Coöperatie Klaverblad Verzekeringen U.A.

Assistance call deadline

For treatment or hospital admission, the policyholder must contact the alarm centre in advance; if advance contact is not possible, the alarm centre must be contacted within one week.

Unauthorized treatment

If the policyholder fails to meet obligations such as contacting the alarm centre or reporting damage promptly, Klaverblad may refuse to reimburse the claim and can reclaim amounts already paid or advanced.

Purchase while abroad

The policy terms do not contain a specific provision addressing taking out this insurance while already abroad.

Chronic conditions

Medical costs are excluded if they result from a known, serious ailment or chronic illness that a treating doctor would have confirmed made the trip medically inadvisable, had this been asked before booking.

Pregnancy

Pregnancy is not separately addressed as a medical-costs benefit; a pregnancy complication or a pregnancy that makes travel medically inadvisable is treated as 'ernstig ziek' and can trigger the separate, optional trip cancellation module.

Pre-existing condition exclusions

Medical costs are not covered if, before departure, the policyholder already knew or could have foreseen the need for treatment, was already ill, was already undergoing treatment abroad, travelled (partly) for the treatment, or could reasonably have postponed treatment until returning to the Netherlands.

Coverage duration limit

Cover applies to trips of a maximum of three consecutive months; beyond this period there is no cover unless the trip is extended by a covered event that is reported to Klaverblad immediately.

Medical expenses abroad

Coverage for unexpected medical and dental treatment costs incurred abroad that are not covered by the basic Dutch health insurance (zorgverzekering)

Personal assistance and emergency support

24/7 alarm center support for medical emergencies, accidents, missing persons, and deaths during travel. Assistance is pre-approved and coordinated by insurer's alarm center.

Trip cancellation

Optional module covering cancellation and trip interruption costs due to serious illness, death, negative travel advisories, or force majeure events

Maximum consecutive trip duration

Coverage is limited to a maximum of 3 consecutive months per single trip

Dutch health insurance requirement

Policyholders must maintain valid Dutch basic health insurance (zorgverzekering) to be eligible for medical costs coverage

Negative travel advisory exclusion

No coverage for destinations with negative travel advisories from the Dutch Ministry of Foreign Affairs at the time of travel

Pre-approval requirement for medical care

For most medical services, policyholders must contact the alarm center before seeking treatment to obtain pre-approval, except for pharmacies which can be visited directly

Treatment by recognized healthcare providers

Medical treatment must be provided by doctors or hospitals recognized by the competent authorities of the country where treatment occurs

Emergency-only medical treatment

Coverage applies only to emergency and unexpected medical treatment that cannot be postponed until returning to the Netherlands

Geographic coverage scope selection

Policyholders must choose between Europe-only coverage or worldwide coverage. Europe includes all European countries, Azores, Canary Islands, and Mediterranean countries.