Pending review

ONVZ Travel insurance (Wereldfit)

Underwritten by ONVZ Zorgverzekeraar · Netherlands

travel insurance from ONVZ for the Netherlands market, with online purchase and 24/7 assistance.

Verified Sep 2, 2026 · Terms dated 2026Sources

Online purchase24/7 helpline

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

Covered

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.

Page 1

Section: Wat is verzekerd? > Spoedeisende zorg in het buitenland

Wij vergoeden de kosten volledig tot buitenlands wettelijk of marktconform tarief.

Covered

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.

Insurers' association documentPage 1

Section: Wat is verzekerd? > Spoedeisende zorg in het buitenland

Heeft u spoedeisende zorg in het buitenland nodig? Dan krijgt u een extra vergoeding, bovenop de basisverzekering.

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.

Insurers' association document

Outpatient treatment

No limit stated

Not separately itemized in the reviewed sources for Wereldfit.

Insurers' association document

Emergency dental care

No limit stated

Not mentioned as part of Wereldfit; dental cover is provided under the separate Tandfit products.

Covered

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.

Covered

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.

Insurers' association documentPage 1

Section: Wat is verzekerd? > Repatriëring

U krijgt een vergoeding van 100% voor repatriëring bij ernstige ziekte of een ongeval. Ook krijgt u vergoeding van verblijf en vervoer als repatriëring medisch noodzakelijk is, maar nog niet mogelijk is.

Covered

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.

Page 2

Section: Vergoeding bij overlijden

U ontvangt 100% vergoeding voor repatriëring van het stoffelijk overschot. Of u ontvangt maximaal € 7.500 voor uitvaart ter plaatse en overkomst van familieleden.

Covered

Search and rescue

Covered

No limit stated

Search and rescue (opsporing en redding) abroad is covered under Wereldfit.

Section: Acute zorg nodig? Overal ter wereld verzekerd

Met onze aanvullende verzekering Wereldfit bent u uitstekend verzekerd voor onverwachte en spoedeisende hulp in het buitenland. Net als voor repatriëring, eerder terugkomen, opsporing en redding.

Covered

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.

Pre-existing conditions

No limit stated

Not addressed in the reviewed sources for Wereldfit.

Winter sports cover

No limit stated

Not mentioned in the reviewed sources.

Adventure sports cover

No limit stated

Not mentioned in the reviewed sources.

Pregnancy complications

No limit stated

Not clarified for Wereldfit in the reviewed sources.

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.

Covered

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.

Page 1

Section: Wat is verzekerd? > Spoedeisende zorg in het buitenland

U moet bij een opname wel contact opnemen met ONVZ Zorgassistance: +31 (0)88 668 97 67.

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).

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.

Territorial scope

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.

Documents

Policy specifics

Medical repatriation

Transport to a country determined by alarm centre for medical necessity, including medical accompaniment

Source

Section: Dit krijgt u vergoed > Heeft u de aanvullende verzekering Wereldfit of Superfit?

vervoer naar een door onze alarmcentrale Zorgassistance bepaald land, met de medische begeleiding die daarbij nodig is

Emergency care abroad

Full coverage of emergency care up to local statutory or market rate abroad when unexpectedly needed during stay of maximum 1 year

Source

Section: Dit krijgt u vergoed > Heeft u een aanvullende verzekering?

zorgkosten die voor eigen rekening blijven, als de zorg duurder was dan als u de zorg in Nederland had gekregen. Wij vergoeden tot maximaal de wettelijke of marktconforme prijs

Early return from trip

Coverage of additional transport and accommodation costs when unexpected early return is necessary due to illness or family circumstances

Source

Section: Dit krijgt u vergoed > Heeft u een aanvullende verzekering Superfit of Wereldfit?

De aanvullende verzekeringen Superfit en Wereldfit vergoeden dan de extra kosten van vervoer en verblijf, als u vanuit het buitenland eerder moet terugkeren.

Non-prescription medicines

Coverage of medicines registered in Netherlands as non-medicines, up to maximum per calendar year

Source

Section: Dit krijgt u vergoed > Heeft u een aanvullende verzekering?

middelen die in Nederland geregistreerd staan als niet-geneesmiddel tot maximaal € 250 per kalenderjaar bij Wereldfit. Superfit vergoedt maximaal € 350

Death abroad

Full repatriation of mortal remains or maximum €7,500 for local funeral and family travel costs

SourceInsurers' association document

Section: Wat is verzekerd? > Vergoeding bij overlijden

U ontvangt 100% vergoeding voor repatriëring van het stoffelijk overschot. Of u ontvangt maximaal € 7.500 voor uitvaart ter plaatse en overkomst van familieleden.

Replacement 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

Source

Maximum coverage duration abroad

Coverage applies only for stays of maximum 1 year (365 days) abroad

Source

Section: Acute zorg nodig? Overal ter wereld verzekerd > Maximale reisduur van 1 jaar

U bent aanvullend verzekerd met Wereldfit als u voor maximaal 1 jaar naar het buitenland vertrekt.

Alarm centre approval requirement

For certain benefits (repatriation, early return, death abroad), prior contact with ONVZ Zorgassistance is mandatory

SourceInsurers' association document

Section: Wat is verzekerd? > Vergoeding bij overlijden > Extra informatie

U moet vooraf contact opnemen met ONVZ Zorgassistance: +31 (0)88 668 97 67.

Base insurance requirement

Wereldfit can only be purchased as supplement to ONVZ Vrije Keuze base insurance

Source

Section: Goed om te weten > U kunt deze aanvullende verzekering alleen afsluiten in combinatie met de basisverzekering ONVZ Vrije Keuze

Deze kunt u alleen afsluiten in combinatie met de ONVZ Vrije Keuze Basisverzekering.

Unexpected emergency care only

Coverage limited to emergency care not expected before departure and complications of pregnancy if unforeseen

Source

Section: Dit krijgt u vergoed > Regeling bij zwangerschap en bevalling

Wereldfit of Superfit vergoedt de zorg voor die complicaties als deze niet te voorzien waren.

Deductible/excess not covered

Wereldfit does not reimburse the mandatory or voluntary eigen risico (deductible) of the Dutch health insurance, unlike some travel insurers' medical modules.

Source

Section: Heb ik dan nog een reisverzekering nodig?

Houd er wel rekening mee dat er reisverzekeraars zijn die uw verplichte (en soms vrijwillige) eigen risico vergoeden onder deze module. Wereldfit vergoedt dit niet.

Sources

ONVZ Travel insurance