a.s.r.
a.s.r. is a travel insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
Medical costs are reimbursed as a supplement to the mandatory Dutch basic health insurance (zorgverzekering); ASR reimburses only what the Dutch health insurer does not or does not fully reimburse. All assistance must be coordinated through the Alarm Centre (SOS/Alarmcentrale, tel. +31 30 256 77 77) in advance; direct payment to providers is arranged through the Alarm Centre.
Geographic scope
NL
Europa (inclusief niet-Europese Middellandse Zee-landen) of Werelddekking; keuze op polisblad
Unique selling points
- Fully modular 'Ik kies zelf' structure lets policyholders activate or deactivate individual coverage modules (medical costs, baggage, sports, cancellation, etc.) online at any time, rather than choosing between fixed tiers.
- Trip duration extendable up to 180 consecutive days per trip, significantly above the typical 60-day market standard, making the product suitable for long-term travellers and gap-year travellers.
- Sledging, ice skating, cross-country skiing and diving are covered as standard without requiring the sports add-on, unlike many competitors who charge extra for any snow or water sports.
- 24/7 Alarm Centre (tel. 030 256 77 77) coordinates all emergency assistance abroad including medical evacuation, repatriation and search-and-rescue, with unlimited reimbursement of Alarm Centre call costs.
- Premium is invested by a.s.r. as sustainably as possible in line with its responsible investment policy, and multi-policy discounts of up to 10% are available when combining with other a.s.r. products.
Coverage limits
Medical expenses (Geneeskundige kosten)
Optional
Optional add-on coverage (Keuzedekking Geneeskundige kosten) covering costs of medical or dental treatment that must be urgently undergone during travel, including doctor visits, hospital admission, surgery, prescribed medications, transport to nearest treatment facility, and first prostheses/crutches after an accident. Covers treatment abroad and in the Netherlands, and necessary follow-up treatment in the Netherlands within 365 days. Coverage is supplementary to the mandatory Dutch basic health insurance and applies only to costs not (fully) reimbursed by Dutch health insurance. Emergency dental treatment covered up to €350 per insured per trip. Medical treatment in the Netherlands reimbursed up to €1,000 per insured per trip. Alarmcentrale prior approval required.
Emergency medical transport and repatriation assistance (Basisdekking)
Covered
Included in the base coverage: necessary costs of sick transport to the Netherlands including necessary (medical) escort, determined jointly by the Alarm Centre and the treating physician abroad. Air ambulance costs covered only if it saves the insured's life or prevents/reduces permanent disability. Hospital visit travel costs for fellow travellers reimbursed up to €250 per trip for all insured together.
Hospitalisation (in-patient treatment)
Optional
Covered under the optional Keuzedekking Geneeskundige kosten. Hospital admission and surgery costs reimbursed at the nursing class for which the insured is covered in the Netherlands at the time of the event. Treatment in the Netherlands reimbursed up to a maximum of €1,000 per insured per trip. Follow-up treatment in the Netherlands also up to €1,000 per insured per trip within 365 days.
Outpatient / GP treatment
Optional
Covered under optional Keuzedekking Geneeskundige kosten: doctor visits, examinations, prescribed treatments and medications. No separate sublimit stated for outpatient treatment; subject to the overall medical expenses coverage conditions. Costs must be medically necessary and treatment abroad cannot be postponed until return to the Netherlands.
Emergency dental treatment
Optional
Covered under optional Keuzedekking Geneeskundige kosten: dental treatment (dentist fees, examinations, prescribed medications/dressings, X-rays) and necessary follow-up treatment in the Netherlands, Belgium or Germany. Dental follow-up only covered if treatment was necessitated by an accident and costs incurred within 365 days of accident. Maximum €350 per insured per trip for all treatments combined.
Medical transport to nearest facility
Covered
Under both the base coverage and the optional medical expenses coverage: transport to the nearest place where medical treatment can be obtained and back, provided transport takes place in the country where the insured was present at the start of transport. No monetary sublimit stated for this transport within the applicable coverage module.
Medical evacuation / repatriation to the Netherlands
Covered
Included in base coverage: necessary costs of medical transport (including air ambulance) back to the Netherlands, with necessary medical escort. Air ambulance costs covered only if it saves the insured's life or prevents/reduces permanent disability. The Alarm Centre together with the treating physician determines whether medical return is necessary.
Repatriation of remains
Covered
Included in base coverage: costs of transporting the body to the Netherlands, OR costs of burial/cremation abroad (plus travel and return costs for first- and second-degree relatives and housemates, up to the amount it would have cost to transport the body to the Netherlands).
Search and rescue costs
Covered
Included in base coverage: necessary costs of search, rescue and/or recovery. Only covered if performed by a competent authority engaged by the Alarm Centre.
COVID-19 treatment
Conditional
Not explicitly named as a separate coverage. COVID-19 may be covered under the optional Keuzedekking Geneeskundige kosten as an acute illness requiring sudden medical treatment during travel, subject to the same conditions (prior approval by Alarm Centre, supplementary to Dutch health insurance, treatment must be urgent and cannot wait until return). Pre-existing known COVID-19 conditions or travel specifically for COVID treatment would be excluded.
Pre-existing conditions
Excluded
Explicitly excluded: damage arising from a disease, condition or abnormality for which the insured (also) travelled abroad for treatment, or for which the insured was already under treatment abroad before the start of the trip. Coverage applies only if the damage did not arise from the pre-existing disease, condition or abnormality.
