Coöperatie Univé U.A., trading as ZEKUR (health products underwritten by VGZ Zorgverzekeraar N.V.)
ZEKUR
ZEKUR is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
ZEKUR does not describe a general cashless/direct-payment network; the 24/7 Alarmcentrale arranges and coordinates direct assistance (e.g. with hospitals) on behalf of the insurer in cases of hospitalisation, serious accident or death, including requesting medical information directly from treating doctors where needed.
Geographic scope
Worldwide, with special conditions for trips within the Netherlands (minimum 1 overnight stay required)
Cover applies worldwide; the policyholder must live in and be registered in the Netherlands to take out or keep the policy.
Unique selling points
- Worldwide continuous cover for trips of up to 180 consecutive days, so you never need to buy a new policy for every holiday.
- Winter sports and underwater sports are included as standard at no extra premium.
- A 24/7 ZEKUR Alarmcentrale coordinates emergency medical help, repatriation and search-and-rescue support.
- The Super ZEKUR Wonen bundle includes the highest baggage cover tier of €3,500 per person per trip automatically, with no separate add-on needed.
- The whole home-insurance bundle, including travel cover, can be quoted and purchased fully online.
Coverage limits
Medical expenses
Conditional
Medical costs are only covered as an excess (excedent) on top of a Dutch health insurance (zorgverzekering); without such cover there is no protection under this section. Abroad, doctor and hospital costs are reimbursed at actual cost (kostende prijs); in the Netherlands doctor/hospital costs are reimbursed up to €1,000 per event. Cover runs for a maximum of 365 days from the start of treatment.
Emergency medical treatment
Conditional
Costs of doctors and emergency hospital treatment abroad are reimbursed at actual cost as an excess above your Dutch health insurance; there is no cover if you have no Dutch zorgverzekering.
Hospitalization
€1,000
Hospitalization costs abroad are reimbursed at actual cost as an excess over your Dutch zorgverzekering; hospitalization/doctor costs incurred in the Netherlands (e.g. on the way to/from the destination) are reimbursed up to a combined €1,000 per event. Maximum 365 days from first treatment.
Outpatient treatment
€1,000
Doctor consultations and outpatient care abroad are reimbursed at actual cost as an excess above your Dutch zorgverzekering; care received in the Netherlands is reimbursed up to a combined €1,000 per event with hospitalization costs.
Emergency dental treatment
€500
Dental costs abroad due to an accident are reimbursed up to €500 (including follow-up treatment in the Netherlands); dental costs for other acute/emergency dental care abroad are also reimbursed up to €500.
Medical transport
Covered
Transport costs (ambulance, taxi or public transport) to and from the nearest doctor or hospital after illness or an accident are reimbursed at actual cost.
Medical evacuation (air ambulance)
Covered
If a passenger flight, ambulance car or taxi cannot be used due to illness or injury, repatriation to the Netherlands by air ambulance, including medically necessary transport between hospital and airport, is reimbursed at actual cost.
Repatriation of remains
Covered
If a verzekerde dies as a result of an insured illness or accident, transport of the remains to the last or registered residence in the Netherlands, the coffin and required documents are reimbursed at actual cost; if remains are not brought back, local burial/cremation costs and travel of two family members are reimbursed up to what repatriation would have cost.
Search and rescue operations
Covered
Costs of search or rescue operations required by local authorities (including where an accident is only suspected) are reimbursed at actual cost.
COVID-19 treatment
No limit stated
No specific mention of COVID-19 treatment was found in the available policy documents.
Pre-existing conditions
Excluded
If cover started while you were already under medical treatment for a condition, the costs of that continuing or prescribed treatment are not reimbursed.
Winter sports cover
Covered
Worldwide cover automatically includes winter sports (e.g. skiing, snowboarding) at no extra premium. Ski/snowboard equipment is covered up to the chosen baggage sum insured, and prepaid but unused ski passes, hire and lessons are reimbursed in specific circumstances (accident, hospitalisation, or forced early return).
