ACSI Verzekeringen B.V.
ACSI
ACSI is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Medical bills must first be submitted to the policyholder's Dutch health insurer; ACSI then reimburses the remaining difference and covers the policyholder's own health-insurance excess (eigen risico).
Geographic scope
Europe or worldwide, depending on the selected coverage area
Coverage applies while travelling in Europe or worldwide depending on the chosen option; within the Netherlands, cover only applies if there is a paid, pre-booked overnight stay as part of a broader trip.
Unique selling points
- Covers medical costs abroad at their full actual cost, including reimbursing the policyholder's own Dutch health-insurance excess (eigen risico).
- 24/7 dedicated Ansvar Alarmcentrale assistance line with a published direct emergency number.
- The Optimaal tier allows continuous trips of up to 180 days, ideal for long winter stays abroad (overwintering).
- Free bicycle cover up to €4,000 per bike when combined with an ACSI caravan or camper insurance policy.
- Package discount of up to 10% when bundling five or more ACSI insurance policies.
Coverage limits
Medical expenses coverage
€500
Optional add-on that can be selected on top of the base policy. Abroad, medical costs are reimbursed at their full actual cost (not just the Dutch tariff), and ACSI also covers the policyholder's own Dutch health-insurance excess. If treatment continues in the Netherlands during the trip, reimbursement is limited to €500-€1,000 depending on the chosen tier (Basis/Comfort/Optimaal).
Emergency medical treatment
Optional
Optional coverage for costs of urgent or unexpected medical treatment, as a supplement to the policyholder's Dutch health insurance.
Hospitalization
No limit stated
No separate hospitalization limit or benefit is stated in the available sources; hospitalization abroad appears to fall under the general medical expenses cover.
Outpatient treatment
No limit stated
No separate outpatient treatment limit is stated in the available sources.
Emergency dental costs
€250 – €500
Emergency dental treatment only (not routine dental care) is reimbursed up to €250-€500 across the Basis/Comfort/Optimaal tiers; the exact figure per tier is not broken out in the source.
Medical transport
Covered
Included as part of the repatriation benefit: medically necessary transport (including ambulance or air transport) organized and paid for by the alarm centre when medically justified.
Medical evacuation / repatriation
Covered
Return transport to the Netherlands for serious illness or injury, including a medical escort if needed, provided it is medically justified and arranged via the alarm centre.
Repatriation of remains
Covered
Organizing and covering the cost of transporting the deceased back to the Netherlands (or place of residence) in the event of death during the trip.
Pre-existing medical conditions
No limit stated
Not addressed for the medical expenses cover in the available sources.
Winter sports cover
Optional
Optional add-on for winter sports activities, selectable during the online application or added later via customer service; when selected, rented ski/snowboard equipment (skis, poles, boots, bindings, stoppers) is covered as part of the baggage cover.
Personal liability
No limit stated
Not part of this product; ACSI sells a separate standalone liability insurance product. The travel policy only covers damage caused to the holiday accommodation, not third-party personal liability.
Legal assistance
Covered
Legal assistance is listed as part of the standard continuous travel insurance, alongside medical costs, baggage, money/cheques, 24/7 assistance and repatriation.
24/7 assistance
Covered
A 24/7 alarm centre (Ansvar Alarmcentrale) is reachable at +31 70 314 53 53 for emergencies during the trip.
Key conditions
Assistance call deadline
No specific call-in time deadline (e.g. number of hours) is stated; however, for medical emergencies, repatriation and unforeseen extra costs, prior contact with and approval from the ACSI/Ansvar alarm centre is required before costs are incurred.
Unauthorized treatment
Reasonable unforeseen and necessary extra travel/accommodation costs are only reimbursed if they were made in consultation with, and with approval of, customer service or the alarm centre; costs incurred without this approval risk non-reimbursement.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specified in the available sources.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Not specified for the medical expenses cover in the available sources.
Coverage duration limit
Maximum continuous trip duration depends on the chosen tier: Basis up to 60 days, Comfort up to 90 days, Optimaal up to 180 days. If an unforeseen circumstance beyond the traveler's control forces a longer stay, cover may continue under conditions until return home is possible.
Documents
Underwriter's general policy wording (Model V.601.1011) referencing the same +31 70 314 53 53 alarm centre used by ACSI's travel insurance; not an ACSI-branded document
Other document
Policy specifics
Supplementary medical expenses coverage
Emergency medical treatment costs covered as supplement to Dutch health insurance, including costs exceeding Dutch tariffs
SourceMaximum continuous travel duration per trip
Three coverage tiers with different maximum continuous trip durations: Basic 60 days, Comfort 90 days, Optimal 180 days
SourceMedical repatriation coverage
Return transport to Netherlands for serious illness or injury if medically justified and arranged by alarm center; includes cost of medical escort if needed
SourceBaggage coverage with item limits
Loss, damage, or theft of baggage with maximum coverage amounts varying by coverage tier; specific limits for certain items like mobile phones, glasses, jewelry, bicycles
SourceAccident death and permanent disability coverage
Optional coverage for death or permanent disability resulting from accidental injury during travel; coverage amounts vary by tier
SourceNatural disaster forced stay costs
Coverage for extra costs due to natural disaster causing forced delay, up to €450
SourceOptional trip cancellation coverage
Optional add-on coverage for trip cancellation; not included in base coverage; must be selected during online application or added by customer service
SourceOptional winter sports coverage
Optional add-on for winter sports activities; includes rented ski equipment (skis, poles, boots, bindings, stoppers) as part of baggage when selected
SourceGeographic coverage tiers
Choice between Europe-only coverage or World coverage for medical expenses and other benefits
SourceDutch health insurance requirement
Medical expense coverage is supplementary to Dutch basic health insurance; insured must have valid Dutch health insurance
SourceAlarm center coordination requirement
For certain benefits (especially medical emergencies, repatriation, exceptional costs), advance contact with and authorization from ACSI alarm center is required
SourceContinuous travel duration condition
Coverage conditions include respect for maximum continuous travel duration based on selected tier (60/90/180 days); exceeding limit without unforeseen force majeure may invalidate coverage
SourcePolice report requirement for theft/loss
For theft, loss, or certain damage claims, a police report must be filed within 24 hours of discovery and an official report obtained
SourceNetherlands coverage requirement
In Netherlands, coverage only applies if there is a paid and pre-booked overnight stay; day trips within Netherlands are covered if part of broader trip
SourceSupplementary medical coverage principle
Medical expense coverage is supplementary only; ACSI covers costs above Dutch health insurance reimbursement and covers the policyholder's health insurance excess
SourceMedical necessity condition for repatriation
Medical repatriation coverage requires that return to Netherlands is medically justified and must be arranged through ACSI alarm center
SourceSources
- https://insurances.acsi.eu/verzekeringen/doorlopende-reisverzekering/
- https://www.acsi.eu/nl/verzekering/doorlopende-reisverzekering/
- https://www.acsi.eu/nl/verzekeringen/artikelen/medische-kosten-reisverzekering/
- https://www.acsi.eu/nl/verzekeringen/artikelen/repatriering-verzekering/
- https://www.acsi.eu/nl/verzekeringen/artikelen/voordelen-reisverzekering/
- https://www.acsi.eu/nl/verzekeringen/veelgestelde-vragen/