Avéro Achmea ParticulierOpZeker
Avéro Achmea ParticulierOpZeker is a travel insurance for the NL market with no online purchase and 24/7 assistance.
Direct payment
Avéro Achmea can pay medical costs directly to the treating physician, dentist, or hospital. The insured must contact the alarm center as soon as possible, follow their instructions, and submit all invoices and payment receipts. In case of hospitalization, the alarm center must be notified in advance or within one week.
Geographic scope
NL
Europa (inclusief Azoren, Canarische Eilanden, Madeira, Algerije, Egypte, Israël, Libanon, Libië, Marokko, Syrië, Tunesië, Turkije; exclusief Bonaire, Sint Eustatius en Saba) of wereldwijd, afhankelijk van keuze op verzekeringsbewijs
Unique selling points
- The base travel package includes personal assistance (Personenhulp) and baggage coverage with no deductible, covering trips up to 60 consecutive days in Europe, including voluntary work and internships.
- The 24/7 alarm center (Eurocross Assistance, +31 71 36 41 333) arranges medical repatriation, replacement drivers, and emergency services directly, with telephone contact costs reimbursed up to €300 per trip.
- The travel medical add-on covers emergency medical expenses abroad supplementary to Dutch health insurance at foreign tariff rates, including hospital inpatient care and transport to hospital, with no separate deductible on the travel policy for emergency treatments.
- The coverage period per trip can be extended from the standard 60 days up to 180 or 365 consecutive days, and the territorial scope can be extended from Europe to worldwide, making it suitable for long-term travellers.
- The insurance is part of the ParticulierOpZeker package, allowing personal and tailored advice through an independent advisor, combining up to 12 insurance products for home, vehicle, leisure and travel with fair individual pricing and no package discounts.
Coverage limits
Medical expenses abroad (Geneeskundige kosten)
Optional
Optional add-on covering emergency medical treatment costs abroad that exceed what the Dutch basic health insurance (Basiszorgverzekering) covers. Covers treatment by a government-recognised physician or dentist, prescribed diagnostics, prescribed medicines, transport to/from hospital, inpatient hospital care, and emergency dental solutions up to €500. The insured must also hold a valid Dutch health insurance policy. Coverage applies only during the trip; no follow-up treatment in the Netherlands is covered.
Emergency medical treatment abroad
Optional
Covers emergency treatment by a government-recognised physician that cannot be postponed until the insured returns to the Netherlands, arising from an unexpected event during the trip. The insured must have Dutch health insurance; only costs exceeding the Dutch health insurance tariff are reimbursed. Treatment in a private clinic is only covered with prior approval from the alarm center.
Hospital inpatient care abroad
Optional
Inpatient care in a government-recognised hospital abroad is covered under the medical expenses add-on, as part of the overall medical expenses coverage. The insured must notify the alarm center before or within one week of admission. No specific sub-limit stated; covered as part of the general physician medical expenses coverage per insured per trip.
Outpatient treatment abroad
Optional
Outpatient treatment by a government-recognised physician or dentist, including prescribed diagnostics, medicines and dressings, is covered under the medical expenses add-on. No separate sub-limit; covered within overall medical expenses per insured per trip. Dental treatment is limited to €500 per insured per trip.
Emergency dental treatment
Optional
Emergency dental treatment and temporary solutions (e.g. emergency crown) prescribed by a dentist are covered up to €500 per insured per trip, reimbursed at Dutch health insurer tariff rates. No follow-up dental treatment in the Netherlands is covered.
Medical transport to/from hospital
Optional
Transport to and from the hospital is covered under the medical expenses add-on when the insured is ill or has had an accident. Transport to another hospital is also covered if medically necessary and only during a foreign holiday. No separate monetary limit stated; covered within the overall medical expenses coverage.
Medical evacuation / repatriation to the Netherlands
Covered
Costs of medically necessary return transport to the Netherlands are covered under the base Personenhulp (personal assistance) coverage, arranged by the alarm center. This includes medical escort on the return journey. Coverage is unlimited in the sense that the alarm center arranges and covers the actual costs of the return journey as required. Not part of the medical expenses add-on.
Repatriation of remains
Covered
Transport of the deceased to the Netherlands, including the transport coffin, is covered under the base Personenhulp coverage. Alternatively, costs of burial or cremation at the destination and travel/accommodation costs for close family (1st and 2nd degree) from the Netherlands (round trip, max. 3 days accommodation) are covered. The maximum is limited to the cost of transporting the deceased back to the Netherlands.
Search and rescue costs
Covered
Costs of search and rescue by or under the direction of an official organisation, including transport to the inhabited world, are covered under the base Personenhulp coverage and also under the winter/water sports extension. No monetary sub-limit stated for base coverage.
COVID-19 treatment
Conditional
COVID-19 treatment may be covered as an unexpected illness under the medical expenses add-on, provided the insured meets all conditions: the illness is unexpected, the insured holds Dutch health insurance, and prior alarm center contact is made. No explicit COVID-19 clause exists in the source documents; coverage follows general medical expenses rules.
Pre-existing conditions
Excluded
Medical costs are not covered if the insured knew or should have known in advance that medical expenses would be incurred during the trip. This explicitly includes pre-existing illnesses or conditions and travel undertaken for the purpose of receiving treatment. Only new or unexpectedly worsened complaints arising after booking are potentially covered.
Winter sports coverage (medical costs)
Optional
Medical costs arising from winter sports (skiing, snowboarding) are not covered by default under the medical expenses add-on. They can be covered by additionally purchasing the 'Winter- en onderwatersport' extension alongside the medical expenses coverage. Cross-country skiing (langlaufen), skating and snorkelling are included without the extension. Extreme winter sports and off-piste skiing without a certified guide/instructor are always excluded.
