Algemene Friese Onderlinge Schadeverzekeringsmaatschappij "Zevenwouden" U.A.
Zevenwouden
Zevenwouden is a travel insurance for the Netherlands market with no online purchase and 24/7 assistance.
Direct payment
Medical bills must first be submitted to the policyholder's own Dutch health insurer; Zevenwouden reimburses the amount the health insurer does not cover, including the health insurer's deductible, with no deductible applied under the travel policy itself.
Geographic scope
Worldwide
Worldwide coverage for multi-day recreational trips, excluding destinations for which the Dutch Ministry of Foreign Affairs has issued a negative travel advisory (orange or red code) on the departure date.
Unique selling points
- No deductible applies to the supplementary medical expenses cover, unlike the excess on the Dutch basic health insurance.
- 24-hour Alarm Centre assistance for breakdown, accident or hospitalization emergencies anywhere in the world.
- Whole household covered, including studying children living away from home and resident grandparents.
- On-piste skiing, snowboarding, cross-country skiing and tobogganing are covered as standard without needing a separate winter-sports module.
- The excess for cancellation costs can be bought off by paying an additional premium.
Coverage limits
Medical expenses abroad
Covered
Medically necessary costs of doctors, specialists and hospitals during the trip, caused by illness, accident or a condition, covered as a top-up to the policyholder's continuous Dutch basic health insurance. No specific ceiling is stated; no deductible applies.
Emergency/unforeseen medical treatment
Covered
Costs of urgent or unforeseen medical treatment during the trip are reimbursed as a supplement to the policyholder's Dutch health insurance.
Hospitalization
Covered
Hospital nursing/treatment costs during the trip are included among the covered medical expenses.
Outpatient treatment
Covered
Covers doctors' fees, medically prescribed pharmacist costs, operations, X-rays, radiation and physiotherapy incurred during the trip.
Emergency dental treatment abroad
€250
Up to EUR 250 per insurance year for emergency dental treatment costs incurred abroad; no deductible applies.
Medical transport
Covered
Covers the costs of medically necessary transport to and from doctors and hospitals during the trip.
Medical evacuation / repatriation
Covered
The Alarm Centre organizes repatriation to the Netherlands when medically necessary to save the insured's life or limit permanent disability; medical necessity is determined jointly by the treating doctor and the Alarm Centre's medical advisor. No specific monetary ceiling is stated.
Repatriation of remains
Covered
In the event of an insured's death abroad, the Alarm Centre arranges and covers the organized transport home; the official policy IPID summary describes this as part of the 24/7 assistance service. No specific monetary ceiling is stated.
Pre-existing conditions
No limit stated
Not addressed in the reviewed Zevenwouden policy documents.
Winter sports cover
Covered
Recreational on-piste skiing and snowboarding, cross-country skiing, tobogganing and ice-skating are classified as non-dangerous activities and are covered under the standard policy (accident, medical and baggage benefits), without a separate winter-sports module or extra premium.
Adventure/dangerous sports cover
Conditional
Hang gliding, ultralight flying, paragliding, parachuting/skydiving and gliding are not treated as dangerous activities only when practiced under the supervision of a recognized instructor and in accordance with local rules; damage caused by participating in other dangerous activities is excluded from cover.
Pregnancy complications
No limit stated
Not addressed in the reviewed Zevenwouden policy documents.
Personal liability (rented holiday accommodation)
€500
Up to EUR 500 for the insured's liability for damage to the rented holiday accommodation or its contents, only reimbursed if the accommodation and the damaged items are not owned by any of the insured persons. This is narrower than a general personal-liability cover.
24/7 Alarm Centre assistance
Covered
Policyholders can call the Alarm Centre 24 hours a day for breakdown, accident or hospitalization emergencies; the Alarm Centre arranges necessary assistance as quickly as reasonably possible, and failure to call first may reduce reimbursement of costs incurred.
Key conditions
Assistance call deadline
In case of a medically urgent or life-threatening situation, or serious problems such as illness or death during the trip, the insured must contact the 24/7 Alarm Centre as soon as reasonably possible; the phone number is on the holiday help card and the policy schedule.
Unauthorized treatment
Only costs incurred with the prior permission of the Alarm Centre are reimbursed; costs made without such approval, or unreasonably high costs incurred without contacting the Alarm Centre, may not be fully reimbursed.
Purchase while abroad
Not addressed in the reviewed Zevenwouden policy documents.
Chronic conditions
Not addressed in the reviewed Zevenwouden policy documents.
Pregnancy
Not addressed in the reviewed Zevenwouden policy documents.
Pre-existing condition exclusions
Not addressed in the reviewed Zevenwouden policy documents.
Coverage duration limit
The continuous policy covers recreational trips of at least 2 days; cover for a single continuous trip ends on the 91st day. If an unforeseen delay beyond the insured's control extends the trip past 90 days, cover remains valid until the first possible moment of return.
Documents
Continuous Travel Insurance incl. Cancellation 2021 - Special Terms
Terms & conditions
Continuous Travel and Cancellation Insurance Zevenwouden ZW-DRA-03 (prior edition)
Terms & conditions
Continuous Travel and Cancellation Insurance Europe ZW-RA-02-V (superseded, Europe-only edition)
Terms & conditions
Insurance Product Information Document - Continuous Travel Insurance
IPID
Policy specifics
Trip cancellation coverage
Coverage for cancellation costs up to EUR 2,500 per person and EUR 7,500 for all insured persons per trip when cancellation occurs due to circumstances beyond the policyholder's control
SourceMedical expenses abroad
Coverage for medical costs incurred during travel abroad, but only as supplementary to basic health insurance held in the Netherlands
SourceTrip interruption/early return
Coverage for unused travel days when trip must be terminated early due to insured events
SourceAccident/Personal injury coverage
Coverage for death or permanent disability resulting from accident during travel
SourceInsurers' association documentEmergency assistance services
24/7 alarm center providing emergency assistance and arranging transportation home and family support in case of accident or illness during travel
SourceMinimum trip duration
Insured only for recreational trips of at least 2 days duration
SourceInsurers' association documentTravel advice condition
No coverage for countries with negative travel advice (orange or red code) issued by Ministry of Foreign Affairs on departure date
SourceNetherlands residence requirement
Policyholders must have their primary residence in the Netherlands
SourceAlarm center contact requirement
Policyholders must contact alarm center first for serious problems during travel (illness, death) to receive reimbursement in most cases
SourceFamily coverage types
Policy coverage applies to different household compositions: single, single with children, couple without children, or family with children
Source