OHRA Travel insurance (Doorlopende Reisverzekering Met Geneeskundige Kosten)

Optional module covering medically necessary treatment costs abroad that are not reimbursed by the Dutch basic health insurance (Basis Zorgverzekering), including when costs exceed Dutch reimbursement limits or fall below the deductible. Covers doctors, hospitalisation and surgery, prescribed treatments and examinations, and first prostheses required after an accident. Reimbursement is unlimited for doctor visits, hospitalisation, and prescribed treatments.

Unlimited reimbursement for medically necessary and reasonable emergency treatment abroad (doctor visits, hospitalisation, surgery, prescribed treatments and examinations), covered under the optional Module Geneeskundige Kosten, subject to prior approval from the OHRA Hulpdienst.

Unlimited coverage for hospitalisation and surgery abroad under the optional Module Geneeskundige Kosten, provided costs are medically necessary, reasonable, and approved by the OHRA Hulpdienst. Coverage also continues after the trip if the insured must remain in a foreign hospital beyond the trip duration.

Unlimited reimbursement for outpatient doctor visits, prescribed treatments, examinations and medicines abroad under the optional Module Geneeskundige Kosten, subject to medical necessity and approval by the OHRA Hulpdienst.

Reimbursement up to €500 per insured person per trip for dental treatment required as a result of an accident during the trip, including X-rays and prescribed medication, under the optional Module Geneeskundige Kosten. Treatment must take place no later than 365 days after the accident.

Included in the base package (Basispakket) under 'Persoonlijke hulpverlening': the OHRA Hulpdienst arranges and pays for transport of the insured or their remains back to their home address in the Netherlands when the insured is seriously ill or has an accident. Also covers extra travel and accommodation costs for co-insured travel companions, and one accompanying person for support if necessary.

The OHRA Hulpdienst arranges and pays for medical evacuation (repatriation to the Netherlands) when medically necessary, as part of the base package Persoonlijke hulpverlening. Must be arranged via the OHRA Hulpdienst; the insured may not independently arrange assistance.

The OHRA Hulpdienst arranges and pays for transport of remains back to the insured's home address in the Netherlands. If next of kin choose local burial or cremation instead, costs are reimbursed up to the amount that would have been saved by not repatriating, but never more than €5,700. Included in the base package.

Included in the base package: if the insured goes missing or has an accident, the OHRA Hulpdienst arranges and pays for search, rescue and recovery by a competent authority.

COVID-19 is not explicitly mentioned in the policy terms. Medical treatment for COVID-19 would fall under the optional Module Geneeskundige Kosten if the illness arose unexpectedly during the trip and the insured did not know treatment would be required before departure, consistent with the general conditions of medically necessary treatment abroad.

Medical costs for treatment of conditions that existed before or on the start date of the trip, or that were already known to be required during the trip, are explicitly excluded under the Module Geneeskundige Kosten. Similarly, personal assistance (Persoonlijke hulpverlening) is excluded for events related to a condition for which the insured was already being treated abroad before the trip or intended to be treated abroad.

Winter sports is included in the base package of the Doorlopende Reisverzekering (DR2310): if the insured must return home early due to an accident or acute illness during a winter sports holiday, costs for ski passes, ski lessons, and ski equipment hire already paid for at the destination are reimbursed for the unused days. Medical costs during winter sports require the optional Module Geneeskundige Kosten.

High-risk sports (risicovolle sporten) are explicitly excluded from all coverage. These include mountain climbing, abseiling, rafting, canyoning, kitesurfing, parachuting, parasailing, hang-gliding, ultralight flying, bungee jumping, and combat sports. No optional add-on for adventure sports is available under this product.

Costs arising from complications of an existing pregnancy are covered under the Module Geneeskundige Kosten, provided the complications were unforeseeable and it was not possible to postpone treatment until after return to the Netherlands. Routine costs related to a known pregnancy are excluded. Pregnancy complications are also a valid reason for trip cancellation under the Module Annulering.

Included in the base package: coverage up to €1,250 per event for damage to rented holiday accommodation or its inventory for which the insured is liable. Does not cover damage to a (camper) car or (air) vessel.

Legal assistance is not mentioned as a coverage in the OHRA Doorlopende Reisverzekering DR2310 policy terms. No legal assistance module is offered under this product.