Verzekeruzelf.nl B.V.
Verzekeruzelf
Verzekeruzelf is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Not stated in the reviewed sources.
Geographic scope
Worldwide, with the policyholder choosing the insured area for each trip
Within the Netherlands, cover applies only to booked holidays or when a stay in the Netherlands is part of a trip abroad.
Starting price
€2
Indicative — pricing assumptions not stated
Unique selling points
- Travel insurance starts from as little as €2.09 per month.
- No deductible applies to the base assistance coverage, unlike many optional modules at other insurers.
- Policyholders always receive help from the insurer's own 24/7 alarm centre in case of accident or illness.
- Three selectable base packages (Basis, Comfort, Optimaal) let customers tailor cover so they never pay for more than they need.
Coverage limits
Medical expenses
Conditional
The medical expenses cover is a supplement to the policyholder's Dutch health insurance; if the policyholder has no Dutch health insurance, this cover does not apply. The insured amount depends on the chosen base package (Basis/Comfort/Optimaal).
Emergency medical treatment
Conditional
No limit stated
Not distinguished as a separate benefit from the general 'Geneeskundige kosten' (medical expenses) module in the reviewed sources.
Hospitalization
No limit stated
Not stated as a distinct benefit in the reviewed sources.
Outpatient treatment
No limit stated
Not stated as a distinct benefit in the reviewed sources.
Emergency dental treatment
No limit stated
Not stated in the reviewed sources.
Medical transport
Covered
In the event of an accident or illness, the insurer arranges and covers transport home for the insured; no maximum amount is stated.
Medical evacuation
Covered
The insurer's 24/7 alarm centre arranges assistance and evacuation-related transport in case of accident or illness; no maximum amount is stated.
Repatriation of remains
Covered
In the event of an accident or illness, the insurer arranges and covers repatriation; no maximum amount is stated.
Search and rescue
No limit stated
Not stated in the reviewed sources.
COVID-19 treatment
No limit stated
Not stated in the reviewed sources.
Pre-existing conditions
No limit stated
Not stated in the reviewed sources for this specific product.
Winter sports cover
Optional
Optional add-on for skiing and snowboarding that also covers the policyholder during winter sports activities.
Adventure sports cover
No limit stated
Not stated for this product line in the reviewed current sources.
Pregnancy complications
No limit stated
Not stated in the reviewed sources.
Legal assistance
Optional
Optional add-on covering legal advice and legal assistance in case of legal disputes while traveling.
24/7 assistance
Covered
The policyholder always receives help from the insurer's alarm centre in the event of an accident or illness.
Key conditions
Assistance call deadline
Not stated in the reviewed sources.
Unauthorized treatment
Not stated in the reviewed sources.
Purchase while abroad
Not stated in the reviewed sources.
Chronic conditions
Not stated in the reviewed sources.
Pregnancy
Not stated in the reviewed sources.
Pre-existing condition exclusions
Not stated in the reviewed sources.
Coverage duration limit
The base cover is valid year-round; the maximum duration of a single trip depends on the chosen base package, but the exact per-package limits are not stated in the reviewed current sources.
Policy specifics
Medical expenses as supplement to health insurance
Medical costs coverage is supplementary to the policyholder's Dutch health insurance and does not apply if no health insurance is held in the Netherlands
SourceInsurers' association documentRepatriation and family assistance
Upon accident or illness, the insurer arranges and covers transportation home, family assistance, and repatriation services
SourceInsurers' association documentBaggage coverage with tiered deductibles
Maximum baggage coverage up to €6,000 per trip with deductibles varying by package level: Basic €100, Comfort €50, Optimal €0
SourceInsurers' association documentWinter sports and special sports coverage
Optional coverage for damage during winter sports (skiing, snowboarding) and other special sports activities
SourceInsurers' association documentVehicle breakdown assistance
Assistance covered for breakdowns of own vehicles including cars, caravans, campers, and motorcycles during travel
SourceInsurers' association documentBaggage deductible varies by package
The deductible for baggage cover depends on the chosen package: Basis €100.00, Comfort €50.00, Optimaal €0.00.
SourceInsurers' association documentMaximum trip duration per journey
Travel duration varies by package: Basic up to 60 days, Comfort up to 90 days, Optimal up to 180 days per single trip
SourceInsurers' association documentGeographic coverage area selection
Policyholder selects geographic coverage: Europe or World coverage for each trip
SourceInsurers' association documentNetherlands domestic travel restriction
Within Netherlands, coverage applies only to booked vacations or when domestic stay is part of an international trip
SourceInsurers' association documentFamily member coverage eligibility
Policyholder can cover themselves and family members, including adult children up to age 27 who are study-dependent or living at home
SourceInsurers' association documentNo deductible on base assistance coverage
The basic assistance and emergency help coverage has no deductible; deductibles apply only to optional additional modules
Source