ASR Nederland N.V.

Assistance call deadline

You must have a valid Dutch health insurance and request prior authorization from the Alarm Centre before incurring costs or seeking assistance.

Unauthorized treatment

Not specified with an exact penalty amount in the reviewed sources; failure to request authorization from the Alarm Centre before incurring medical costs risks non-reimbursement.

Purchase while abroad

Not specified in the reviewed sources for this continuous policy.

Chronic conditions

Damage or costs from an illness or condition already being treated before the trip, or when travel abroad is (also) undertaken specifically for treatment of it, are excluded.

Pregnancy

Not specified in the reviewed sources for this product.

Pre-existing condition exclusions

Medical costs are only covered if the need for treatment arose unexpectedly during the trip and was not foreseeable when departing; pre-existing/known conditions are excluded.

Coverage duration limit

Each trip may last a maximum of 60 consecutive days by default (standard cover); extension to 90 or 180 days is possible.

Medical expenses optional coverage (Geneeskundige kosten)

Optional add-on coverage for emergency and unexpected medical treatment costs abroad, supplementary to base health insurance

Emergency repatriation and return assistance

Coverage for emergency transport to Netherlands due to serious illness, accident, death, or family circumstances requiring early return

Baggage damage/loss/theft coverage (optional)

Optional add-on for damage, loss, or theft of baggage and travel documents; uses depreciation table for valuation

Trip cancellation / Trip cancellation guarantee (optional)

Optional coverage for cancellation costs before departure or trip interruption due to unforeseen events; must be purchased within 7 days of booking

Winter sports coverage (Skiën en snowboarden)

Optional add-on coverage for skiing and snowboarding activities abroad

Medical expenses sub-limits

Medical costs and baggage are standard included in the base package; follow-up treatment taking place in the Netherlands is capped at €1,000 per insured per trip, and dental follow-up treatment is capped at €350 per insured per trip.

Valid Dutch health insurance required

Policyholder must maintain valid basic Dutch health insurance (zorgverzekering) for travel medical coverage to apply

Alarm Centre authorization for medical costs

For medical expenses coverage, policyholder must seek advance authorization from ASR Alarm Centre before incurring costs or seeking treatment

Maximum trip duration standard

Standard continuous travel insurance covers trips up to 60 consecutive days; extension to 90 or 180 days available

Netherlands residence requirement

Policyholder must reside in Netherlands (registered in municipal population register) for continuous travel insurance

Medical coverage unforeseen circumstances only

Medical expenses only covered if treatment need arose unexpectedly during trip; not for pre-existing conditions or planned treatment

Coverage scope: Europe or Worldwide

Policyholder chooses coverage area: Europe (including Cyprus and Mediterranean non-EU countries) or worldwide coverage

Dangerous sports exclusion

Damage from dangerous sports (ice hockey, speed skiing, solo sailing) not covered unless specific sports coverage purchased