N.V. Interpolis (brand of Achmea group entities, incl. N.V. Interpolis BTL, N.V. Hagelunie, Achmea Schadeverzekeringen N.V., Achmea Pensioen- en Levensverzekeringen N.V. and Achmea Zorgverzekeringen N.V.)

Assistance call deadline

The insured must contact the Interpolis alarm centre before undergoing medical treatment on the trip and follow its instructions. Hospital admission must be reported to the alarm centre in advance, or within 1 week if that was not possible. Costs must be reported as soon as possible, and in any case within 2 weeks.

Unauthorized treatment

If the insured is treated in a private clinic without prior approval from the alarm centre, or fails to comply with other obligations in a way that is detrimental to the insurer, benefits are reduced or refused. Costs for private clinic treatment without prior alarm-centre approval are excluded.

Purchase while abroad

Cover is tied to a Dutch home address; a trip must start from and end at the insured's residence in the Netherlands. There is no provision to purchase or extend the policy while already abroad. The policy stops if the insured moves to a foreign address or stays abroad longer than 1 year.

Chronic conditions

Chronic diseases are not separately addressed; medical costs are only covered if the need for treatment arose unexpectedly during the trip and could not have been foreseen at departure. Costs linked to a condition the insured already knew about are excluded.

Pregnancy

Pregnancy is not separately addressed in these terms; the general exclusion applies if the need for medical costs or complications was foreseeable before departure.

Pre-existing condition exclusions

Costs are never covered if the insured knew, or could have known, that they would need medical treatment during the trip (e.g. an existing illness), or if the trip was undertaken specifically to receive treatment.

Coverage duration limit

Standard maximum of 60 consecutive days per trip, which can be extended to 180 or 365 consecutive days if stated on the policy schedule.

Medical expenses supplement

Optional supplementary coverage for emergency medical costs abroad not covered by Dutch health insurance; covers difference between Dutch tariffs and foreign medical costs

Maximum consecutive trip duration

Default maximum consecutive days covered per trip under continuous travel insurance

Emergency assistance (base coverage)

Mandatory base coverage included in all continuous travel insurance policies; covers emergency assistance, medical repatriation, and emergency transport costs

Winter and water sports exclusion

Medical costs from winter and water sports injuries not covered under basic personenhulp or medical expenses coverage unless optional winter/water sports supplement is purchased

Mandatory alarm centre contact before treatment

For hospitalization or emergency treatment, insured person must contact Interpolis alarm centre before receiving medical treatment to ensure coverage

Primary claim against health insurance

Insured must first claim medical costs from their Dutch health insurance; Interpolis travel medical supplement covers only amounts not reimbursed by health insurer

Claim notification deadline

Insured must notify Interpolis of any damage or emergency requiring coverage as soon as possible, and no later than 14 days after returning from trip

Family composition change notification

Changes in household composition (family members added/removed) must be reported to Rabobank within 14 days