Univé Travel insurance (Doorlopende Reisverzekering)

Optional top-up module covering doctors', hospital, treatment and medicine costs abroad on top of your Dutch health insurance. Only available if you hold a Dutch zorgverzekering, and only pays for costs exceeding what that insurer already covers. No separate euro ceiling is stated; costs are reimbursed from the first day of treatment for up to one year.

Costs of doctors and specialists, and prescribed treatments, are covered under the optional medical costs module, provided treatment happens in a way that is normal for that country and given by recognised care providers; no separate euro ceiling is stated for treatment abroad.

Hospital admission costs abroad are covered under the optional medical costs module on top of your Dutch health insurance, with no separate euro ceiling stated, for up to one year from the first day of treatment.

Doctor consultations, prescribed medicines and outpatient treatment abroad are covered under the same optional medical costs module, above your Dutch health insurance, with no separate euro ceiling stated.

Dental costs following an accident abroad, including follow-up treatment in the Netherlands within a year, are reimbursed up to €500; dental costs for other emergency (non-accident) treatment abroad are reimbursed up to €250.

Univé pays for necessary transport to the nearest doctor or hospital and back to your accommodation, plus a return trip home by ambulance, taxi or public transport if medically necessary; extra accommodation costs incurred while receiving treatment are capped at €80 per insured person per day.

Return to the Netherlands by air ambulance, together with medical escort, is covered at actual cost when medically necessary and pre-approved by Univé.

If the insured dies from a covered illness or accident, Univé pays the costs of transporting the body to the home town, the inner coffin, and the documents required for transport. No monetary ceiling is stated.

Univé explicitly states it pays all costs required by the local authorities to search for and/or rescue the insured, including cases where authorities merely suspect an accident.

Not mentioned in the 2024 terms and conditions as a separate item.

Illnesses, conditions and accidents that were already present before the insurance started or before you departed, and treatments already begun before the policy's inception, are excluded from the medical costs module.

Winter sports abroad are only covered if this is explicitly selected and shown on the policy (extra premium applies). Winter sports during a trip within the Netherlands are covered as standard.

The accident (death/permanent invalidity) benefit excludes 'risicovolle sporten', defined as: climbing sports and mountain tours (unless suitable for an untrained person), speed skiing, heli-skiing, freestyle figure jumping, para-skiing, ski-jöring, summer skiing, ski-flying, competing in or training for combat sports, whitewater rafting grade 4 or 5, cave diving/speleology, kitesurfing, cliff diving, piloting an aircraft (incl. ultralight flying), tokkelen (zip-lining) and zorbing.

Costs relating to pregnancy itself are excluded, but complications resulting from pregnancy are covered under the optional medical costs module; abortion costs are excluded.

General personal liability cover is not part of this travel policy (it is a separate Univé product); this policy only covers damage caused to rented holiday accommodation, up to €500.

Not included in the 2024 doorlopende reis- en annuleringsverzekering (no legal-aid chapter appears in the current terms).