HanseMerkur Reiseversicherung AG
HanseMerkur
HanseMerkur is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
The available sources do not specify whether medical providers are paid directly by HanseMerkur or whether costs must be claimed back afterwards; the 24/7 emergency call centre coordinates assistance abroad in case of emergency.
Geographic scope
Selectable Europe or Worldwide coverage
Coverage applies abroad and also within the Netherlands, except that the domestic Dutch health insurance (basiszorgverzekering) is excluded; travel must involve a destination at least 50 km from the policyholder's residence with at least one overnight stay to qualify for domestic cover.
Starting price
€49
Indicative — pricing assumptions not stated
Unique selling points
- The Premium tariff of the continuous travel insurance comes with no deductible at all, unlike many competitors' base tiers.
- A single policy can cover up to 6 people or 2 families travelling together.
- Standard roadside/breakdown assistance abroad is included in the Premium tariff, a benefit many insurers only offer as a paid extra.
- Winter sports insurance is bundled as standard into the Premium tariff, removing the need to buy a separate ski policy for every snow holiday.
- Policyholders have access to a 24-hour worldwide emergency alarm centre for medical help, lost documents, and repatriation assistance.
Coverage limits
Medical expenses abroad
Optional
No limit stated
Official pages describe medical cost cover as an optional addition to the continuous travel policy ("Eventueel met medische kosten"), and a supplementary top-up on the Dutch national health insurance rather than a standalone amount; the exact insured sum is not published on the checked pages.
Emergency medical treatment
Optional
No limit stated
Emergency medical costs during travel are listed as a benefit of the continuous travel insurance, but no specific insured amount was found in the checked sources.
Hospitalization abroad
No limit stated
No specific information on hospitalization coverage limits was found in the checked sources.
Outpatient treatment
No limit stated
No specific information on outpatient treatment coverage was found in the checked sources.
Emergency dental treatment
No limit stated
No emergency dental cover was found described for the continuous travel insurance in the checked sources (extended dental cover is mentioned only for the separate foreign-guests product).
Medical transport
Covered
The base (Comfort) travel insurance includes 24/7 assistance and repatriation (return home) when medically necessary, as part of the standard cover.
Medical evacuation
Covered
Repatriation to the Netherlands when medically necessary is described as a standard included benefit, arranged through the 24/7 alarm centre.
Repatriation of remains
Covered
Repatriation in case of death is described as part of the standard base cover, alongside medically necessary repatriation.
Search and rescue
No limit stated
No dedicated search-and-rescue benefit was found in the checked sources, other than general rescue/recovery references within the winter sports cover.
COVID-19 treatment
No limit stated
No specific mention of COVID-19 treatment coverage was found in the checked sources.
Pre-existing / chronic conditions
Conditional
Only in Premium
The Premium package is described as covering worsening of a chronic or pre-existing condition; this benefit is not mentioned for the Comfort package. The source describing this explicitly refers to the short-stay travel policy, so applicability to the continuous policy's Premium tier is inferred from the shared tier naming and could not be independently confirmed for the continuous product.
Winter sports cover
Conditional
Only in Premium
Winter sports insurance (skiing, snowboarding, related equipment and rescue/recovery operations) is described as included as standard in the Premium tariff of the continuous travel insurance; one official offers page instead lists winter sports cover as an optional add-on ("Eventueel met... wintersportdekking"), so there is some inconsistency across official pages regarding whether it is standard or optional, and it is not standard on the Comfort tariff.
Adventure / high-risk sports cover
Excluded
High-risk activities involving motorized propulsion or aerial activities are always excluded from cover, per HanseMerkur's published FAQ information.
Pregnancy complications
No limit stated
No information on pregnancy complications coverage was found in the checked sources.
Personal liability abroad
Covered
No limit stated
Liability claims cover is listed among the standard benefits of the continuous travel insurance for both tiers, though no specific insured sum was found.
Legal assistance
No limit stated
No mention of a legal assistance benefit was found in the checked sources.
24/7 emergency assistance
Covered
Policyholders have 24-hour access to emergency assistance worldwide, including help with lost money, cards or documents, and coordination of medical or repatriation help.
Key conditions
Assistance call deadline
No specific deadline for contacting the emergency alarm centre is stated in the checked sources; the 24/7 alarm centre should be contacted as soon as possible in case of a medical emergency abroad.
Unauthorized treatment
No specific penalty for unauthorized or non-reported treatment is described in the checked sources.
Purchase while abroad
A travel insurance policy can be taken out at any time before departure; if the policy is only taken out after departure, it does not apply to the trip already underway.
Chronic conditions
Worsening of a chronic or pre-existing condition is covered under the Premium package; this is not mentioned for the Comfort package.
Pregnancy
No specific information on pregnancy-related cover was found in the checked sources.
Pre-existing condition exclusions
Coverage for worsening of pre-existing/chronic conditions is offered as an extended benefit of the Premium package, not the base Comfort package.
Coverage duration limit
The continuous travel insurance covers an unlimited number of trips within a year, each up to a maximum duration of 90 days per trip (Comfort tariff) or 180 days per trip (Premium tariff), according to the HanseMerkur FAQ page. One official HanseMerkur offers page instead states a maximum of 56 days per trip for the continuous policy, so there is a discrepancy across official pages regarding the exact per-trip limit.
Documents
HanseMerkur Insurance Terms and Conditions
Terms & conditions
Policy specifics
Winter sports coverage
Coverage for winter sports activities including skiing, snowboarding, and associated equipment
SourceBreakdown assistance (roadside assistance)
Coverage for vehicle breakdown assistance including towing and repair costs abroad
SourceMaximum trip duration per year
Annual continuous travel insurance covers unlimited trips within one year, each with a maximum duration
SourceAutomatic annual renewal
Continuous travel insurance automatically renews for successive one-year terms
SourceFamily coverage eligibility
Annual continuous travel insurance can cover couples, families, and groups with flexible terms
SourceMinimum distance for domestic coverage
Annual continuous travel insurance provides coverage for domestic travel within Netherlands when minimum distance is met
SourceSources
- https://www.hansemerkur.nl/aanbiedingen/reisverzekering
- https://www.hansemerkur.nl/alle-reisverzekeringen
- https://www.hansemerkur.nl/reisverzekeringen
- https://www.hansemerkur.nl/reisverzekeringen/doorlopende-reisverzekering
- https://www.hansemerkur.nl/reisverzekeringen/kortlopende-reisverzekering
- https://www.hansemerkur.nl/reisverzekeringen/wintersportverzekering
- https://www.hansemerkur.nl/veelgestelde-vragen