VvAA Travel insurance (Doorlopende Reisverzekering)

Reimburses medically necessary treatment costs abroad at cost price (kostprijs), but only supplementary to the insured's own Dutch health insurance (zorgverzekering) — the insured must already have Dutch health cover and can only claim the part not reimbursed by it. A deductible of €50 per event applies (none under the Top tier). Costs from winter sports or special sports are excluded unless Rubriek D is also insured. Pre-existing/chronic conditions and treatments planned before departure are excluded.

Covers doctor's fees, prescribed medicines/dressings, ambulance/taxi/own-vehicle transport to hospital or doctor (€0,20/km for own vehicle), a prosthesis fitted after an accident, and X-rays, reimbursed at cost price, subject to the same zorgverzekering-first condition as medical_expenses.

Nursing and treatment costs, including surgery, during hospital admission abroad are reimbursed at cost price, supplementary to the Dutch health insurer. Follow-up treatment in the Netherlands after a foreign accident is separately capped at €1.000 (Basis), €2.000 (Comfort) or €3.000 (Top), provided at least one treatment abroad occurred and costs are incurred within 365 days.

Doctor consultations, examinations and prescribed medicines/dressings outside hospital admission are reimbursed at cost price, subject to the same zorgverzekering-first eligibility as other Rubriek C medical costs.

Necessary dental treatment following an accident or acute inflammation, reimbursed up to €350 (Basis), €700 (Comfort) or €1.250 (Top) per insured per trip; not covered if treatment could safely wait until return home.

Transport by ambulance, taxi or own vehicle to/from a hospital or treating doctor is reimbursed at cost price (own-vehicle use at €0,20/km) when public transport is not medically advisable, part of the Rubriek C medical-cost bucket.

Artsen Alarm Service (AAS) organizes and pays for medical repatriation to the Netherlands at cost price when medically necessary, provided the stay abroad does not exceed 6 consecutive months, treatment was not the purpose of the stay, and the need was unforeseeable at departure.

At cost price, AAS arranges local formalities and repatriation of a deceased insured to the Netherlands. If the deceased is not repatriated, AAS instead reimburses local burial/cremation costs plus family travel costs, capped at €6.000 (equal to what repatriation would have cost).

If the insured is reported missing, costs of search, rescue, salvage and transport carried out by or under the local competent authorities are reimbursed up to a maximum of €25.000 per insurance year, regardless of the number of insureds involved, same limit across all tiers.

Not addressed as a distinct benefit in the reviewed policy conditions.

Excludes medical/dental costs related to an illness, disorder or condition that already existed or caused complaints on or before the start of the trip, and costs from illnesses under treatment abroad before the trip began.

Optional add-on (extra premium) unlocking baggage/assistance/medical cover (Rubriek A/B/C) while practising winter sports abroad, plus reimbursement at cost price of unused ski passes, lessons and rented ski equipment if cut short by accident/illness. Recreational cross-country skiing, skating, sledging and diving are covered by default without this rider; certain high-risk winter sports are excluded even with the rider.

Same optional Rubriek D rider extends baggage/assistance/medical cover to many 'special sports' (e.g. certain diving, climbing, watersports) listed in the policy annex; a defined list of the highest-risk activities (e.g. bobsleigh, base jump, off-piste skiing without a guide) remain excluded from medical cover even with this rider, retaining only baggage and assistance cover.

Rubriek C (medical costs) does not separately address pregnancy; unexpected pregnancy complications are mentioned only as a ground for trip cancellation (Rubriek G), a different subtype not covered by this record.

Covers the insured's liability for damage caused to rented holiday accommodation and/or its inventory, up to €500 (Basis), €1.000 (Comfort) or €1.500 (Top) per event, minus a €50 deductible (none under Top). This is limited to rented-accommodation liability and is not a general third-party/personal liability cover.

Not covered as part of the reviewed Doorlopende reisverzekering conditions (a separate VvAA legal-expenses product is referenced on the service site but is out of scope here).