Mutual Insurance Company DSW Zorgverzekeraar U.A.
DSW
DSW is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Before incurring medical costs abroad, the policyholder must first contact the ANWB Alarmcentrale, which can arrange guarantees with the treating provider and coordinate the case; the reviewed policy documents do not describe automatic cashless settlement with all foreign providers, so costs may need to be paid upfront and reclaimed afterwards.
Geographic scope
Policyholder chooses Europe-only or Worldwide coverage
Europe option covers the Netherlands (only if at least one overnight stay in paid accommodation), other European countries, Russia up to the Urals and the Caucasus, Iceland, Madeira, Azores, Canary Islands, Turkey (incl. Asian part), non-European Mediterranean countries (Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Lebanon, Syria), Georgia, Armenia and Azerbaijan; short trips outside this area (max. 48 hours) are also covered. The Worldwide option covers Europe plus the rest of the world.
Unique selling points
- Choose per policy between Europe-only or Worldwide coverage, with a single trip covered for up to 180 days depending on the selected package.
- Take out the continuous travel insurance entirely online via dsw.nl, with online claims handling as well.
- 24/7 professional assistance from the ANWB Alarmcentrale for breakdowns, illness, accidents and other calamities abroad, in the policyholder's own language.
- Can be combined with a separate Allrisk annuleringsverzekering that lets the policyholder freely determine the cancellation reason.
- The statutory deductible of the Dutch health insurance is reimbursed under the Medische kosten extension, on top of cost-price reimbursement of medical costs incurred abroad.
Coverage limits
Medical expenses abroad
unlimited
Medical costs incurred abroad are reimbursed at cost price (kostprijs, i.e. no stated ceiling) if the Medische kosten extension is selected on the policy; this extension also requires a Dutch health insurance policy. Medical costs incurred in the Netherlands are only covered under the Compleet tier, up to €1,600, and are not covered (n.v.t.) under the Compact tier.
Emergency medical treatment abroad
unlimited
All necessary medical costs when unexpectedly requiring medical treatment during the trip are reimbursed, on a doctor's instruction, at cost price, provided the Medische kosten extension is selected and the ANWB Alarmcentrale is contacted beforehand.
Hospitalization abroad
unlimited
Hospitalization costs abroad fall under the general Medische kosten cover (reimbursed at cost price) and are not listed as a separate sub-limit in the benefits table.
Outpatient treatment abroad
unlimited
Outpatient medical treatment abroad falls under the general Medische kosten cover and is reimbursed at cost price when the extension is selected.
Emergency dental costs
€600
Only in Compleet
Dental costs are only covered under the Compleet tier of the Medische kosten extension, up to €600; the Compact tier does not cover dental costs at all (n.v.t.).
Medical transport / assistance
unlimited
Included as part of the base 'Hulpverlening' cover: the ANWB Alarmcentrale organises help if the return journey does not go as planned or medical guidance is needed en route; the costs of this assistance are borne by the insurer, with no stated ceiling.
Medical evacuation
unlimited
Coordination of medical guidance and return travel in case of emergencies is part of the base Hulpverlening cover, arranged and paid for by the insurer via the ANWB Alarmcentrale.
Repatriation of remains / funeral costs abroad
€3,500
Costs of transporting a deceased insured's remains to the Netherlands, or of a funeral/cremation abroad including travel of family members, are covered up to €3,500 per insured person under the base Onvoorziene uitgaven cover.
Search and rescue action
unlimited
Costs of a rescue action are covered under the base Onvoorziene uitgaven cover, reimbursed to the extent they are unforeseen and necessary, without a stated maximum in the benefits table.
Pre-existing conditions
No limit stated
Not separately addressed as a coverage amount in the reviewed policy documents.
Winter sports cover
Optional
Available as the optional 'Wintersport en bijzondere sporten' extension. The appendix lists sports in three categories: category 1 sports are covered under the standard policy, category 2 sports are only covered with this extension, and category 3 sports are never covered.
Adventure / special sports cover
Optional
Covered under the same optional 'Wintersport en bijzondere sporten' extension as winter sports; the sports list (bergsport, luchtsport, watersport, overige sporten, etc.) is divided into three categories determining whether the sport is standard-covered, add-on only, or never covered.
