Allianz Direct Travel insurance (Doorlopende Reisverzekering)

Optional module ('Keuze: medisch'). If selected (Comfort or Premium tier), the necessary and reasonable costs of emergency medical/dental treatment abroad are reimbursed on top of the Dutch basic health insurance, including the mandatory deductible. Not available at Basic (n.v.t.).

For emergency medical treatment received in the Netherlands during a trip, Comfort and Premium reimburse up to €1,000; not available at Basic.

If hospital admission is required, Allianz Direct can guarantee or advance payments up to the maximum reimbursement applicable under Medical Costs. Only available if the medical module (Comfort/Premium) is chosen; not available at Basic.

Follow-up treatment costs incurred in the Netherlands after returning from a trip: €500 at Comfort, €1,000 at Premium; not available at Basic.

Emergency dental costs abroad or in the Netherlands: €300 at Comfort, €600 at Premium; not available at Basic.

Necessary costs of medically necessary transport by taxi, ambulance or air ambulance to the nearest hospital; only covered if the medical module (Comfort/Premium) is chosen, not available at Basic.

Base SOS Hulpverlening cover (all tiers): necessary costs of transport to the nearest suitable medical facility if local facilities cannot provide adequate care, arranged and approved in advance by the Alarmcentrale.

Base SOS Hulpverlening cover (all tiers): necessary costs of transporting the deceased's remains to a funeral home near the home address, or one of the policyholder's choice in the country of residence.

Base SOS Hulpverlening cover (all tiers): reasonable and customary costs of search or rescue by a professional team if reported missing or requiring rescue from an emergency, up to €1,000,000.

Epidemic/pandemic illness (incl. COVID-19) is explicitly not excluded under SOS Hulpverlening, Medical Costs or Annulering: base SOS assistance (evacuation, repatriation) applies at all tiers, while treatment cost reimbursement only applies if the medical module (Comfort/Premium) is chosen.

Damage, a condition or an event that was already known, foreseeable or to be expected at the time the insurance was taken out is never covered (general exclusion: 'voorziene omstandigheden').

Optional add-on module ('mits gekozen'). If selected, sports equipment is covered under Baggage terms up to €350 (Basic) / €500 (Comfort) / €750 (Premium); rental of replacement equipment same limits; missed prepaid sports activities up to €500 at all tiers. Recreational diving, cross-country skiing, ice-skating and sledding are included by default and not treated as higher-risk sports.

Combined with Winter Sports under one optional module. Covers higher-risk sports (e.g. hunting, alpinism, climbing sports, abseiling, caving, bungee jumping, skydiving, paragliding, ice climbing, deep diving beyond 40m) if explicitly selected; sports equipment and rental limits identical to the winter sports module (€350-€750 depending on tier).

Normal pregnancy or delivery without complications is excluded. However, discovering a pregnancy after taking out the policy, or medically confirmed pregnancy complications, is a covered reason for trip cancellation or interruption under the Annulering module, up to the applicable tier limit (€1,500 Basic / €2,500 Comfort / €3,500 Premium per person per insurance period).

If you are held liable for damage to rented accommodation (including a rented safe) during the trip, this is reimbursed up to €500. Only available at Premium tier of the continuous travel policy (n.v.t. at Basic/Comfort). Official proof of liability is required.

Legal assistance provided by DAS for travel-related disputes. Within Europe: necessary costs (kostprijs) are covered; outside Europe (if Worldwide cover is chosen): up to €50,000, with a €5,000 sub-limit for an externally chosen legal helper's fees where no mandatory legal representation applies, plus up to €12,500 for advancing bail/security. Only included at Premium tier of the continuous travel insurance (n.v.t. at Basic/Comfort); a €250 deductible applies when an external legal helper is engaged.