National Academic Travel insurance (Doorlopende Reisverzekering)

Optional module covering unexpected, medically necessary costs abroad for treatment by a doctor or dentist that are not reimbursed by the insured's Dutch health insurer (basic and/or supplementary). No maximum amount is stated; only the portion not covered by the health insurer is paid, and the voluntary/mandatory excess of the health insurer is never covered.

Covers sudden and unexpected illness, medical condition or accident occurring during the trip abroad where treatment cannot be postponed until return to the Netherlands. No maximum amount stated; part of the optional Medische kosten module.

Hospital admission and operation are covered when the hospital is officially recognized by the government of that country; part of the optional Medische kosten module, no maximum amount stated.

Covers treatment by a doctor or dentist, prescribed examinations and prescribed medicines/dressings that cannot be postponed until the insured is home; part of the optional Medische kosten module, no maximum amount stated.

Dentist costs abroad are reimbursed up to a maximum of €350 per insured per trip, only for the portion not paid by the Dutch health/dental insurer, and only during the trip (no follow-up treatment in the Netherlands). Part of the optional Medische kosten module.

The cost of the return journey to the Netherlands, including necessary medical accompaniment, for an insured hospitalized abroad on medical indication is covered under the always-included Extra kosten module and is arranged by the alarm centre. Local transport to and from the hospital during the trip is covered separately under the optional Medische kosten module. No maximum amount stated for this transport.

When an insured is hospitalized abroad and must return to the Netherlands on medical indication, the alarm centre arranges and covers the return travel (including medical escort) as part of the always-included Extra kosten module. No maximum amount stated.

If an insured dies abroad, up to €7,500 is paid for transport of the deceased to a funeral location of choice in the Netherlands (including the necessary inner coffin), or alternatively up to €7,500 for burial/cremation in the country of death (including travel/stay costs for up to two persons, max €75 per person per day for up to 7 days), with total payment never exceeding the cost of repatriation. If the insured dies while travelling within the Netherlands, transport to a location in the Netherlands is covered up to €1,000. Always included in the Extra kosten module.

Costs for search, rescue and recovery of an insured in case of disappearance or accident are covered up to €10,000 per insured per trip, only via an authorized organization engaged by the alarm centre. Always included in the Extra kosten module.

Damage and costs related to or resulting from the (possible) presence of, or measures against, a pandemic (defined as a WHO-declared infectious disease spreading across a continent or continents) are excluded under the General Insurance Terms, which apply to all National Academic policies including this one.

Medical costs and related extra costs/assistance are not covered if the insured knew, or could reasonably have known or foreseen, before the trip that medical costs or help would be needed, for example due to an existing illness, condition or disorder, or if the trip was undertaken to receive treatment.

A winter sports trip (recreational travel in an area where winter sports such as skiing, cross-country skiing or snowboarding are possible) is only covered if winter sports cover is additionally selected and shown on the policy schedule; it extends the Baggage, Extra kosten, Pechhulp and Medische kosten modules to winter sports trips. No separate amount is stated.

Damage related to practicing a risk-increasing sport or activity is excluded, including bungee jumping, off-piste skiing/snowboarding, speed skiing, ski jumping, bobsledding, parachuting, skydiving, paragliding, cliff diving, deep-sea diving, ice hockey, solo sailing at sea, mountain expeditions, mountaineering, martial arts, bull running, abseiling, skeleton, speleology, rafting, via ferrata, canyoning, hang gliding and downhill mountain biking, among others, plus racing with motor vehicles/vessels.

Not addressed as a distinct coverage item in any of the reviewed documents.

General (third-party) personal liability cover is not offered under this product. The only related item found is a sublimit (€350 per trip for all insureds combined, minimum €100 damage) for damage the insured is liable for to rented holiday accommodation, which is not general personal liability.

No legal assistance cover is offered; the alarm centre only provides administrative support/advice, e.g. on loss of documents.