FBTO (trade name of Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and FBTO Zorgverzekeringen N.V.)

Assistance call deadline

The insured must notify FBTO's alarm centre before incurring medical costs and, in case of hospital admission, must notify it in advance where possible (otherwise within 1 week). Costs must in any case be reported within 2 weeks.

Unauthorized treatment

If the insured fails to contact the alarm centre first or otherwise breaches obligations to FBTO's disadvantage, FBTO pays less or nothing, or at most what its own alarm centre would have charged in a comparable situation.

Purchase while abroad

Not specified in the reviewed sources for the continuous (Zorg op reis) medical module; this is an annual policy typically taken out before travel begins.

Chronic conditions

Medical costs are never covered if the insured already knew, or could have known, about an existing illness or condition before departure that would require medical costs during the trip.

Pregnancy

Not specifically addressed under the Zorg op reis medical module; pregnancy-related events are only explicitly covered under the separate Annuleren (cancellation) module.

Pre-existing condition exclusions

Costs relating to conditions the insured knew or should have known about before the trip, including travelling specifically for treatment, are excluded.

Coverage duration limit

The insured trip period is a maximum of 60 consecutive days unless a longer period is stated on the policy; up to 180 or 365 days is possible with the optional 'Lang op reis' extension.

Medical expenses (optional module)

Optional module covering medical costs incurred during travel that exceed Dutch health insurance tariffs. Covers emergency medical treatment not anticipated before travel.

Baggage coverage (base module)

Base coverage for loss, theft, or damage to baggage. Insured amount ranges from €1,000 to €5,000 (policyholder choice). Specific items have maximum limits; depreciation schedule applies for items over 1 year old.

Personal assistance (base module)

24/7 alarm centre assistance and personal help during travel. Covers transport home, family assistance, and repatriation in case of accident or illness.

Maximum trip duration (standard)

Standard maximum consecutive trip duration is 60 days. Longer trips (up to 365 days) are possible with the optional 'Lang op reis' (Long Trip) module.

Medical necessity and unforeseeability

Medical expenses are only covered if the need for medical care arose unexpectedly during the trip and could not have been foreseen before travel began. Emergency treatment only (not pre-existing conditions or planned procedures).

Module activation and deactivation (year-round flexibility)

Unique to the annual (continuous) travel insurance: modules can be added or removed at any time throughout the year (not just at policy renewal). Changes take effect from the 1st of the following month.

Geographic coverage (Europe standard, World optional)

Default coverage is for Europe. World coverage requires selecting the 'Reisbestemming Wereld' (World Destination) module. For the Zorg op reis (medical expenses) module, coverage can be extended from Europe to World.

Red travel advisory exclusion

Travel to destinations with a red (do not travel) advisory from the Dutch Ministry of Foreign Affairs is not covered. Exception: if already at destination when red advisory is issued, coverage continues but policyholder must leave as soon as possible.

Minimum annual commitment

The annual (continuous) travel insurance must be taken out for a minimum of 1 year (12 months). After the first year, the policy can be cancelled at any time.