Ditzo B.V. (brand of ASR Nederland N.V.)

Assistance call deadline

Ditzo may require an authorization to request your medical records abroad; contact the 24/7 Alarm Centre (+31 30 6990708) to arrange assistance and necessary costs.

Unauthorized treatment

The available policy documents do not specify a separate reduction for costs incurred without prior authorization from the Alarm Centre; an authorization to access your medical records may however be required to process a claim.

Purchase while abroad

Not explicitly addressed in the available policy documents; as a continuous (annual) policy it is designed to be taken out before departure, from a home address in the Netherlands.

Chronic conditions

Costs related to an illness or condition for which you were already receiving treatment before the trip are not covered; only unforeseen complications arising during the trip fall under the medical expenses cover.

Pregnancy

Not specifically addressed for this product in the available policy documents.

Pre-existing condition exclusions

Medical or dental treatment for an illness, condition or defect is not covered if the trip was undertaken with the purpose of receiving that treatment abroad, or if the need for treatment did not arise during the trip.

Coverage duration limit

Each individual trip is covered for a maximum of 60, 90 or 180 consecutive days, depending on the option chosen at purchase; the policy itself runs continuously with a minimum term of one year, after which it can be cancelled with one month's notice.

Emergency medical costs coverage

Direct necessary medical care for unforeseen treatment during travel not covered by own health insurance, provided by qualified healthcare provider outside Netherlands

Baggage coverage

Standard coverage for baggage damage, loss or theft with selectable deductible (typically €75) and maximum reimbursement limits

24/7 Alarm Center assistance

24/7 emergency assistance from Ditzo Alarm Center for return arrangements, extended accommodation if return impossible, and emergency support on-site

Repatriation and transport costs

Coverage for necessary medical transport/ambulance flights and repatriation to Netherlands if medically necessary, including accompaniment if medically required

Pre-existing medical condition exclusion

Illness or condition for which treatment was received before the trip, or if traveling specifically to obtain treatment for such condition, is not covered

Maximum consecutive trip duration

Continuous travel insurance covers consecutive trips up to selected duration: 60, 90, or 180 days per trip maximum

Valid Dutch health insurance requirement

Policyholder must have valid Dutch health insurance for medical expenses coverage to apply. This is a mandatory eligibility condition.

Netherlands overnight stay requirement

Coverage within Netherlands only applies when there is a paid and pre-booked overnight stay. Travel within Netherlands without overnight stay is not covered.

Treatment outside Netherlands only

Medical expenses coverage specifically excludes treatment in Netherlands. Only treatment during travel abroad is covered by the medical expenses module.

Dangerous sports exclusion

Damage resulting from dangerous sports like paragliding, teleskiing, abseiling, bungeejumping is not covered unless done once as guided tourist attraction

Minimum one-year commitment

Continuous travel insurance cannot be cancelled during the first year of coverage. After minimum one-year period, cancellation possible with one month notice.