Adventure/underwater sports cover
Conditional
Underwater sports (diving) are explicitly included in the worldwide cover. Combat/self-defence sports and speed, record or reliability contests with motor vehicles or vessels are excluded from cover.
Pregnancy complications
Covered
Normal pregnancy-related costs and elective abortion are excluded, but medical complications resulting from pregnancy are covered under the medical expenses section.
Personal liability
No limit stated
Personal liability cover is not part of the Reis (travel) chapter; it is provided by the separate Aansprakelijkheid (ZEKURAVP) component of the ZEKUR Wonen bundle, which applies worldwide, not specifically to travel.
Legal assistance
No limit stated
Legal assistance is not part of the Reis (travel) chapter; it is provided by the separate Rechtsbijstand (ZEKURRB) component of the ZEKUR Wonen bundle, which has its own, non-travel-specific terms.
24/7 assistance
Covered
The ZEKUR Alarmcentrale (+31 (0)20-592 91 52) is reachable 24 hours a day for arranging transport, medical guidance during the return trip, advice, sending medication and other necessary assistance.
Key conditions
Assistance call deadline
In case of death or hospitalisation lasting more than 24 hours, you must notify the ZEKUR Alarmcentrale within 24 hours; all other claims must be reported within 1 month of returning to the Netherlands. Prior permission from the Alarmcentrale is required before certain costs (vehicle breakdown/hire, early return, replacement accommodation, hospitalisation, death, or transport by ambulance/air ambulance) will be reimbursed.
Unauthorized treatment
No fixed monetary penalty is stated, but if you fail to meet your obligations after a loss (for example not asking prior approval for certain costs, or not doing everything reasonable to limit the damage) and this harms ZEKUR's interests, you lose the right to compensation for the resulting costs.
Purchase while abroad
The travel insurance can only be taken out as part of a ZEKUR Wonen home-insurance bundle by policyholders who live in and are registered in the Netherlands; there is no cover for treatment that was already ongoing before the cover period began.
Chronic conditions
Costs of a chronic condition for which you were already receiving treatment when the cover started are not reimbursed; only unforeseen medical events during the trip are covered.
Pregnancy
Normal pregnancy-related costs and elective abortion are excluded, but medical complications resulting from pregnancy are covered under the medical expenses section.
Pre-existing condition exclusions
If the cover period started while you were already under medical treatment, the costs of that continuing or prescribed treatment are not reimbursed.
Coverage duration limit
Cover applies per trip for a maximum of 180 consecutive days; claims for medical costs must relate to treatment starting within the cover period and are limited to 365 days from the start of the first treatment.
Where to buy
Policy specifics
Baggage coverage (theft, loss, damage)
Insurance covers baggage damage due to theft, loss or damage, with coverage limits varying by bundle tier
SourceRepatriation and emergency transport
Coverage includes repatriation by ambulance and aircraft, rescue operations, and transport of remains in case of death
SourceWinter and water sports coverage
Insurance covers activities during trips that include winter sports and water sports
SourceMaximum continuous trip duration
Coverage applies to a single continuous trip duration of maximum 180 days
SourceDomestic travel minimum stay requirement
In Netherlands, coverage applies only to trips with minimum 1 overnight stay
SourceTravel advice restriction
Coverage is excluded for destinations with a negative travel advisory from Dutch Ministry of Foreign Affairs
SourceSelf-selected deductible
Policyholders can select their own deductible for the home insurance bundle from €0, €250, €500, or €1,000
SourceBaggage-specific deductible
Separate €50 deductible applies specifically to baggage and money/cheques claims per trip
SourceInsurers' association documentHome insurance bundle requirement
ZEKUR Doorlopende Reisverzekering Wonen cannot be purchased as standalone product; must be part of home insurance bundle
SourceBusiness travel restriction
Business/work travel is excluded unless policyholder holds both Super ZEKUR Wonen home bundle AND ZEKUR ZZP business bundle
Source