Univé Cooperative U.A.
Univé
Univé is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
In most cases you pay costs yourself and later submit a claim with receipts for reimbursement; for urgent assistance such as medical transport, hospitalisation, repatriation or vehicle breakdown, the Univé Alarmcentrale must be contacted in advance and it can arrange and directly settle these costs.
Geographic scope
Selectable: Netherlands-Belgium-Germany, Europe (incl. Mediterranean countries), or Worldwide
Depending on the option chosen on the policy, cover applies in (1) the Netherlands, Belgium and Germany, (2) Europe plus the Azores, Canary Islands, Madeira, Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia and Turkey, or (3) worldwide. For trips within the Netherlands at least one night of paid accommodation at a business must be booked.
Unique selling points
- 24/7 emergency assistance via the Univé Alarmcentrale, which can arrange and directly coordinate urgent medical transport, hospitalisation and repatriation.
- Every Univé policyholder gets free, unlimited access to the Univé Cyberhelpdesk to help prevent or limit cybercrime damage, day and night.
- Medical costs abroad are topped up above your Dutch health insurance with no separate euro ceiling stated, covering treatment for up to a full year from the start of care.
- Fully modular policy: choose your own coverage area (NL-BE-Germany, Europe or Worldwide), maximum trip length (60 or 180 days) and baggage sum insured (€1,000/€2,500/€3,500).
- Children up to and including 4 years old can be insured free of charge on the travel policy.
Coverage limits
Medical expenses abroad
Optional
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.
Emergency medical treatment
Optional
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.
Hospitalization abroad
Optional
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.
Outpatient treatment
Optional
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.
Emergency dental costs
€500
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.
Medical transport
Covered
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.
Medical evacuation by air ambulance
Covered
Return to the Netherlands by air ambulance, together with medical escort, is covered at actual cost when medically necessary and pre-approved by Univé.
Repatriation of remains
Covered
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.
Search and rescue
unlimited
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.
COVID-19 treatment
No limit stated
Not mentioned in the 2024 terms and conditions as a separate item.
Pre-existing conditions
Excluded
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 cover
Optional
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.
Adventure / high-risk sports cover
Excluded
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.
Pregnancy complications
Optional
Costs relating to pregnancy itself are excluded, but complications resulting from pregnancy are covered under the optional medical costs module; abortion costs are excluded.
Personal liability
No limit stated
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.
Legal assistance
No limit stated
Not included in the 2024 doorlopende reis- en annuleringsverzekering (no legal-aid chapter appears in the current terms).
24/7 emergency assistance
Covered
The Univé Alarmcentrale (+31(0)592-34 81 12) is reachable day and night for direct assistance in case of illness, accident, breakdown, or the need for repatriation or replacement transport.
Key conditions
Assistance call deadline
There is no fixed number of hours for reporting illness, but you must contact the Univé Alarmcentrale for prior approval before incurring most emergency or assistance costs; a death must be reported to Univé at least 48 hours before the funeral or cremation.
Unauthorized treatment
Costs for assistance, transport, hospitalisation or repatriation that are incurred without prior approval from the Univé Alarmcentrale are not reimbursed.
Purchase while abroad
Cover only starts from the moment you leave your home address in the Netherlands to begin the trip, so the policy effectively cannot provide cover for a trip that is already underway abroad.
Chronic conditions
Illnesses, conditions and accidents that already existed before the policy started or before you departed on the trip are excluded, as are treatments that had already begun before the policy's inception.
Pregnancy
Costs related to pregnancy itself are not covered, but complications arising from pregnancy are covered under the optional medical costs module; abortion costs are excluded.
Pre-existing condition exclusions
Pre-existing illnesses, conditions or accidents present before the insurance started or before departure are excluded from the medical costs module.
Coverage duration limit
Trips are covered for a maximum of 60 consecutive days, extendable to 180 consecutive days if this is stated on the policy; medical costs abroad are reimbursed for a maximum of one year from the start of treatment.
Where to buy
Policy specifics
Medical expenses abroad
Coverage for emergency medical treatment costs abroad that exceed Dutch healthcare tariffs
SourceTrip cancellation/interruption
Reimbursement for non-refundable travel costs if trip is cancelled or interrupted due to covered reasons
SourceLuggage and baggage
Coverage for lost, stolen, or damaged luggage and personal belongings during travel
Source24/7 Emergency assistance
24/7 emergency assistance from Univé Alarmcentrale for urgent medical or travel emergencies
SourceFlexible travel duration
Choice of maximum consecutive travel duration: 60 days or extended to 180 days maximum
SourceGeographic coverage zones
Choice of coverage area: Netherlands-Belgium-Germany, Europe, or Worldwide coverage
SourcePrior Alarm Center approval required
For most emergency medical and assistance costs, policyholder must obtain prior approval from Univé Alarmcentrale before incurring expenses
SourcePermanent residential address in Netherlands required
Policyholder must have a permanent residential address in the Netherlands as a legal requirement for coverage
SourceWinter sports optional coverage
Winter sports activities require explicit optional coverage selection; standard policies may exclude or limit winter sports
SourceMaximum consecutive trip duration
Default maximum consecutive travel duration is 60 days; extended to 180 days with optional upgrade
SourceDomestic coverage requires accommodation booking
For travel within the Netherlands, insurance is only valid if at least one night of paid accommodation is booked
SourceSingle policy per trip limitation
Policyholder may not have multiple travel insurance policies for the same trip; maximum one policy per trip
Source