Klaverblad Travel insurance (Doorlopende Reisverzekering)

Reimbursement of unexpected medical (geneeskundige) and dental costs incurred abroad during the trip, supplementary to the Dutch basic health insurance, available under the optional 'Medische kosten' module. Subject to a combined maximum of €5,000,000 per event together with the 'Persoonlijke hulp' module. Domestic follow-up medical costs after an accident abroad are capped separately at €1,250 per person per trip.

Covers the costs of urgent and unexpected medical treatment abroad that cannot be postponed until return to the Netherlands, supplementary to the Dutch health insurance; the policyholder must first consult the alarm centre. Part of the combined €5,000,000 per-event maximum with the Persoonlijke hulp module.

Costs of hospital treatment and examinations abroad are covered as 'geneeskundige kosten' under the Medische kosten module, within the combined €5,000,000 per-event ceiling with Persoonlijke hulp. Requires treatment by a hospital recognised by the local competent authorities.

Costs of outpatient medical treatments, examinations, prescribed medicines and prescribed physiotherapy abroad are covered under the Medische kosten module, within the combined €5,000,000 per-event ceiling with Persoonlijke hulp.

Reimburses dental treatment, examinations, prescribed medicines and travel costs to the treatment location, incurred abroad or afterwards in the Netherlands, up to a maximum of €750 per person per trip, under the Medische kosten module.

The alarm centre arranges and pays for transport to a hospital or back home in the event of illness, accident, disappearance or death, under the Persoonlijke hulp module, within the combined €5,000,000 per-event ceiling with Medische kosten.

Where medically necessary, the alarm centre organises evacuation/transport of the policyholder back to the Netherlands or to a suitable hospital, decided by the alarm centre, under the Persoonlijke hulp module and its combined €5,000,000 per-event ceiling with Medische kosten.

If the policyholder dies abroad, Klaverblad covers the costs of returning the body to the Netherlands, or, if burial/cremation takes place abroad, the local funeral costs and travel/accommodation of two relatives, up to the cost of repatriation to the Netherlands, within the combined €5,000,000 per-event ceiling.

The alarm centre arranges search, rescue or recovery ('opsporing, redding of berging') if the policyholder goes missing or needs rescue during the trip, under the Persoonlijke hulp module, within the combined €5,000,000 per-event ceiling with Medische kosten.

No provided source document mentions COVID-19 specifically as a covered or excluded peril.

Medical costs are not covered if, before departure, it was already established that the policyholder would need medical treatment, was already ill or had an existing condition that led to foreseeable medical complaints, if the trip was (partly) undertaken for the treatment, if treatment was already ongoing abroad before departure, or if treatment could reasonably have waited until return to the Netherlands.

Personal assistance, medical costs and personal injury (Personenschade) arising from an accident or death during winter sports are only covered if the optional Wintersport supplement has been chosen, applying the same limits as the underlying modules (including the combined €5,000,000 medical/assistance ceiling). Winter sports outside marked pistes/runs is never covered; cross-country skiing and walking in the snow are always included without needing the supplement.

Recreational diving is covered as standard, except diving for work, diving deeper than 40 metres, wreck diving, cave diving or freediving. Dangerous sports and speed contests such as motor sports, kitesurfing, ski jumping, mountaineering, parachuting or bungee jumping are explicitly excluded from all modules.

The sources do not provide a specific medical-costs benefit for pregnancy complications; pregnancy complications are only referenced as a trigger event qualifying as 'ernstig ziek' for the (separate, optional) trip cancellation module, not as a medical expenses benefit.

Covers liability for damage to the rented holiday accommodation or its contents, up to €25,000 per trip, under the Calamiteiten en aansprakelijkheid module. Excludes damage from collision, normal wear and tear, or inherent defects; the accommodation must not be a boat or aircraft.

No legal assistance module or benefit is described in the reviewed sources for this product.