HanseMerkur Travel insurance (Doorlopende Reisverzekering)
Underwritten by HanseMerkur Reiseversicherung AG · Netherlands
travel insurance from HanseMerkur for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 2, 2026Sources
Key facts
- HanseMerkur
- Starting price: €49per yearAs published by the insurer — it does not say who the price is for
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.
Roadside/breakdown assistance abroad is included as standard in the Premium tariff.
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.
Section: Zorgeloos op reis – dit mag je verwachten
Uit te breiden met: dekking voor medische kosten, pechhulp of wintersport
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.
Section: Tariefoverzicht
Medische kosten Niet van toepassing Toepasselijk
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.
Section: Onze reisverzekeringen in een oogopslag > De juiste reisverzekering afsluiten voor elke reis > Wat dekt een standaard reisverzekering?
Denk aan een vergoeding voor onverwachte kosten, 24/7 hulp en assistentie van de alarmcentrale en repatriëring (terugkeer naar huis) indien medisch noodzakelijk of bij overlijden.
Medical evacuation
Covered
Repatriation to the Netherlands when medically necessary is described as a standard included benefit, arranged through the 24/7 alarm centre.
Section: Wat dekt een standaard reisverzekering?
Denk aan een vergoeding voor onverwachte kosten, 24/7 hulp en assistentie van de alarmcentrale en repatriëring (terugkeer naar huis) indien medisch noodzakelijk of bij overlijden.
Repatriation of remains
Covered
Repatriation in case of death is described as part of the standard base cover, alongside medically necessary repatriation.
Section: Wat dekt een standaard reisverzekering?
Denk aan een vergoeding voor onverwachte kosten, 24/7 hulp en assistentie van de alarmcentrale en repatriëring (terugkeer naar huis) indien medisch noodzakelijk of bij overlijden.
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
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.
Section: Goed om te weten. Alles over een Kortlopende reisverzekering > Wat kost een kortlopende reisverzekering?
Met het Premium pakket ben je bijvoorbeeld ook verzekerd bij: Verergering van een chronische of bestaande aandoening;
Winter sports cover
Conditional
Winter sports cover (skiing, snowboarding, equipment, and rescue/recovery operations) is included as standard in the Premium tariff of the continuous travel insurance; it is not included under the Comfort tariff.
Section: Goed om te weten. Alles over de doorlopende reisverzekering
Bij HanseMerkur zit een wintersportverzekering standaard in het Premium tarief van onze doorlopende reisverzekering.
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.
Section: Veelgestelde vragen over de kortlopende reisverzekering
Nee. Risicovolle sporten (activiteiten met gemotoriseerde aandrijving, luchtactiviteiten) zijn altijd uitgesloten.
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.
Section: Goed verzekerd op pad – dit zit er in je reisverzekering > Comfort-tarief
Juist Aansprakelijkheidsdekking
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.
Section: Veelgestelde vragen
Met een reisverzekering van HanseMerkur geniet u van een zorgeloze vakantie én hebt u, overal ter wereld, 24 uur per dag toegang tot hulpverlening in geval van nood.
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.
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.
Territorial scope
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.
Documents
Policy specifics
Winter sports coverage
Coverage for winter sports activities including skiing, snowboarding, and associated equipment
SourceSection: Voor iedereen die reizen combineert met sport
Materiaalschade: dekking voor diefstal, verlies of beschadiging van uw snowboard- of skiuitrusting
Breakdown assistance (roadside assistance)
Coverage for vehicle breakdown assistance including towing and repair costs abroad
SourceSection: Stel de beste reisverzekering samen voor uw reisplannen > Pechhulp
Verder dekt onze pechhulpverzekering de kosten voor het vervoer van uw auto naar een garage.
Baggage loss and damage
Coverage for lost, stolen, or damaged luggage and personal belongings
SourceSection: Verzekeringsoverzicht
Bagagedekking Niet van toepassing Toepasselijk v* eigen risico 50 € Toepasselijk
Maximum trip duration per year
Annual continuous travel insurance covers unlimited trips within one year, each with a maximum duration
SourceSection: Definities & soorten reizen
De doorlopende reisverzekering geldt voor een willekeurig aantal reizen binnen een jaar met een maximale duur van 90 dagen (Comfort-tarief) of 180 dagen (Premium-tarief) per reis.
Automatic annual renewal
Continuous travel insurance automatically renews for successive one-year terms
SourceSection: Boeken & verlengen
Doorlopende reisverzekeringen worden steeds automatisch met een jaar verlengd als u de verzekering niet binnen de opzegtermijn opzegt.
Family coverage eligibility
Annual continuous travel insurance can cover couples, families, and groups with flexible terms
SourceSection: Definities & soorten reizen
Een verzekering voor stellen geldt voor 2 personen. Een verzekering voor gezinnen geldt voor maximaal 2 volwassenen en minimaal 1 meereizend kind (maximaal 7 kinderen) in de leeftijd tot 21 jaar.
Minimum distance for domestic coverage
Annual continuous travel insurance provides coverage for domestic travel within Netherlands when minimum distance is met
SourceSection: Voordelen en voorwaarden
Binnen Nederland bent u verzekerd als uw plaats van bestemming minstens 50 km hemelsbreed van uw woonplaats verwijderd is en de reis minstens één overnachting omvat.
Sources
- hansemerkur.nlhttps://www.hansemerkur.nl/aanbiedingen/reisverzekering(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/alle-reisverzekeringen(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/reisverzekeringen(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/reisverzekeringen/doorlopende-reisverzekering(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/reisverzekeringen/kortlopende-reisverzekering(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/reisverzekeringen/wintersportverzekering(opens in a new tab)
- hansemerkur.nlhttps://www.hansemerkur.nl/veelgestelde-vragen(opens in a new tab)
HanseMerkur Travel insurance