Centraal Beheer Travel insurance (Doorlopende Reisverzekering)

Optional add-on module covering extra healthcare costs abroad on top of the standard Dutch healthcare tariff, additional to the mandatory Dutch health insurance. The statutory (mandatory) deductible of the health insurance is reimbursed; the voluntary deductible is not. Only covered if the insured is also insured with a Dutch health insurer, and the need for care arose unexpectedly during the trip.

Treatment prescribed by a doctor recognised by the authorities of the country visited is reimbursed at cost, per insured per trip, only during the trip (no follow-up treatment in the Netherlands). Paramedical treatment is not reimbursed.

Hospital nursing/admission costs are reimbursed at cost price, provided the hospital is recognised by the authorities of that country. Crutches, a wheelchair or a brace are reimbursed up to €250; no other aids are reimbursed.

Examinations prescribed by a doctor or dentist, and medicines or dressing materials they prescribe, are reimbursed at cost price. No fixed maximum amount is stated in the policy for this item.

Treatment prescribed by a dentist recognised by the authorities of the country visited is reimbursed up to €500 per insured per trip, only during the trip (no follow-up treatment in the Netherlands). Prescribed emergency solutions such as a temporary crown are reimbursed at the rate of Dutch health insurers.

Transport to and from a hospital when the insured is ill or has had an accident, and transport to another hospital if medically necessary, is reimbursed at cost price, only during the trip and only abroad.

Included as standard in the mandatory Personenhulp base module: if the insured has medical problems abroad or in the Netherlands, Centraal Beheer arranges and pays the return trip, extra costs of public transport or flights (including for an accompanying dog/cat), necessary extra accommodation costs, hospital-visit travel costs for travel companions, and extra travel/accommodation costs for a person who accompanies/cares for the insured. General per-event caps apply for accommodation (€75/insured/day) and own-vehicle travel (€0.24/km).

Included as standard in the mandatory Personenhulp base module: if the insured dies abroad, transport of the body to the Netherlands (including the coffin used) is covered, or alternatively burial/cremation abroad plus travel and up to 3 days' accommodation costs for close family from the Netherlands, capped at the cost that repatriation to the Netherlands would have been.

Included as standard in the mandatory Personenhulp base module: costs of search and rescue by, or under the direction of, an official rescue organisation, including transport to civilisation. Medically necessary rescue transport caused by winter/water sports is only covered if the optional Winter- and Watersports extension has been added.

Not addressed as a distinct coverage item in the Personenhulp or Medische kosten modules. A large-scale epidemic (WHO alarm phase 5+) is mentioned only as an exclusion for cancellation and visa cover, which is a different subtype.

Costs and assistance are excluded if the insured knew, or could have known, before departure that he would need extra help or incur medical costs during the trip, for example because of an existing illness or a trip undertaken specifically to receive treatment.

Optional 'Winter- and onderwatersport' extension. Covers unforeseen costs of no longer being able to do winter sports (e.g. return flight with plaster cast, extra travel/accommodation costs during hospitalisation) and costs of ski passes, ski/snowboard hire, lessons and pole/boot hire if illness or an accident stops the insured skiing. Off-piste skiing is covered only under supervision of a certified instructor/guide and only if no avalanche warning is in force; competitions/training and a list of 'extreme' winter sports (e.g. heli-skiing, bobsleigh, ski-jumping) are excluded. Medical costs from winter sports are only covered if the separate Medische kosten op reis module is also taken. Langlaufen, ice-skating and snorkelling do not require this extension.

Diving ('onderwatersport') is covered under the same optional 'Winter- and onderwatersport' extension as winter sports, covering unforeseen costs from being unable to dive and hire of diving equipment/lessons if illness or an accident stops the insured diving. A defined list of 'extreme' sports/activities is excluded and medical costs still require the separate Medische kosten op reis module.

Not addressed in the Personenhulp or Medische kosten op reis (travel medical) modules. Pregnancy is only mentioned as a ground for trip cancellation cover (Annulering), which is a different product subtype and out of scope here.

Not a module of this travel insurance product; liability abroad is covered under a separate Dutch personal liability insurance (AVP), not under this policy.

Not a covered benefit of this travel product. Achmea Rechtsbijstand is referenced only in the general terms' complaints chapter (where to send a complaint about a legal-aid file), not as legal-expenses cover under this policy.