De Zeeuwse Travel insurance (Doorlopend Reis)

Covers medically necessary treatment costs abroad resulting from an accident, illness or pregnancy that arose during the trip and were unforeseeable. Cover applies only supplementary to the policyholder's mandatory Dutch health insurance (only costs not reimbursed by it are covered); no fixed monetary cap is stated. Voluntary excess on the Dutch health policy is not reimbursed.

Emergency treatment (doctor consultation, hospital admission) abroad is covered under the same 'geneeskundige kosten' benefit as general medical expenses. Prior authorization from the De Zeeuwse Alarmcentrale is required; if this is not possible, reimbursement is capped at what would have been paid had the alarm centre been contacted.

Hospital admission abroad is covered under 'geneeskundige kosten' with no separately stated cap, subject to Dutch health insurance coordination and alarm-centre authorization. If treatment (including hospitalization) is expected to last 7 days or more and there is no elevated medical risk from travelling back, De Zeeuwse may require the patient to be repatriated for treatment in the Netherlands.

Outpatient/ambulatory medical treatment abroad is covered under the general 'geneeskundige kosten' benefit, supplementary to Dutch health insurance, with no separate cap stated. Routine check-ups, vaccinations, physiotherapy and alternative medicine are excluded.

Urgent dental treatment abroad that cannot be postponed until return to the Netherlands is covered up to €225. Separately, dental damage to natural teeth, crowns or post-teeth caused directly by an accident is covered up to €450.

Transport costs by ambulance aircraft or other medically necessary transport, including necessary medical escort, are covered as part of buitengewone kosten with no stated cap, subject to prior authorization by the De Zeeuwse Alarmcentrale medical adviser.

If, in the event of serious injury or illness, medical repatriation to the Netherlands is necessary to save life, avoid or reduce serious health complaints, or avoid/reduce invalidity, the costs of ambulance-aircraft transport and necessary escort are covered with no stated cap, subject to alarm-centre authorization.

If the insured dies abroad, transport of the body to the Netherlands is covered with no stated cap. Alternatively, if burial or cremation takes place abroad, costs are reimbursed up to the amount that would have been paid for repatriation of the body to the Netherlands.

Necessary costs of search, rescue or salvage if the insured is missing or has had an accident are covered with no stated cap, provided the search, rescue or salvage is carried out by an official authority.

The reviewed policy documents do not mention any COVID-19-specific provision, exclusion or cap; general medical-expenses terms would apply as with any illness, but this is not explicitly confirmed in the source.

Costs arising from illness, defects or conditions that already existed or caused complaints on or before the trip's start date are excluded from buitengewone kosten, and are excluded from medical costs unless the policyholder can prove the costs were unexpected or unforeseeable at the time of travel.

Optional add-on that must be listed on the policy schedule. Without it, buitengewone kosten, medical costs, accident benefits and (if selected) extra baggage cover related to winter sports accidents are excluded. With it, accident death/invalidity payouts up to €25,000/€75,000 apply, and cover extends to skiing on domestic or foreign indoor/outdoor ski slopes. Dangerous winter sports (e.g. off-piste without a guide, ski-alpinism, heli-skiing) remain excluded even with this add-on.

Optional add-on that must be listed on the policy schedule, covering buitengewone kosten, medical costs, accident benefits, legal assistance and (if selected) baggage for incidents during listed adventure sports (e.g. rock climbing, rafting, kitesurfing, scuba diving up to 40m). Accident payouts are capped lower than the standard amounts (up to €10,000 for death/invalidity). Genuinely dangerous sports (e.g. off-piste skiing, deep/cave/ice diving, combat sports) are never covered even with this add-on.

Medical costs arising from pregnancy are covered as part of geneeskundige kosten only if there are complications; normal pregnancy and delivery costs without complications are explicitly excluded.

Personal liability is not part of the Doorlopende Reisverzekering; it is a separate base policy ('Aansprakelijkheid particulier') within the broader Privé Pakket Online, not covered by the travel-medical terms reviewed.

Legal assistance (recovery of damages, criminal defence, contract disputes) is provided by Brandmeester Advocaten en Juristen B.V. (BrandMR). Within Europe, cover is unlimited when handled by BrandMR's own in-house lawyers and experts and Dutch/European courts have jurisdiction; if external advocates/experts are used, or the matter is outside Europe (excluding non-European Mediterranean countries), the maximum is €5,000. BrandMR can also advance a foreign guarantee deposit (waarborgsom) up to €25,000 per event.