DSW Travel insurance (Doorlopende Reisverzekering)

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.

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 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 medical treatment abroad falls under the general Medische kosten cover and is reimbursed at cost price when the extension is selected.

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.).

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.

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.

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.

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.

Not separately mentioned in the reviewed policy documents.

Not separately addressed as a coverage amount in the reviewed policy documents.

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.

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 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.

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.

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.