Allianz Nederland Groep N.V.

Assistance call deadline

Emergencies must be reported as soon as possible: death within 24 hours (phone/e-mail), hospitalization over 24 hours within 7 days of admission, all other claims within 28 days of first returning to the Netherlands (extendable to 180 days for valid reasons).

Unauthorized treatment

Evacuation, repatriation and related transport must be arranged and pre-authorized via the assistance centre; if transport is not approved/arranged by Allianz in advance, reimbursement is limited to what Allianz would have paid had it arranged the transport itself.

Purchase while abroad

Not specifically addressed; the policy only insures Dutch residents registered in the Basisregistratie Personen (BRP) who actually live in the Netherlands, and cover begins on the inception date shown on the policy schedule.

Chronic conditions

Not addressed as a separate category; chronic conditions fall under the general exclusion for damage, conditions or events already known, foreseeable or expected when the policy was taken out or the trip was booked.

Pregnancy

Normal pregnancy or delivery without complications is excluded, except where explicitly listed as an insured event under Cancellation or Interruption cover (e.g. discovering pregnancy after taking out the policy, or medically established complications).

Pre-existing condition exclusions

General exclusion 1 excludes any damage, condition or event that was already known, foreseeable or to be expected at the time the policy was taken out or the trip was booked.

Coverage duration limit

Standard maximum trip duration is 60 consecutive days unless a different number of days is stated on the policy schedule; if a covered event causes this to be exceeded, cover is automatically extended until return or admission to a medical facility becomes possible.

Medical expenses abroad

Coverage for medical costs incurred during travel outside the Netherlands, including hospital visits, medical treatment, and emergency care

SOS Assistance and Emergency Support

24/7 emergency assistance service for medical emergencies, repatriation coordination, and support to family members at home

Medical repatriation and evacuation

Coverage for emergency medical transportation back to the Netherlands, including ambulance flights and medical escorts if needed

COVID-19 quarantine and pandemic coverage

Coverage for extra travel and accommodation costs if quarantined due to COVID-19 infection during trip

Extra costs due to quarantine

If quarantine due to a contagious, epidemic or pandemic disease (e.g. COVID-19) causes trip delay or interruption, extra travel and accommodation costs are reimbursed under the Delay and Interruption covers, subject to specific individual-quarantine conditions.

Maximum trip duration per journey

Coverage is limited to consecutive trip duration; default maximum is 60 days per journey, extendable to 180 days by request

Pre-existing medical conditions

Medical conditions diagnosed or treated within 120 days before policy start are typically excluded unless declared or explicitly waived

Assistance centre authorization requirement

Medical treatment and evacuation must be authorized and arranged in advance through Allianz assistance centre; unauthorized treatment may result in reduced or denied reimbursement

Coverage territory (Europe or Worldwide)

Policyholder chooses coverage region at inception: Europe/Mediterranean or Worldwide. Default is typically Worldwide for continuous policies

Premium payment required before coverage becomes effective

Full premium must be paid before policy inception date; coverage does not begin until payment is received and processed