Underwater / adventure sports coverage
Optional
Diving and other underwater sports medical costs are not covered by default; the 'Winter- en onderwatersport' extension must be purchased. Extreme sports forms (e.g. heli-skiing, speed skiing, ice climbing, etc.) are always excluded. Other adventure sports are covered under general medical expenses rules as long as they do not fall under the explicitly excluded categories.
Pregnancy complications
Conditional
Medical complications of pregnancy that are so serious that the insured cannot travel or cannot continue travelling may be covered under the medical expenses add-on, provided the complication is unexpected and arose after the trip was booked. Routine pregnancy care and planned interventions are not covered. Under the cancellation coverage, pregnancy complications are separately a covered cancellation reason.
Personal liability during travel
Excluded
Personal liability is not covered under this travel medical product (Doorlopende Reis - Geneeskundige kosten / Personenhulp en Bagage). It is not mentioned in any of the three source policy documents. A separate liability insurance (aansprakelijkheidsverzekering) would be required.
Legal assistance during travel
Excluded
Legal assistance is not covered under the travel medical, personal assistance or baggage components described in the source policy documents. A separate legal assistance insurance would be required.
24/7 alarm center assistance
Covered
The Avéro Achmea alarm center (Eurocross Assistance, reachable at +31 (0)71 36 41 333) provides 24/7 assistance including arranging transport, medical escort on return, advice, and sending medical supplies (postage costs covered). Telephone costs for contacting the alarm center during travel are reimbursed up to €300 per trip. Assistance is provided at the destination as far as the safety situation allows.
Key conditions
Assistance call deadline
The insured must contact the alarm center immediately when help is needed and follow their instructions. For hospitalization, the alarm center must be notified in advance or, if not possible, within one week. For other costs, notification must occur as soon as possible, and in any case within 2 weeks. If prior approval was not possible to obtain, the insured must be able to prove this; costs reimbursed are then limited to what the alarm center would have arranged in the same situation.
Unauthorized treatment
If the insured obtains medical treatment without prior alarm center approval and cannot prove that prior approval was impossible, costs may not be reimbursed or may be limited to what the alarm center would have arranged in an equivalent situation (2nd class transport or economy class flight). The alarm center may also require the insured to see a jointly chosen physician.
Purchase while abroad
The medical expenses add-on (Geneeskundige kosten) is not available for purchase while already abroad; it must be part of an existing continuous travel insurance policy (doorlopende reisverzekering). The policy must have been taken out before the trip started. Changes to coverage while abroad are generally not possible.
Chronic conditions
Chronic diseases are not explicitly addressed by name in the policy. However, pre-existing conditions or known illnesses are excluded: the insured must not have known or been able to foresee that medical expenses would arise during the trip. This effectively excludes coverage for flare-ups of chronic conditions that were already known at the time of booking.
Pregnancy
Pregnancy itself is not covered as a medical expense unless unexpected complications arise that prevent travel or require emergency treatment that cannot be postponed. The insured must not have known at the time of booking that medical treatment would be needed. Under the cancellation coverage, an insured who discovers a pregnancy after booking can cancel with coverage. Routine antenatal care is not covered.
pre_existing_conditions
Pre-existing conditions are explicitly excluded. If the insured had a pre-existing illness or condition, or traveled with the intention of receiving treatment, all related medical costs are excluded. Only unexpected new complaints or unexpected worsening of a condition after the trip was booked may potentially qualify, and only if the treatment cannot be postponed until return. The insured bears the burden of proving the unexpected nature of the condition.
coverage_duration_limit
The standard insured travel period is a maximum of 60 consecutive days per trip, unless a longer period is stated on the insurance certificate. Extensions to 180 or 365 consecutive days are available as optional upgrades. If the insured unexpectedly needs to stay longer and cannot leave, coverage continues until the insured is back home, provided they return as soon as possible.
Documents
Voorwaarden Doorlopende Reis - Geneeskundige kosten DLR-BV-51-231 (Januari 2023)
terms_and_conditions
Voorwaarden Doorlopende Reis - Personenhulp en Bagage DLR-BV-50-241 (Januari 2024)
terms_and_conditions
Voorwaarden Doorlopende Reis - Annulering DLR-BV-52-241 (Januari 2024)
terms_and_conditions
IPID / Verzekeringskaart Doorlopende Reisverzekering Avéro Achmea ParticulierOpZeker
ipid
Overzicht alle Avéro Achmea ParticulierOpZeker voorwaarden (productpagina)
other
Policy specifics
Medical expenses on travel
Optional addon covering emergency medical treatment costs abroad beyond Dutch health insurance coverage, limited to foreign tariff costs
Winter and water sports medical costs
Medical costs from winter sports or diving activities are only covered if separate winter/water sports coverage is purchased alongside medical expenses coverage
Post-trip treatment coverage
Medical follow-up treatment in Netherlands after travel is covered up to 365 days after initial treatment if first consultation occurred during trip
Pre-existing knowledge exclusion
Costs for medical treatment that the insured knew in advance would be needed during the trip are excluded from coverage
Alarm center approval requirement
Most medical treatments and emergency services must be pre-approved by Achmea alarm center; treatment without approval may not be covered unless genuinely unavoidable
Dutch health insurance requirement
Geneeskundige kosten coverage (medical expenses addon) is only available if policyholder maintains valid Dutch basic health insurance
Dutch tariff comparison basis
Medical cost reimbursement is based on actual cost minus what Dutch health insurance would cover (Dutch tariff), then reimburses excess foreign costs
Medical repatriation to Netherlands
Transport costs to return to Netherlands for medical reasons (severe illness, injury, or emergency requiring specialized care in NL) are covered under assistance, not medical costs coverage