ING Travel insurance (Doorlopende Reisverzekering)

Covers medically necessary treatment costs during the trip that your Dutch health insurance (basic or supplementary) does not reimburse, including amounts falling under your own health-insurance deductible. No separate maximum is stated for costs incurred abroad, but follow-up costs incurred in the Netherlands after the trip are capped at €1,250 and must arise within one year of the illness or accident. Only available if the Module Medische kosten is selected, which automatically also includes the Module Ongevallen.

The Medical costs module reimburses costs of emergency or unexpected medical treatment during the trip, in addition to (on top of) the traveler's regular Dutch health insurance; the Alarmcentrale must always be consulted first.

Covers costs of hospital admission and surgery abroad as part of the Medical costs module, to the extent not reimbursed by the health insurer. Cover continues beyond the trip or policy duration if the insured must remain in a foreign hospital longer than the trip.

Covers costs of doctor visits, prescribed treatments, examinations, bandages and medicines, and transport to and from the treatment location (in the Netherlands and abroad), under the Medical costs module.

Covers dental treatment needed as a result of an accident during the trip, up to €500 per insured person, including X-rays, prescribed medicines, and repair of dentures/dental prosthetics; treatment must take place within one year of the accident.

The standard Hulpverlening (assistance) cover reimburses necessary extra transport and accommodation costs for the affected insured person and an accompanying person when the insured falls ill or has an accident, including ambulance (aircraft) transport when medically necessary, as determined by the Alarmcentrale's medical advisor.

Emergency medical evacuation by ambulance aircraft is included in the standard Hulpverlening cover when the Alarmcentrale's medical advisor determines this is medically necessary, judged against what would be considered medically necessary in the Netherlands.

If an insured person dies abroad during the trip, the necessary extra costs of transporting the body to the Netherlands (including the coffin required for transport) are covered, or alternatively the costs of a local burial/cremation up to the equivalent repatriation cost, plus travel and accommodation costs for two close relatives to attend.

Covers necessary search, rescue and recovery actions carried out by or on behalf of the competent authorities if an insured person is missing or has had an accident, but only if the action has a reasonable chance of success and there is a reasonable chance the person is still alive.

No specific COVID-19 treatment provision is mentioned in the sources; general illness would fall under the standard Medical costs / Hulpverlening rules.

Medical costs are not covered for treatment that was already known to be needed at the start of the trip or the insurance, or for an illness/condition the insured already had before the trip that caused symptoms which could have been foreseen.

Module Wintersport extends the Hulpverlening cover to accidents/assistance needed during winter sports (alpine skiing, snowboarding, etc.) on marked pistes, and reimburses damage to, or theft/loss of, owned or rented winter sports equipment up to the same insured sum chosen for baggage (€1,500, €2,500 or €5,000 per person per trip), plus unused ski passes/lessons/equipment rental if unable to use due to illness, accident or death. Medical costs during winter sports still require the separate Module Medische kosten.

Module Bijzondere sporten covers assistance costs and damage to owned/rented equipment (up to the chosen baggage sum of €1,500/€2,500/€5,000) for water sports (rafting, canyoning, kitesurfing), air sports (parachuting, paragliding, hang gliding, ultralight flying, bungee jumping) and guided off-piste skiing, plus unused passes/lessons/rental costs. Genuinely dangerous sports (e.g. unguided mountaineering, combat sports, motorised racing) remain permanently excluded even with this module.

Medical costs related to an existing pregnancy are excluded, except costs resulting from complications of that pregnancy, which are covered provided the complications were unforeseeable and treatment could not be postponed until return to the Netherlands.

No general third-party personal liability cover is included in this product. Only liability for damage to the rented holiday accommodation or its contents ("Aansprakelijkheid verblijf") is covered under the Module Bagage, up to the insured baggage sum, provided the policyholder is liable for the damage, has done everything to limit it, can show repair invoices, and it does not concern damage to communal areas.

No legal assistance module or cover is mentioned anywhere in the terms and conditions or IPID for this product.