HEMA Financial Services B.V. (trading as HEMA Verzekeringen / verzekerdbijHEMA.nl)

Assistance call deadline

You must always call HEMA's 24/7 alarm centre and obtain their permission before accepting help or incurring costs (e.g. for medical assistance, vehicle assistance, or replacement transport), and before any hospital admission during your trip.

Unauthorized treatment

The terms do not state a fixed financial penalty, but costs for assistance, vehicle help, replacement transport or hospitalisation that are incurred without first calling and obtaining permission from the alarm centre are not covered.

Purchase while abroad

The policy terms do not address purchasing or activating this insurance while already abroad; they only describe applying for the policy online via the HEMA website before travel.

Chronic conditions

Medical and other costs are not covered if, when you left on the trip, you could already have expected that you would need medical treatment during the trip because of an existing illness, condition or ailment.

Pregnancy

Costs related to pregnancy are excluded, except if you are less than 7 months pregnant and could not have foreseen beforehand that treatment would be needed.

Pre-existing condition exclusions

Costs are not covered if you could have expected needing medical treatment when you left on the trip, or if you were already being treated abroad before the trip for the same problem and need treatment for it again during the trip.

Coverage duration limit

You are covered for a maximum of 60 consecutive days per trip; this is only extended if you cannot return home due to an unavoidable, unwanted event, and only for costs made abroad until you can reasonably return. Doctor's cost reimbursement under the medical module is additionally limited to 365 days after the first day of treatment.

Medical Expenses Supplement

Optional coverage for medical costs beyond standard health insurance, covering emergency or unexpected medical treatment abroad

Winter Sports Coverage

Standard included coverage for winter sports activities and related medical costs

Underwater Sports Coverage

Standard included coverage for underwater sports activities during travel

Baggage Coverage

Coverage for damage to, loss of, or theft of baggage and travel documents during the trip

Trip Cancellation

Optional coverage for reimbursement of travel costs if the trip must be cancelled for urgent reasons

Emergency Assistance

Coverage for emergency medical assistance, repatriation, and family support arrangements during illness or injury abroad

Vehicle Assistance Coverage

Optional coverage for assistance with personal vehicle during travel, including breakdown, accident, or theft

Maximum Trip Duration

Continuous travel insurance is valid for maximum 60 consecutive days per trip

Geographic Coverage Options

Choice between Europe coverage (including extended territories) or Worldwide coverage

Domestic Travel Condition

Travel within Netherlands is only covered if minimum one paid overnight stay is booked at recognized accommodation

Deductible Structure

€100 deductible per claim for baggage damage and medical expenses coverage; no deductible for other coverages

Family Coverage

Children included automatically in family policies with no age limit if they are resident or studying in Netherlands

Pre-existing Condition Exclusion

Claims for trip cancellation due to illness or health conditions are not covered if policyholder had symptoms in the 3 months before policy start

Dangerous Activities Exclusion

No coverage for claims arising from dangerous or extreme sports unless specifically declared or covered by optional additions

Cancellation Coverage Timing Requirement

Cancellation coverage must be activated within 7 days of booking the trip to be valid