N.V. Noordhollandsche van 1816, Schadeverzekeringsmaatschappij (trading as Nh1816 Verzekeringen)
Nh1816
Nh1816 is a travel insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
Nh1816 mainly works on a reimbursement basis: medical costs must first be settled with the insured's Dutch health insurer, and only the remaining, uncovered part is reimbursed by Nh1816 after the health insurer's statement is submitted. For emergencies, the Nh1816 Hulpdienst coordinates assistance and can advance costs (e.g. transport, repatriation) directly with providers; the insured must repay these advances if a claim later turns out not to be covered.
Geographic scope
Worldwide
The policy is valid worldwide. Within the Netherlands, cover applies only while travelling directly to or from a foreign destination and during a paid overnight stay. Medical and dental expense cover (Rubriek C-5) does not apply to costs incurred within the Netherlands itself, except for up to €1,000 (medical) / €500 (dental) of follow-up treatment in the Netherlands within one year after an accident abroad.
Unique selling points
- Repatriation costs following an accident or death abroad are reimbursed without any maximum limit.
- Reimburses the mandatory deductible (eigen risico) your Dutch health insurer applies to medical costs incurred abroad.
- Recreational diving up to 40 metres is automatically included as standard, even without the optional underwater-sports add-on.
- Covers an unusually wide circle of family members, including 1st, 2nd and 3rd-degree relatives, children living with an ex-partner, and unmarried children temporarily away from home for study.
- The standard 60-day maximum trip duration can be extended, for an extra premium, to up to 180 consecutive days.
Coverage limits
Medical expenses abroad
Optional
Only in Rubriek C-5
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; per Polismantel Art. 2, no maximum applies to a benefit where none is separately described. 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.
Emergency medical treatment
Optional
Only in Rubriek C-5
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.
Hospitalization
Optional
Only in Rubriek C-5
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.
Outpatient treatment
Optional
Only in Rubriek C-5
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.
Emergency dental treatment
€500
Only in Rubriek C-5
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.
Medical transport
unlimited
Only in Rubriek A
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.
Medical evacuation
unlimited
Only in Rubriek A
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. Consistent with the IPID's statement that repatriation-related transport is reimbursed without limit and with Polismantel Art. 2 (no maximum where none is separately stated).
Repatriation of remains
unlimited
Only in Rubriek A
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.
Search and rescue
Covered
Only in Rubriek A
Included as part of the basisdekking (Rubriek A): costs made by or under the direction of a competent authority to search for, rescue, salvage or transport back an insured to the inhabited world. No maximum amount is stated in the text of this article; per Polismantel Art. 2, where a benefit's description contains no separate maximum, no maximum applies, so this benefit is uncapped even though it is not explicitly labelled 'onbeperkt' (unlimited) the way repatriation costs are.
COVID-19 treatment
Optional
Only in Rubriek A, Rubriek C-5
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.
Pre-existing conditions
Excluded
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.
Winter sports cover
Optional
Only in Aanvullende dekking wintersport
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.
Adventure sports cover
Conditional
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.
Pregnancy complications
Covered
Only in Rubriek A
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.
Personal liability
No limit stated
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).
Legal assistance
No limit stated
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).
24/7 assistance
Covered
Only in Rubriek A
The Nh1816 Hulpdienst provides worldwide assistance and is reachable day and night. The insured (or another insured making a claim) must contact the Hulpdienst directly by telephone, quoting policy details, before incurring costs that require prior approval.
Key conditions
Assistance call deadline
Help from the Nh1816 Hulpdienst must be requested by direct telephone contact, stating the insured's policy details, before costs requiring prior consent are incurred; for hospital admission abroad, the insured's Dutch health insurer or its alarm centre must be contacted immediately, who will involve the Nh1816 Hulpdienst if needed.
Unauthorized treatment
Costs of treatment or nursing in a private clinic are not reimbursed if the Nh1816 Hulpdienst did not give prior approval; failing to promptly notify the health insurer/Hulpdienst upon hospital admission can result in loss of the right to reimbursement.
Purchase while abroad
Costs are excluded if the policy was taken out or started while the insured was already abroad under (para)medical treatment, unless the insured can show the costs are unrelated to that treatment or the underlying illness/condition.
Chronic conditions
Costs connected to an illness, ailment or condition that already existed, or already caused symptoms, on or before the policy's start date, and which the insured could foresee when travelling, are excluded.
Pregnancy
Costs connected with pregnancy are excluded in general, except costs resulting from pregnancy complications, which remain covered; this exclusion does not apply to the (separate) trip-cancellation cover.
Pre-existing condition exclusions
Medical/dental costs relating to a condition existing before, or foreseeable at, the start of the policy or the trip are not covered, and a hospital stay longer than 24 hours is excluded if treatment could have been postponed until after the holiday.
Coverage duration limit
A single trip is covered for a maximum of 60 consecutive days by default; this can be extended, for an additional premium and if noted on the policy schedule, to a maximum of 180 consecutive days. If unforeseen circumstances beyond the insured's control extend the trip further, cover continues until the earliest possible return.
Where to buy
Policy specifics
Medical expenses abroad
Additional optional coverage for medical and dental costs during travel abroad. Requires separate Dutch health insurance policy.
SourceAccident coverage
Coverage for death or permanent disability resulting from accidents during travel. Optional add-on benefit.
SourceTrip cancellation
Coverage for prepaid travel costs lost due to trip cancellation or curtailment. Requires separate policy module.
SourceEmergency transport and assistance
Emergency rescue, medical accompaniment during transport, and repatriation to Netherlands. Coordinated by NH1816 Hulpdienst.
SourceInsurers' association documentTrip duration limits
Standard 60 days per trip. Can be extended to 180 days as optional upgrade.
SourceMandatory assistance coordination
Medical expenses must be coordinated in advance with NH1816 Hulpdienst. Direct telephone contact required for emergency situations.
SourceDutch health insurance requirement
Medical expenses coverage (Rubriek C-5) is only valid if insured has active basic health insurance with Dutch insurer.
SourceMinistry travel advisory exclusion
No coverage if negative travel advice issued by Dutch Ministry of Foreign Affairs for destination at start of trip.
SourcePre-existing condition exclusion
Medical costs not covered if chronic condition existed before policy effective date or if treatment could have been deferred until after trip.
SourceReimbursement model
NH1816 operates via direct assistance service coordination (Hulpdienst) for emergency medical care; reimbursement for costs not pre-approved.
Source