NN Group N.V. (operating as Nationale-Nederlanden)
Nationale-Nederlanden
Nationale-Nederlanden is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
After approval from the Alarmcentrale, a payment guarantee can be issued to a medical institution confirming that the medical costs will be paid under this insurance.
Geographic scope
Europe (standard) with an optional Worldwide upgrade
Standard cover applies in the Netherlands (only with proof of at least one paid overnight stay, not a fixed pitch/berth), in Europe including the Azores, Madeira, the Canary Islands, Turkey, Greenland and Cyprus, and in Algeria, Egypt, Israel, Lebanon, Libya, Morocco and Tunisia. Worldwide cover can be added within 14 days of booking the trip.
Unique selling points
- No stated euro ceiling on medical costs incurred abroad, beyond what the Dutch health insurance does not cover.
- Accommodation costs for the ill insured person are reimbursed up to €150 per day, higher than the standard €100 per day rate applied to other assistance events.
- Costs of calling the 24/7 Alarmcentrale for assistance are always reimbursed in full, without a stated limit.
- Medical cover continues beyond the trip or policy term if the insured remains hospitalised abroad for longer than expected.
- The standard Europe cover area includes Cyprus, in addition to the Azores, Madeira, the Canary Islands, Turkey and Greenland.
Coverage limits
Medical expenses
Optional
No limit stated
Module Medische kosten covers costs of medically necessary treatment abroad (doctors, hospital admission and operation, prescribed treatments/medicines, first prosthesis/orthesis, transport to treatment) that are not covered by the traveller's Dutch health insurance. No overall euro ceiling is stated for costs incurred abroad; costs incurred in the Netherlands after the trip, as a consequence of the accident/illness, are capped at €1,250 and must arise within one year of the accident or onset of illness. Only available combined with the Ongevallen module.
Emergency medical treatment
Optional
No limit stated
Emergency treatment abroad is covered as part of the 'geneeskundige kosten' under Module Medische kosten (doctor visits, prescribed treatment and medicines), reimbursed at cost price for the duration of the trip; no separate euro ceiling is stated for this specific sub-item.
Hospitalization
Optional
No limit stated
Hospital admission and operation costs are explicitly listed as covered under Module Medische kosten's 'geneeskundige kosten', reimbursed at cost during the trip; cover continues if you must stay longer in a foreign hospital than the trip/policy duration. No separate euro ceiling is stated.
Outpatient treatment
Optional
No limit stated
Outpatient treatments, examinations, bandages and prescribed medicines are covered under Module Medische kosten's 'geneeskundige kosten' at cost price; no separate euro ceiling is stated for this sub-item.
Emergency dental treatment
€500
Dental treatment needed as a result of an accident during the trip is covered up to €500 per insured person, provided the treatment takes place within one year of the accident. Covered costs include treatment by (dental) practitioners, required X-rays, prescribed medicines, and repair of dentures/artificial dental elements.
Medical transport
Optional
No limit stated
Module Hulpverlening covers necessary transport costs to and from a doctor or hospital, and extra travel costs for the insured and a companion, subject to the general reimbursement scale (e.g. €0.24 per extra km by car, lowest class for public transport). No lump-sum ceiling is stated; only available combined with Module Bagage.
Medical evacuation
Optional
No limit stated
Module Hulpverlening covers necessary extra transport costs (including by ambulance or air ambulance where medically necessary) for the insured and, if needed, a companion to travel home when ill or injured, with costs assessed and approved by the Alarmcentrale. No lump-sum ceiling is stated.
Repatriation of remains
Optional
No limit stated
If an insured person dies abroad, Module Hulpverlening covers the necessary transport costs to bring the deceased to the Netherlands (including the required coffin), or, alternatively, local burial/cremation costs up to the amount that repatriation to the Netherlands would have cost. Also covers transport/accommodation costs for two next of kin and a companion. Requires prior notification to and approval from the Alarmcentrale.
Search and rescue
Optional
No limit stated
Module Hulpverlening covers the necessary search, rescue and recovery actions carried out by or on behalf of the competent authorities if the insured has an accident or goes missing, provided the action has a reasonable chance of success and there is a reasonable chance the person is still alive. No lump-sum ceiling is stated.
COVID-19 treatment
No limit stated
The provided policy terms do not mention COVID-19 or any pandemic-specific treatment provision separately from general illness cover.
Pre-existing conditions
Excluded
Costs of treatment are excluded if it was already known at the start of the policy or the trip that treatment would be needed during the trip, or if the insured was already ill or had a condition causing foreseeable complaints during the trip, or was already being treated abroad for it before the trip started.
Winter sports cover
Optional
Module Wintersport extends the cover of other modules taken out (e.g. Hulpverlening, Bagage) to alpine skiing, ski-bobbing, ski touring, mono-skiing, snowboarding, swingbo, telemark, surf-skiing and glacier skiing on marked slopes, and reimburses unused pre-paid ski passes/lessons/rental equipment if illness, accident or death prevents use. Medical costs during winter sports are only covered if Module Medische kosten is also taken out. No separate euro ceiling for the module itself.
Adventure/special and dangerous sports cover
Excluded
'Bijzondere sporten' (e.g. rafting, canyoning, kitesurfing, parachuting, parasailing, hang-gliding, bungee jumping, off-piste skiing under guidance) and 'gevaarlijke sporten' (e.g. mountaineering/abseiling off marked paths, combat sports, motorised sports and races, horse racing, ice-sailing, (semi-)professional sport) are explicitly never covered under this policy.
