OHRA
OHRA is a travel insurance for the NL market with online purchase and 24/7 assistance.
Direct payment
In emergencies, the OHRA Hulpdienst will advance hospital costs abroad if a guarantee is provided that the advance will be repaid as soon as possible after returning home, or if the Dutch basic health insurance (Basis Zorgverzekering) covers the costs. The OHRA Hulpdienst will also contact the health insurer to arrange direct payment of medical costs.
Geographic scope
NL
Worldwide (Europa en werelddekking beschikbaar); binnen Nederland alleen bij minimaal één betaalde overnachting
Unique selling points
- Unlimited reimbursement for medically necessary doctor visits, hospitalisation, surgery, and prescribed treatments abroad – no coverage cap on the core medical benefit.
- Winter sports is included in the base package of the Doorlopende Reisverzekering at no extra cost, covering early return costs (ski passes, lessons, equipment hire) due to illness or accident.
- 24/7 assistance helpline (OHRA Hulpdienst) included in all policies, with emergency cost advance available for hospital admissions abroad.
- Search, rescue, and recovery costs are fully covered as part of the base package when the insured goes missing or has an accident abroad.
- The policy covers up to 365 consecutive travel days per year, making it suitable for extended stays abroad including internships and study periods.
Coverage limits
Medical expenses (Module Geneeskundige Kosten)
Optional
Optional module covering medically necessary treatment costs abroad that are not reimbursed by the Dutch basic health insurance (Basis Zorgverzekering), including when costs exceed Dutch reimbursement limits or fall below the deductible. Covers doctors, hospitalisation and surgery, prescribed treatments and examinations, and first prostheses required after an accident. Reimbursement is unlimited for doctor visits, hospitalisation, and prescribed treatments.
Emergency medical treatment
Optional
Unlimited reimbursement for medically necessary and reasonable emergency treatment abroad (doctor visits, hospitalisation, surgery, prescribed treatments and examinations), covered under the optional Module Geneeskundige Kosten, subject to prior approval from the OHRA Hulpdienst.
Hospitalisation and surgery
Optional
Unlimited coverage for hospitalisation and surgery abroad under the optional Module Geneeskundige Kosten, provided costs are medically necessary, reasonable, and approved by the OHRA Hulpdienst. Coverage also continues after the trip if the insured must remain in a foreign hospital beyond the trip duration.
Outpatient treatment
Optional
Unlimited reimbursement for outpatient doctor visits, prescribed treatments, examinations and medicines abroad under the optional Module Geneeskundige Kosten, subject to medical necessity and approval by the OHRA Hulpdienst.
Emergency dental treatment (after accident)
Optional
Reimbursement up to €500 per insured person per trip for dental treatment required as a result of an accident during the trip, including X-rays and prescribed medication, under the optional Module Geneeskundige Kosten. Treatment must take place no later than 365 days after the accident.
Medical transport / repatriation (personal assistance)
Covered
Included in the base package (Basispakket) under 'Persoonlijke hulpverlening': the OHRA Hulpdienst arranges and pays for transport of the insured or their remains back to their home address in the Netherlands when the insured is seriously ill or has an accident. Also covers extra travel and accommodation costs for co-insured travel companions, and one accompanying person for support if necessary.
Medical evacuation
Covered
The OHRA Hulpdienst arranges and pays for medical evacuation (repatriation to the Netherlands) when medically necessary, as part of the base package Persoonlijke hulpverlening. Must be arranged via the OHRA Hulpdienst; the insured may not independently arrange assistance.
Repatriation of remains
Covered
The OHRA Hulpdienst arranges and pays for transport of remains back to the insured's home address in the Netherlands. If next of kin choose local burial or cremation instead, costs are reimbursed up to the amount that would have been saved by not repatriating, but never more than €5,700. Included in the base package.
Search, rescue and recovery
Covered
Included in the base package: if the insured goes missing or has an accident, the OHRA Hulpdienst arranges and pays for search, rescue and recovery by a competent authority.
COVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned in the policy terms. Medical treatment for COVID-19 would fall under the optional Module Geneeskundige Kosten if the illness arose unexpectedly during the trip and the insured did not know treatment would be required before departure, consistent with the general conditions of medically necessary treatment abroad.
Pre-existing conditions
Excluded
Medical costs for treatment of conditions that existed before or on the start date of the trip, or that were already known to be required during the trip, are explicitly excluded under the Module Geneeskundige Kosten. Similarly, personal assistance (Persoonlijke hulpverlening) is excluded for events related to a condition for which the insured was already being treated abroad before the trip or intended to be treated abroad.