Winter sports cover (Sporten en wintersport)
Optional
Optional add-on (Keuzedekking Sporten en wintersport): covers damage arising from winter sports (snow/ice sports), mountain sports, air sports, high-risk water sports and other high-risk sports. Sledging, skating and cross-country skiing are covered by default without this add-on. Also covers mountain/winter sports equipment (incl. hired) up to €3,000 per insured per trip, max €6,000 per policy per trip. Unused pre-paid ski passes, ski lessons and hired ski equipment also covered if illness/accident prevents use.
Adventure / high-risk sports cover
Optional
Optional add-on (Keuzedekking Sporten en wintersport): covers mountain/climbing sports, air sports, high-risk water sports (e.g. rafting, canyoning, wild-water kayaking, race sailing at sea) and other high-risk sports (e.g. combat sports, rugby, cycling competitions, horse-racing/jumping). Ice hockey, freestyle ski jumping, speed skiing, winter sports competitions, sailing at sea in unseaworthy vessels, and solo sailing at sea are permanently excluded regardless of add-on.
Pregnancy complications (early return / cancellation)
Covered
Pregnancy complications during a trip entitle early return under the base coverage (event 3 in section 3.1: seriously ill or injured by accident). Complications during pregnancy are also explicitly listed as a ground for early return (section 3.10, voortijdige terugkeer event 7). Becoming pregnant is also a ground for trip cancellation (section 3.10, annulering event 14). Coverage for related medical costs requires the optional Keuzedekking Geneeskundige kosten.
Holiday accommodation liability (Schade vakantieverblijf)
Covered
Included in base coverage: covers damage (destruction or damage) to hired or provided holiday accommodation (and its furnishings) and to a hired safe/box that must be broken open due to lost key. Maximum €300 per event. Only covered if damage exceeds €25 (minimum threshold). Note: this is limited to holiday accommodation damage liability, not a broad personal liability insurance.
Legal assistance abroad
Excluded
Not covered under this travel policy. Legal assistance abroad is not mentioned as a coverage in the policy conditions (VP DR 2024-01). A separate legal assistance insurance (rechtsbijstandverzekering) would be required.
24/7 Alarm Centre assistance
Covered
Included in base coverage: 24/7 assistance via the Alarm Centre (tel. +31 30 256 77 77). The Alarm Centre coordinates all assistance including medical evacuation, search and rescue, and medical approvals. Telephone costs for contacting the Alarm Centre are reimbursed without limit. Other telephone costs related to an insured event are reimbursed up to €100.
Key conditions
Assistance call deadline
The insured must contact the Alarm Centre as soon as possible, if possible before costs are incurred, whenever abroad with a serious illness, serious accident or hospitalisation. Prior approval from the Alarm Centre is required for all assistance and cost-making. If no one can reasonably call the Alarm Centre, cover still applies up to the amount that would have been reimbursed had the Alarm Centre been engaged.
Unauthorized treatment
If costs are incurred without prior approval from the Alarm Centre, reimbursement is limited to the maximum that would have been paid had approval been obtained. Failure to comply with obligations that damages ASR's interests may result in no reimbursement.
Purchase while abroad
The policy must be in force before departure. The policy is a continuous (doorlopende) annual policy; it cannot be taken out after the start of a trip for coverage on that trip. Coverage is valid from the moment the insured leaves home for a trip until return to the home address, provided both departure and return fall within the policy term.
Chronic conditions
Chronic or pre-existing conditions that the insured was already being treated for abroad before the start of the trip are excluded. Medical costs that the insured knew before or at the start of the trip would need to be incurred are also excluded. If the damage did not arise from the pre-existing condition, coverage may still apply.
Pregnancy
Pregnancy complications during a trip are a covered ground for early return. Becoming pregnant (or a partner becoming pregnant) is a covered ground for trip cancellation. Medical costs related to pregnancy complications may be covered under the optional Keuzedekking Geneeskundige kosten, provided they are unexpected and medically necessary.
pre_existing_conditions
Not covered: damage arising from a disease, condition or abnormality for which the insured (also) travelled abroad for treatment, or for which the insured was already under treatment abroad before the trip. If the damage did not arise from the pre-existing condition, coverage may still apply. For the cancellation add-on: conditions known within 90 days before taking out the add-on are excluded.
coverage_duration_limit
The maximum trip duration is stated on the policy schedule: 60, 90 or 180 consecutive days. Coverage ends at 24:00 on the last day of the maximum trip duration. Coverage continues beyond the limit only if the trip is extended due to unforeseen delay beyond the insured's control, until the earliest possible moment of return home.
Where to buy
Policy specifics
Trip duration limit
Maximum continuous trip duration per journey: standard 60 days, extendable to 90 or 180 days
Family coverage
All family members living at same address can be insured; includes children not living at home if enrolled in Dutch population register
Travel advice exclusion (molest/conflict)
Travel to destinations with orange or red travel advice codes from Dutch Foreign Ministry is excluded from coverage
Baggage coverage
Coverage for baggage loss, damage or theft; can be extended up to €5,000 depending on coverage tier
Pre-existing condition exclusion
Not covered if illness or condition was known before travel or if traveling specifically for treatment
Alcohol and drug-related exclusions
Damage caused by misuse of alcohol, drugs, or improperly used medications is not covered
Dangerous sports exclusion
Damage from ice hockey, ski jumping, speed skiing, wintersports competitions, solo sailing at sea excluded by default
Proper care and maintenance requirement
Damage from insufficient care, negligent handling, or poor maintenance of baggage/vehicle excluded
Emergency alarm center coordination requirement
Medical expenses coordinated through SOS International emergency center; insured party contacts them for approval