Pregnancy complications
No limit stated
Pregnancy and its complications are addressed only under the separate Annulering (cancellation) cover, which is a different product subtype and out of scope for travel_medical extraction.
Liability for rented holiday accommodation
€1,100
Covers damage the insured causes to a rented holiday accommodation and its inventory, and the cost of new keys/locks after losing the key to a rented accommodation or safe; this is not a general third-party personal liability cover. Included as base cover, up to €1,100, in both Compact and Compleet.
Legal assistance (travel and traffic)
€25,000
Only in Compleet
Available as the optional Reisrechtsbijstand and Verkeersrechtsbijstand extensions, each reimbursed up to €25,000 per event under the Compleet tier only (n.v.t. under Compact); covers recourse, contract, criminal-defence and bail-bond assistance related to the trip or the insured motor vehicle.
24/7 ANWB Alarmcentrale assistance
Covered
The ANWB Alarmcentrale is available day and night for advice and practical help arranging vervangend vervoer, medical guidance, and other assistance during the trip; reachable on +31 70 314 56 56 from the Netherlands or abroad.
Key conditions
Assistance call deadline
Before making any medical costs, always contact the ANWB Alarmcentrale first; the policy does not state a fixed number-of-hours deadline for this product, but prior contact is a condition for reimbursement.
Unauthorized treatment
No specific monetary penalty is stated; failing to contact the ANWB Alarmcentrale before incurring medical costs, or not cooperating with claims requirements, can result in reduced or refused reimbursement per the general claims conditions.
Purchase while abroad
Not specified in the reviewed policy documents.
Chronic conditions
Not specifically addressed for this Unigarant/DSW product in the reviewed documents.
Pregnancy
Pregnancy is only referenced under the separate Annulering (cancellation) cover; no specific medical pregnancy provision is stated for the travel medical cover itself.
Pre-existing condition exclusions
Not specifically addressed in the reviewed Unigarant DRA UGK/UGL documents.
Coverage duration limit
The continuous policy runs for one year and automatically renews; a single trip is covered for a maximum of 60 or 180 days depending on the chosen package, though cover continues without extra premium if a covered event delays the return beyond that period.
Documents
Terms and conditions - Doorlopende Reis- en Annuleringsverzekering DRA UGL (09-25)
Terms & conditions
Terms and conditions - Doorlopende Reis- en Annuleringsverzekering DRA UGK (05-22)
Terms & conditions
Insurance Product Information Document - Continuous travel insurance
IPID
DSW travel insurance product page
Other document
Policy specifics
Medical expenses (optional extension)
Medical expenses coverage is not included in the base package and must be selected as an optional extension
SourceTrip duration limits
Continuous travel insurance covers trips of maximum 60 days per journey by default, extendable to 180 days
SourceSOS International emergency coordination
Medical emergencies are coordinated through SOS International alarm center, which handles financial guarantees, medical contact, return travel coordination, and language support
SourceDeductible options for luggage
Baggage coverage allows selection of deductible: €0, €75, or €150
SourceCoverage area options
Choice between Europe-only coverage or worldwide coverage for medical expenses extension
SourceANWB Alarmcentrale emergency coordination
Medical emergencies and other assistance needs abroad are coordinated through the ANWB Alarmcentrale (available 24/7), which gives advice, helps find vervangend vervoer, and coordinates medical guidance during the return journey.
SourceMandatory deductible not insurable
The mandatory deductible (verplicht eigen risico) of Dutch health insurance cannot be covered by the medical expenses extension
SourceNetherlands domestic travel condition
Travel within the Netherlands is only covered if at least one overnight stay occurs during the trip
SourcePrior health insurance claim requirement
Medical costs should first be claimed with the Dutch health insurance (zorgverzekering) before submitting to travel insurance
SourceStatutory deductible reimbursed, voluntary deductible excluded
The Medische kosten extension reimburses the statutory (wettelijk) deductible of the Dutch health insurance, but explicitly excludes the voluntary (vrijwillig) deductible from cover.
Source