ONVZ Ziektekostenverzekeraar N.V.
ONVZ
ONVZ is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
For contracted healthcare providers ONVZ generally settles costs directly; for non-contracted providers or costs incurred abroad, the policyholder submits the invoice via the ONVZ app or MijnONVZ and is reimbursed. Policy documents, invoices and claim statements are provided digitally only.
Geographic scope
Worldwide
Cover applies worldwide for emergency medical care abroad, but only for stays outside the Netherlands of maximum 1 year (365 days); this limit also applies to working abroad while officially residing in the Netherlands.
Unique selling points
- Emergency medical costs abroad are reimbursed in full up to the local foreign statutory or market rate, not just the Dutch tariff.
- Cover applies to stays abroad of up to a full year, well beyond typical short-trip travel insurance limits.
- A dedicated 24/7 ONVZ Zorgassistance alarm centre arranges and coordinates emergency care, transport and repatriation worldwide.
- In case of death abroad, policyholders can choose between full repatriation of remains or a local funeral plus family travel costs up to €7,500.
- Children are co-insured free of charge on the supplementary insurance.
Coverage limits
Medical expenses abroad
unlimited
Full reimbursement of unexpected emergency medical care costs abroad, as a supplement to the base health insurance, up to the foreign statutory or market-standard rate, for trips abroad of maximum 1 year. Registered medicines are reimbursed in full; non-registered medicines up to €250 per calendar year.
Emergency medical treatment
Covered
No limit stated
Not broken out as a separate limit; emergency medical treatment abroad is covered within the general 'emergency care abroad' benefit reported under medical expenses.
Hospitalization
No limit stated
No separate hospitalization limit is specified for Wereldfit; hospitalization abroad falls under the general emergency care abroad benefit and requires prior contact with ONVZ Zorgassistance.
Outpatient treatment
No limit stated
Not separately itemized in the reviewed sources for Wereldfit.
Emergency dental care
No limit stated
Not mentioned as part of Wereldfit; dental cover is provided under the separate Tandfit products.
Medical transport to a care provider
Covered
Transport to a healthcare provider abroad is covered as part of the emergency care abroad benefit; no separate monetary limit is stated.
Medical repatriation / evacuation
unlimited
100% reimbursement for repatriation in case of serious illness or an accident, including reimbursement of stay and transport if repatriation is medically necessary but not yet possible, and transport/stay for one person travelling to the insured. Requires prior contact with ONVZ Zorgassistance and applies only for stays abroad of maximum 1 year.
Repatriation of mortal remains
unlimited
100% reimbursement for repatriation of the mortal remains in case of death abroad. As an alternative, the policyholder may instead choose local funeral costs plus travel costs for family members, up to a combined maximum of €7,500. Additional transport/stay costs for travel companions are also covered (max €150/person/day, up to 30 days; car max €0.27/km; flights economy class). Requires prior contact with ONVZ Zorgassistance.
COVID-19 treatment
Covered
An orange or red travel advisory due to coronavirus does not affect reimbursement under Wereldfit; ordinary emergency-care-abroad terms continue to apply.
Personal liability
No limit stated
Not part of the Wereldfit benefit set; not mentioned in the reviewed sources.
Legal assistance
No limit stated
Legal assistance for personal injury claims (€12,500) exists under the Startfit/Benfit/Optifit/Topfit and OntzorgPlus supplements, but is not listed among the Wereldfit-specific benefits.
24/7 emergency assistance
Covered
ONVZ Zorgassistance alarm centre (+31 (0)88 668 97 67) is reachable day and night to arrange care, transport and repatriation; phone costs made abroad while contacting the alarm centre are reimbursed.
Key conditions
Assistance call deadline
For repatriation, early return, death abroad and replacement-driver benefits, you must contact ONVZ Zorgassistance (+31 (0)88 668 97 67, available day and night) in advance; if you are admitted to hospital abroad you must contact them as soon as possible.
Unauthorized treatment
If you arrange care or transport yourself without contacting ONVZ Zorgassistance, you may receive a lower reimbursement or no reimbursement at all.
Purchase while abroad
Not specified in the available sources.
Chronic conditions
Not specifically addressed for Wereldfit in the available sources.
Pregnancy
Not specifically clarified for Wereldfit in the available sources.
Pre-existing condition exclusions
Not specified in the available sources.
Coverage duration limit
Emergency care abroad, repatriation, early return, death-abroad and replacement-driver benefits are only reimbursed for stays abroad of maximum 1 year (365 days).
Where to buy
Policy specifics
Medical repatriation
Transport to a country determined by alarm centre for medical necessity, including medical accompaniment
SourceEmergency care abroad
Full coverage of emergency care up to local statutory or market rate abroad when unexpectedly needed during stay of maximum 1 year
SourceEarly return from trip
Coverage of additional transport and accommodation costs when unexpected early return is necessary due to illness or family circumstances
SourceNon-prescription medicines
Coverage of medicines registered in Netherlands as non-medicines, up to maximum per calendar year
SourceDeath abroad
Full repatriation of mortal remains or maximum €7,500 for local funeral and family travel costs
SourceInsurers' association documentReplacement driver during a trip
Reimbursement of a replacement driver to bring the insured and vehicle home, or to the nearest suitable domestic location if the vehicle is rented
SourceMaximum coverage duration abroad
Coverage applies only for stays of maximum 1 year (365 days) abroad
SourceAlarm centre approval requirement
For certain benefits (repatriation, early return, death abroad), prior contact with ONVZ Zorgassistance is mandatory
SourceInsurers' association documentBase insurance requirement
Wereldfit can only be purchased as supplement to ONVZ Vrije Keuze base insurance
SourceUnexpected emergency care only
Coverage limited to emergency care not expected before departure and complications of pregnancy if unforeseen
SourceDeductible/excess not covered
Wereldfit does not reimburse mandatory or voluntary excess (deductible) from other travel insurance
Source