Pregnancy complications
Conditional
Costs related to an existing pregnancy are excluded from Module Medische kosten, but costs resulting from unforeseeable complications of an existing pregnancy are covered, provided the complications could not have been foreseen and treatment could not be postponed until return to the Netherlands.
Liability for rented accommodation
Optional
Under Module Bagage, 'Aansprakelijkheid verblijf' covers liability for damage to a rented holiday accommodation or its inventory, up to the amount stated on the policy schedule (polisblad) per insured per event; it excludes damage to a camper, (touring) caravan or (aircraft/water) vessel. This is accommodation-specific liability, not a general third-party liability cover.
Legal assistance
No limit stated
The Doorlopende Reisverzekering (UNDR-02) module list (Hulpverlening, Bagage, Medische kosten, Ongevallen, Wintersport, Pechhulp, Annulering, Zelf samengestelde reis) does not include a legal assistance/Reisrechtsbijstand module.
24/7 assistance helpline
Optional
The Alarmcentrale (+31 26 400 2390) is available 24 hours a day, 7 days a week for urgent and less urgent assistance; it determines which help is given and which costs are reimbursed. Costs of contacting the Alarmcentrale are always reimbursed in full. Actual assistance and reimbursements depend on the modules taken out (Hulpverlening for personal assistance, Pechhulp for vehicle breakdown).
Key conditions
Assistance call deadline
You must contact the Alarmcentrale as soon as possible in case of hospitalisation, longer outpatient treatment, or before incurring costs requiring prior approval; medical costs, emergency assistance and repatriation are only covered if this contact was made and approval given.
Unauthorized treatment
Costs not covered by the policy but advanced by Nationale-Nederlanden or the Alarmcentrale must be repaid within 30 days; late payment triggers statutory interest and collection costs from the 31st day after the invoice date.
Purchase while abroad
Not addressed in the provided policy terms; the policy can only be taken out by persons who live in the Netherlands and are registered in the Dutch population register.
Chronic conditions
Costs are excluded if you already had a chronic illness or condition before the trip that caused foreseeable complaints during the trip, or if you were already being treated for it abroad before the trip began.
Pregnancy
Costs related to an existing pregnancy are excluded, but costs of unforeseeable pregnancy complications are covered if treatment cannot be postponed until you return to the Netherlands.
Pre-existing condition exclusions
Medical treatment costs are excluded if, at the start of the trip or the policy, it was already known or foreseeable that the treatment would be needed.
Coverage duration limit
The maximum insured trip duration is 90 consecutive days; if illness or injury unexpectedly prevents your return within that period, cover continues until you are able to travel home.
Policy specifics
Medical costs abroad
Coverage for emergency and unexpected medical treatment costs incurred abroad, supplementary to Dutch health insurance (zorgverzekering), available as optional module
SourceTrip cancellation
Optional module covering trip cancellation and interruption costs due to unforeseen events; multiple coverage limits available (€1,500 to €20,000)
SourceInsurers' association documentBaggage and travel documents
Base coverage for loss, theft, or damage to luggage and travel documents during trips; enhanced coverage for winter sports equipment available
SourceEmergency assistance and repatriation
24/7 assistance through NN Alarmcentrale for accident, illness or death abroad; covers medical transportation and repatriation costs; includes family assistance expenses
SourceAccidental death and disability
Optional module providing lump-sum benefits for death (€37,500) or permanent disability (up to €80,000) caused by accident during trip
SourceInsurers' association documentRoadside and vehicle assistance
Optional module covering breakdown assistance for vehicles (caravan, camper, motorhome) during travel in Europe when driver becomes incapacitated
SourceMedical costs module requires Accident module
The Module Medische kosten can only be taken out in combination with the Module Ongevallen.
SourceAssistance module requires Baggage module
The Module Hulpverlening (assistance) can only be taken out in combination with the Module Bagage.
SourcePost-trip medical costs in the Netherlands
Medical costs incurred in the Netherlands after the trip, as a result of an accident or illness during the trip, are reimbursed up to €1,250, within one year of the illness onset or accident date.
SourceTrip duration limits
Maximum single trip duration of 90 or 180 consecutive days (insured must choose at inception)
SourceInsurers' association documentGeographic coverage areas
Insured must select either Europe (including Azores, Madeira, Canary Islands, Turkey, Greenland and Mediterranean non-EU countries) or Worldwide coverage at policy inception
SourceDutch health insurance requirement
Medical costs and accident coverage modules require insured person to hold valid Dutch health insurance (zorgverzekering) at time of claim
SourceAlarmcentrale authorization requirement
Claims for medical costs, emergency assistance and certain emergency expenditures require prior authorization or notification to NN Alarmcentrale for coverage confirmation
SourceHigh-risk sports exclusion
Accidents caused by dangerous sports (mountaineering, parachuting, off-piste skiing) or reckless behavior, alcohol/drug use are excluded from standard and accident coverage
SourceWar, unrest and catastrophe exclusion
No coverage for losses or assistance costs arising from war, riots, rebellion, insurrection, civil unrest, or natural/nuclear disasters
SourceInsurers' association documentMinimum Dutch residence requirement
Insured must maintain fixed residence and domicile in Netherlands; policy terminates if insured relocates abroad for more than 2 months
SourceExclusion of special and dangerous sports
Accidents and damage during special sports (e.g. rafting, canyoning, kitesurfing, parachuting, off-piste skiing) and dangerous sports (e.g. mountaineering, combat sports, motorised speed sports) are never covered.
Source