Winter sports coverage
Covered
Winter sports is included in the base package of the Doorlopende Reisverzekering (DR2310): if the insured must return home early due to an accident or acute illness during a winter sports holiday, costs for ski passes, ski lessons, and ski equipment hire already paid for at the destination are reimbursed for the unused days. Medical costs during winter sports require the optional Module Geneeskundige Kosten.
Adventure/high-risk sports coverage
Excluded
High-risk sports (risicovolle sporten) are explicitly excluded from all coverage. These include mountain climbing, abseiling, rafting, canyoning, kitesurfing, parachuting, parasailing, hang-gliding, ultralight flying, bungee jumping, and combat sports. No optional add-on for adventure sports is available under this product.
Pregnancy complications
Conditional
Costs arising from complications of an existing pregnancy are covered under the Module Geneeskundige Kosten, provided the complications were unforeseeable and it was not possible to postpone treatment until after return to the Netherlands. Routine costs related to a known pregnancy are excluded. Pregnancy complications are also a valid reason for trip cancellation under the Module Annulering.
Liability for accommodation (Aansprakelijkheid logiesverblijven)
Covered
Included in the base package: coverage up to €1,250 per event for damage to rented holiday accommodation or its inventory for which the insured is liable. Does not cover damage to a (camper) car or (air) vessel.
Legal assistance
Not offered
Legal assistance is not mentioned as a coverage in the OHRA Doorlopende Reisverzekering DR2310 policy terms. No legal assistance module is offered under this product.
24/7 assistance helpline (OHRA Hulpdienst)
Covered
The OHRA Hulpdienst is available 24 hours a day for medical emergencies and personal assistance. Reachable via +31 26 400 2310. The helpline determines what assistance is provided and what costs are reimbursed. The insured must always contact the Hulpdienst first and may not independently arrange assistance. Included in all OHRA Reisverzekering policies.
Key conditions
Assistance call deadline
The insured must contact the OHRA Hulpdienst as soon as possible in the event of an emergency. Failure to comply with this obligation may result in no assistance being provided and no costs being reimbursed. For the Module Geneeskundige Kosten, medical costs must be incurred with the prior approval of the OHRA Hulpdienst.
Unauthorized treatment
If the insured does not contact the OHRA Hulpdienst as required, or arranges their own assistance without authorisation, the OHRA Hulpdienst may refuse to provide or continue assistance and refuse to reimburse costs. The insured is also obliged to fully cooperate with the assistance process.
Purchase while abroad
The policy must be taken out before departure. It is not possible to take out or expand the insurance while already on a trip abroad (during the trip you cannot expand the coverage). The insurance is valid for recreational travel and also for internships or study abroad.
Chronic conditions
Chronic diseases or pre-existing conditions that existed before or on the start date of the trip are excluded under the Module Geneeskundige Kosten. If it was already known before the trip that medical treatment would be required during the trip, no reimbursement is available.
Pregnancy
Costs related to a known/existing pregnancy are not covered under the Module Geneeskundige Kosten. Complications of an existing pregnancy are covered, provided the complications were unforeseeable and treatment could not be postponed until after return to the Netherlands. Pregnancy complications are also a valid reason for cancellation under the Module Annulering.
pre_existing_conditions
Medical costs for conditions that existed before or on the start date of the trip, or for which treatment was already known to be required, are explicitly excluded. Personal assistance (Persoonlijke hulpverlening) is also excluded for events related to a condition for which the insured was already being treated or intended to be treated abroad before the trip.
coverage_duration_limit
The insured is covered for a maximum of 365 consecutive travel days. If the trip unexpectedly lasts longer due to circumstances beyond the insured's control, coverage continues for as long as that situation persists. In the Netherlands, coverage applies only for booked trips with at least one paid overnight stay.
Where to buy
Policy specifics
Repatriation
Medical repatriation (transport back to Netherlands) is included in the base coverage when arranged through CZ Helpline
Baggage and travel documents coverage
Coverage for damage, theft or loss of travel baggage and travel documents. Available in three tiers: Basis (€1,250), Plus (€2,500), or Top (€5,000) per incident
Trip cancellation and interruption
Optional additional coverage for costs if travel must be cancelled or interrupted due to valid reasons
Accident coverage
Optional fixed benefit payment if traveler sustains injury during trip resulting in permanent disability or death
24/7 travel medical assistance
24/7 assistance helpline for medical emergencies, advice, and help finding doctors and hospitals abroad
Netherlands residence requirement
Policyholder must be resident of the Netherlands. Coverage ceases if policy holder ceases to be registered as resident
Travel advice exclusion
Coverage is limited if destination has negative travel advice (orange or red code) from Dutch Ministry of Foreign Affairs before departure
Age limitations
Children under 5 years are free to insure on parent policy; maximum continuous travel duration is 12 months
High-risk sports exclusion
Coverage for claims from high-risk sports (off-piste skiing, extreme sports) requires specific winter sports or accident module