cover also includes the Azores, Canary Islands, Cyprus, Madeira and Russia up to the Urals and the Caucasus, plus outside Europe: Algeria, Egypt, Iceland, Israel, Lebanon, Libya, Morocco, Syria, Tunisia and Turkey; it excludes Bonaire, Sint Eustatius and Saba. If 'Worldwide' is selected, cover applies globally.
Unique selling points
- No deductible applies to the standard base travel insurance package.
- Cover can be upgraded from 60 days in Europe to 365 consecutive days worldwide, including winter and water sports.
- The statutory excess of the insured's Dutch health insurance is also reimbursed for treatment received abroad.
- Bundling several Avéro Achmea policies together can raise the multi-policy discount up to 12%.
- A 24/7 alarm centre (Eurocross) coordinates care abroad and can settle costs directly with foreign hospitals and doctors.
Coverage limits
Medical expenses during the trip
Covered
Treatment prescribed by a doctor recognised by the government of the destination country is reimbursed per insured person per trip, only during the trip and not for follow-up treatment in the Netherlands; no explicit euro ceiling is stated for this line.
Doctor treatment costs
Covered
Doctor-prescribed medical treatment abroad is covered; the statutory excess of the insured's Dutch health insurance relating to the treatment is also reimbursed, but any voluntary excess chosen on that health insurance is never covered.
Hospital nursing/admission
Covered
Nursing in a hospital that is officially recognised by the government of the destination country is reimbursed at cost; no explicit ceiling is stated.
Doctor/dentist-prescribed investigations, medicines and dressings
Covered
Investigations, medicines or dressings prescribed by a doctor or dentist are reimbursed at cost price.
Emergency dental treatment
€500
Treatment prescribed by a dentist recognised by the government of the destination country is reimbursed up to €500 per insured person per trip, only during the trip and not for follow-up treatment in the Netherlands.
Transport to/from hospital abroad
Covered
Transport to and from a hospital when the insured is ill or has had an accident, including transport to another hospital when medically necessary, is reimbursed at cost, only during the trip abroad.
Medical evacuation
No limit stated
Not addressed in this medical-costs terms document; medical evacuation/repatriation is arranged under the separate 'Personenhulp' (personal assistance) module of the policy, which was not among the sources reviewed for this insurer.
Repatriation of remains
No limit stated
Not addressed in this medical-costs terms document; this is covered under the separate 'Personenhulp' assistance module, not reviewed here.
Search and rescue
No limit stated
Not addressed in this medical-costs terms document; search and rescue costs are covered under the separate 'Personenhulp' assistance module, not reviewed here.
COVID-19 treatment
No limit stated
COVID-19 is not separately mentioned; treatment would follow the general unexpected-illness rules if not a known/foreseeable condition.
Pre-existing conditions
Excluded
Medical costs are never covered if the insured knew, or could have known, that they would need medical treatment during the trip, for example because of an existing illness or condition, or because the trip was made in order to receive treatment.
Winter and water sports medical costs extension
Optional
Medical costs arising from winter sports or diving/water sports are only covered if the Winter- and onderwatersport extension is added (shown on the policy schedule); cross-country skiing, skating and snorkelling do not require the extension. Even with the extension, costs are excluded for competitions/training, off-piste skiing without a certified guide (or when avalanche warning level 4+ is issued), and a list of extreme winter sports (e.g. heli-skiing, ski-jumping, ice climbing).
Adventure sports cover
No limit stated
No separate 'adventure sports' category is defined beyond the winter/water sports extension and the general exclusions for competitions, martial arts/fights and reckless behaviour.
Pregnancy complications
No limit stated
Pregnancy is not specifically mentioned in this medical-costs terms document; the general pre-existing/foreseeable condition exclusion may apply if care was already needed before departure.
Personal liability
No limit stated
Not addressed in this medical-costs terms document; liability cover is a separate insurance line, not part of this product.
24/7 alarm centre assistance
Covered
The insured must call the Achmea alarm centre directly, before incurring medical costs, and follow its instructions; failure to do so can result in reduced or no reimbursement. Achmea's alarm centre (Eurocross) is generally available 24 hours a day, 7 days a week.
Key conditions
Assistance call deadline
The insured must call the alarm centre immediately, before incurring medical costs, and follow its instructions; this is a condition for cover under the medical costs section.
Unauthorized treatment
If the insured does not comply with an obligation under the policy terms (such as calling the alarm centre or getting prior approval for a private clinic) and this is detrimental to the insurer, the insurer pays less or no compensation, for example when the loss cannot be properly assessed or becomes larger as a result.
Purchase while abroad
Not applicable/not addressed: this is a continuous (rolling) annual travel policy taken out before departure from the Netherlands; the terms do not describe purchasing or adding cover while already abroad.
Chronic conditions
The terms do not separately define 'chronic diseases'; the general exclusion applies for events the insured knew, or could have known, would require medical costs during the trip, e.g. an existing illness or condition.
Pregnancy
Pregnancy is not specifically mentioned in the medical expenses terms; the general pre-existing/foreseeable condition exclusion may apply if care was already needed before departure.
Pre-existing condition exclusions
Medical costs are not covered if the insured knew, or could reasonably have known, that they would need medical treatment during the trip, for example because of an existing illness or condition, or because the trip was made in order to be treated.
Coverage duration limit
A trip is covered for a maximum of 60 consecutive days, unless a longer period is stated on the policy schedule (insurance certificate).
Documents
Terms and Conditions - Doorlopende Reis Geneeskundige kosten (DLR-BV-51-251, July 2025)
Terms & conditions
Terms and Conditions - Doorlopende Reis Geneeskundige kosten (DLR-BV-51-241, January 2024, prior version)
Terms & conditions
IPID - Doorlopende Reisverzekering Avéro Achmea ParticulierOpZeker
IPID
Policy specifics
Medical treatment coverage during travel
Coverage for medical treatment costs up to €500 per insured per trip, including doctor visits, medicines, and necessary medical care during the trip
SourceMandatory alarm center contact
Insured must contact the alarm center (Eurocross Assistance/Achmea Alarmcentrale) prior to receiving medical treatment for approval and coordination
SourcePre-existing conditions exclusion
Medical treatment for conditions treated or managed by a doctor within 6 months before the trip is not covered
SourceWinter and water sports medical costs exclusion
Medical costs for winter sports and water sports injuries are not covered under the basic medical costs coverage
SourceMedical repatriation to Netherlands
Costs for medical transport and repatriation to the Netherlands under guidance of medical personnel when medically necessary
SourceDutch health insurance requirement
Insured must have active Dutch basic health insurance (basisverzekering) for medical costs coverage to apply
SourceMedical necessity and urgency condition
Treatment must be immediately necessary and cannot wait until return to Netherlands; must arise unexpectedly during the trip
SourceRed travel advice destination exclusion
No coverage if travel destination has red travel advice from Dutch Ministry of Foreign Affairs (Ministerie van Buitenlandse Zaken) at time of travel
SourceDutch health insurance tariff basis
Insurer reimburses according to Dutch health insurance tariffs and rates, not actual foreign treatment costs which may be higher
Source