Centraal Beheer (brand of Achmea Schadeverzekeringen N.V. / Achmea Pensioen- en Levensverzekeringen N.V.)

Assistance call deadline

The insured must contact the 24/7 alarm centre (+31 (55) 579 79 55) immediately for help and, in particular, before incurring any medical costs abroad. Costs must be reported as soon as possible and in any case within 2 weeks.

Unauthorized treatment

If the insured does not first contact the alarm centre, is treated in a private clinic without prior approval, or otherwise fails to meet the obligations in these terms to Centraal Beheer's detriment, the reimbursement can be reduced or refused.

Purchase while abroad

The policy terms do not explicitly address taking out this cover while already abroad. What is required is that the insured is registered at, and actually lives at, a Dutch address, and is insured with a Dutch health insurer. Someone who deregisters to go on a long trip stays insured for up to 365 days from the start of the trip only if that period is stated on the policy schedule; cover ends if the insured moves abroad or stays abroad longer than 1 year.

Chronic conditions

Costs relating to an illness, disorder or need for help that the insured already knew about, or could have known about, before departure (for example an existing illness) are excluded from both the Personenhulp and Medische kosten op reis cover.

Pregnancy

Pregnancy-related care is not addressed in the Personenhulp or Medische kosten op reis modules of this product; pregnancy is mentioned only as a ground for trip cancellation cover, a different subtype not covered by this extraction.

Pre-existing condition exclusions

Medical costs and assistance are not covered if the insured knew, or could have known, before the trip that he would need this help or would incur these costs, for example because of an existing illness or a trip undertaken specifically to receive treatment.

Coverage duration limit

A single trip is covered for a maximum of 60 consecutive days by default; this can be extended to 180 or 365 consecutive days if chosen when taking out the policy (recorded on the policy schedule).

Personal assistance while travelling

Base coverage for emergency assistance and unexpected costs during travel

Medical expenses abroad

Optional coverage for additional medical costs beyond standard health insurance coverage in foreign countries

Baggage while travelling

Optional coverage for damage, loss, or theft of baggage during travel

Trip cancellation

Optional coverage for costs when trip must be cancelled or interrupted due to covered events

Winter and water sports

Optional add-on coverage for injuries and accidents during winter sports and water sports activities

Continuous product minimum contract duration

Continuous travel insurance requires minimum 1 year commitment at inception

Short-term product covers single trip

Short-term travel insurance is purchased for exactly one trip with specific start and end dates

Continuous variant maximum consecutive trip duration

Single continuous trip cannot exceed 60 consecutive days by default

Coverage area selection

Policyholder can choose between Europe or Worldwide coverage for travel protection

Modular coverage structure

Base coverage (personenhulp) can be extended with optional add-on modules for specific risks

Deductible/own risk options for baggage coverage

Baggage coverage allows selection of different deductible levels: €0, €150, or €300 per claim

Red travel advisory exclusion

Trips to destinations with red travel advisory from Dutch Ministry of Foreign Affairs are not covered