Ansvar Insurance Company N.V.

Assistance call deadline

For hospitalization, accident, illness, forced early return or vehicle breakdown, the Ansvar Alarm Centre must be contacted as soon as possible, and in principle before extra costs are incurred; costs made without prior approval are not reimbursed.

Unauthorized treatment

Extra unforeseen costs (extra reis- en verblijfkosten, private clinic treatment, vehicle hire, etc.) are only reimbursed if made in consultation with and with prior approval of Ansvar or the Ansvar Alarm Centre; unapproved costs are excluded.

Purchase while abroad

Not explicitly addressed in these terms; the policy requires the policyholder to have a permanent residence in the Netherlands and be registered in a Dutch population register.

Chronic conditions

No cover for costs related to an illness, condition or disorder for which the insured was already under treatment abroad before the trip started, or that already existed or caused complaints before departure.

Pregnancy

Not specifically addressed within the medical expenses terms; pregnancy is only referenced as a possible reason for trip cancellation or early return cover.

Pre-existing condition exclusions

Costs of an illness or condition known or symptomatic before departure, or for which treatment abroad was already planned, are excluded; treatment in the insured's own country of nationality for a pre-existing condition is also excluded.

Coverage duration limit

Cover applies for a maximum of 60 (Basis), 90 (Comfort) or 180 (Optimaal) consecutive travel days; if this period is exceeded due to unforeseen delay beyond the insured's control, cover continues until the earliest possible return.

Baggage coverage

Coverage for loss, theft, or damage to luggage and personal belongings during travel

Trip cancellation

Optional coverage for cancellation costs if booked trip must be cancelled or cut short due to unforeseen circumstances

Accidental death and disability

Optional coverage providing lump sum payment for permanent disability or death from accident during travel

Personal assistance

24/7 emergency assistance via Ansvar Alarm Center for illness, accident, or death of self, travel companion, or immediate family

Winter sports and special sports

Optional add-on coverage specifically for skiing, snowboarding, and other winter sports or high-risk activities

Rented holiday accommodation liability

Covers damage the insured is liable for to a rented holiday accommodation, its inventory or a hired safe/key, above a €25 threshold

Primary health insurance requirement

Medical expense coverage only applies if insured has valid primary Dutch health insurance; coverage is supplementary only

Negative travel advisory exclusion

Coverage excluded if destination has negative travel advisory (code orange/red) from Dutch Ministry of Foreign Affairs at time of booking

Trip duration limit

Coverage limited to trips of maximum 60, 90, or 180 days depending on package variant chosen (Basis, Comfort, Optimaal)

Netherlands domestic overnight stay requirement

Within Netherlands, coverage only applies if trip includes at least one paid overnight stay or period exceeding 24 hours

Alcohol and drug-related exclusion

Damage caused while under influence of alcohol, drugs, or medications is not covered

Mandatory alarm center notification

Immediate notification of Ansvar Alarm Center required for hospital admission, accidents, illness, forced early return, or vehicle breakdown

Business travel restriction

Damage arising during business travel is excluded from standard personal travel insurance coverage