Nh1816 Travel insurance (Doorlopende Reisverzekering Geneeskundige Kosten)

Optional add-on (Rubriek C-5) reimbursing medical costs incurred abroad (first aid, doctors' fees, general-hospital nursing, prescribed treatment/examinations, prescribed medicines/aids, transport to and from treatment, ambulance transport, and the statutory health-insurance deductible), payable only as a supplement to an existing Dutch basic health insurance and only after the health insurer's own settlement. No overall euro ceiling is stated for these general medical costs. The cover does not apply to medical costs incurred within the Netherlands itself, except for up to €1,000 of follow-up treatment within one year after a foreign accident.

First-aid costs are reimbursable as part of the optional medical-expenses rubriek (C-5), only if a Dutch basic health insurance is in force and after that insurer's settlement.

Costs of nursing in a general hospital abroad are reimbursed under the optional C-5 rubriek, without a separate cap. Hospital stays longer than 24 hours are excluded if the treatment could have been postponed until after the holiday.

Doctors' fees and prescribed treatments, examinations, medicines and aids are reimbursed under the optional C-5 rubriek, only as a supplement to Dutch basic health insurance and after that insurer's settlement.

Dental costs abroad (dentist's fees, prescribed treatment/examinations, prescribed medicines, transport to/from the dentist) are reimbursed up to €500 per insured per claim event, only if a supplementary Dutch dental insurance is in force and after that insurer's settlement.

Included as part of the standard basisdekking (Rubriek A). Nh1816 organises and pays for the transport of sick, injured or deceased insureds to a hospital or home address in the Netherlands, including required medical escort. The IPID states repatriation-related transport costs are reimbursed without limit; per Polismantel Art. 2, no maximum applies where none is separately described. Extra travel/accommodation costs resulting from this transport are capped at €5,000 per person per claim event.

Included as part of Rubriek A (basisdekking): medically necessary transport of a sick or injured insured from abroad to a hospital in the Netherlands, arranged with the Nh1816 Hulpdienst, plus necessary medical/nursing escort during transport. No maximum amount is stated.

Included as part of the standard basisdekking (Rubriek A). In case of death abroad, Nh1816 pays the costs of transporting the deceased's remains to the Netherlands (including the necessary coffin), or alternatively the costs of a local funeral/cremation up to what repatriation would have cost. The IPID explicitly states repatriation costs are reimbursed without limit.

Included in the base cover: costs incurred by or under the direction of a competent authority to search for, rescue, salvage or transport an insured back to the inhabited world; no maximum is stated.

There is no COVID-19-specific medical-treatment benefit; illness-related medical costs abroad, including for COVID-19, would fall under the general optional medical-expenses rubriek (C-5), which has no explicit ceiling. Separately, the base policy (Rubriek A, Art. 1.13) covers extra costs if an insured must quarantine abroad due to an epidemic or pandemic illness such as COVID-19: extra return-travel costs, plus extra stay costs up to €100 per insured per day, capped at €1,000 per trip, subject to an individual quarantine order.

Medical costs are excluded if they relate to an illness, ailment or condition that already existed or caused symptoms on or before the policy's start date and which the insured could foresee when departing on the trip; also excluded if the policy was taken out or started while the insured was already abroad under (para)medical treatment for that condition, and if a hospital stay over 24 hours could have been postponed until after the trip.

Optional add-on extending the policy to cover alpine skiing, snowboarding, cross-country skiing and skating. If this add-on and a schadegebeurtenis force early return from a ski trip, the base policy also reimburses unused ski-pass, lift, hire and lesson costs for the affected insured and travelling family members.

By way of exception to the general exclusions, sledging/tobogganing, rock climbing, abseiling, hang gliding, paragliding (foot-launched and towed), parachuting, parasailing, white-water rafting, bungee jumping and canyoning remain covered, but only if practised under the guidance of a professional organisation and/or person and only if no prior experience or training is required to take part.

Costs connected with pregnancy are generally excluded, but costs resulting from complications of pregnancy are explicitly carved out of that exclusion and therefore remain covered.

No personal liability cover is included in or attached to the doorlopende reisverzekering / medical-expenses rubriek. Nh1816 sells private liability cover only as a separate, standalone product (Aansprakelijkheidsverzekering particulieren, polisvoorwaarden 3618).

No legal-assistance benefit is included in or attached to the doorlopende reisverzekering / medical-expenses rubriek. Nh1816 offers legal-assistance cover only as a separate product, underwritten via ARAG (Nh1816 Rechtsbijstandverzekering, polisvoorwaarden 09504/09503).