Onderlinge Verzekering Maatschappij ZLM U.A.
ZLM
ZLM is a travel insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Claims are paid to the policyholder or, at the travel agency's request, directly to the travel agency; payment is made only to a Dutch bank account and generally within 14 days after the claim amount has been established (a 30-day waiting period applies before payment for stolen items, in case they are recovered).
Geographic scope
Netherlands, other European countries (Russia up to the Urals and the Caucasus) and non-European Mediterranean countries; worldwide cover available as an optional extension
Standard cover applies to trips in the Netherlands (with proof of at least one overnight stay), other European countries and non-European Mediterranean countries, plus excursions of up to 48 hours outside the covered area; other countries are only covered if the optional world cover extension has been taken out.
Unique selling points
- Year-round travel cover that can be arranged with a competitive premium and quick, fully online purchase.
- 24/7 support from the ANWB Alarmcentrale for medical guidance, repatriation and finding replacement transport.
- Foreign medical costs are reimbursed at actual cost (kostprijs) with no fixed ceiling, unlike policies that cap medical cover abroad.
- Optional extension of continuous trips to up to 6 months, well beyond the standard 2-month limit.
- Flexible add-ons let customers tailor cover for worldwide destinations, cash, accidents, winter/dangerous sports, and replacement transport.
Coverage limits
Medical expenses
unlimited
Necessary medical costs incurred abroad during the trip are reimbursed at actual cost (kostprijs) with no fixed ceiling. Medical costs incurred in the Netherlands for the same event are capped at €1,600 per person, and dental costs are capped at €600 per person.
Emergency medical treatment
unlimited
Necessary emergency medical treatment abroad, prescribed by a doctor or dentist, is reimbursed at actual cost from the start of treatment until the earliest date the insured can return to the Netherlands; the statutory excess on the Dutch health insurance is also reimbursed.
Hospitalization
Covered
No limit stated
Hospitalization abroad falls under the general medical costs benefit (reimbursed at cost) but is not itemized as a separate line item with its own limit in the terms and conditions.
Outpatient treatment
Covered
No limit stated
Outpatient treatment abroad falls under the general medical costs benefit (reimbursed at cost) but is not itemized as a separate line item with its own limit in the terms and conditions.
Emergency dental care
€600
Necessary dental treatment, including treatment following an accident carried out at the insured's own dentist in the Netherlands, is reimbursed up to €600 per insured person; accident-related dental treatment must take place within one year of the accident.
Medical transport
unlimited
Extra transport costs incurred with the prior approval of the ANWB Alarmcentrale are reimbursed at actual cost (kostprijs).
Medical evacuation
Covered
Extra costs of transport and stay resulting from illness, accident or death of an insured person, travel companion, or specified family member are covered as part of unforeseen expenses, arranged via the ANWB Alarmcentrale; no separate maximum is stated for this specific benefit.
Repatriation of remains
Covered
Costs for transporting the deceased's remains to the Netherlands are covered, without a stated maximum amount. Separately, burial or cremation costs abroad (including travel for family members) are reimbursed up to €3,500 per insured person.
Search and rescue
Covered
Costs of search or rescue actions are covered as part of unforeseen expenses; no separate maximum amount is stated for this benefit.
COVID-19 treatment
No limit stated
The terms and conditions do not mention a separate benefit or exclusion specifically for COVID-19 treatment; general medical cost and unforeseen-events cover may apply, including the cancellation cover's mention of infectious disease outbreaks at the destination.
Pre-existing conditions
Conditional
Medical costs incurred in the Netherlands for a pre-existing ailment or condition are excluded. The same costs incurred abroad are covered if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Winter sports cover
Optional
Cross-country skiing and underwater sports are included by default in the base package. Skiing, snowboarding and other winter sports require the separate optional Wintersport en gevaarlijke sporten extension, which covers unforeseen expenses and medical costs, prepaid but unused ski lessons/lift passes/ski passes, loss of a ski pass, hire of replacement ski equipment, and damage, loss or theft of ski equipment up to the standard baggage limits.
Adventure/dangerous sports cover
Optional
The optional dangerous sports extension covers many activities (e.g. off-piste skiing with a guide, abseiling, kitesurfing, bungee jumping) for unforeseen expenses and medical costs only, without accident cover. Certain very dangerous sports (e.g. bobsledding, ski jumping, stunt flying, combat sports) cannot be insured at all.
Pregnancy complications
Conditional
Costs incurred in the Netherlands for consequences of, or complications during, pregnancy are excluded. These costs are covered abroad if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Liability for rented holiday accommodation
€600
Liability for unintentional damage caused to a rented holiday accommodation and its inventory is covered up to €600 per travel party (minimum claim €20); this benefit is limited to rented-accommodation liability and does not extend to general personal liability toward third parties.
Legal assistance
No limit stated
The travel insurance terms and conditions do not mention a legal assistance benefit; legal assistance is offered by ZLM only as a separate product (via Stichting Rechtsbijstand ZLM), not as part of this travel policy.
24/7 assistance
unlimited
The ANWB Alarmcentrale is available day and night to give advice and arrange assistance (e.g. medical guidance, finding replacement transport); the costs of deploying the Alarmcentrale itself are borne by the insurer.
Key conditions
Assistance call deadline
Contact the ANWB Alarmcentrale as soon as possible before incurring medical, transport or other emergency costs; costs incurred without prior consultation with the Alarmcentrale may not be reimbursed.
Unauthorized treatment
No fixed percentage penalty is stated; instead, costs incurred without prior contact with the ANWB Alarmcentrale can be refused entirely by the insurer.
Purchase while abroad
This is a continuous (doorlopende) policy intended to be taken out before travel; the terms and conditions do not describe a procedure for purchasing or activating cover while the insured is already abroad.
Chronic conditions
Costs in the Netherlands for an existing ailment or condition are excluded; the same costs incurred abroad are covered if they were unforeseen and treatment could not be postponed until return to the Netherlands.
Pregnancy
Costs related to consequences of, or complications during, pregnancy incurred in the Netherlands are excluded but covered abroad if unforeseen and treatment could not be postponed; separately, the optional cancellation cover reimburses cancellation due to a pregnancy discovered after booking or due to pregnancy complications.
Pre-existing condition exclusions
Medical costs in the Netherlands for a pre-existing ailment or condition are excluded; these costs are covered abroad only if they were unforeseen and treatment could not be postponed until the insured's return to the Netherlands.
Coverage duration limit
Standard cover applies to trips lasting no longer than 2 consecutive months, extendable to 6 consecutive months if stated on the policy schedule; if an insured event prevents the insured from returning home within the maximum trip duration, cover is automatically extended without additional premium.
Policy specifics
Supplementary medical expenses
Covers medical costs not reimbursed by Dutch health insurance, with domestic limit of €1,600 and abroad at actual costs
SourceBaggage and valuables coverage
Covers loss, theft, or damage to baggage up to €3,000 per person per trip, with minimum claim of €50
SourceRepatriation and emergency assistance
Covers transport and accommodation costs related to illness, accident, or death; includes repatriation of remains to Netherlands
SourceWorld coverage (optional extension)
Optional extension beyond standard Europe coverage (including non-European Mediterranean countries) to worldwide destinations
SourceTrip cancellation insurance (optional extension)
Covers costs of canceling or interrupting a trip due to unforeseen circumstances, up to €3,000 per person (€12,000 total)
SourceWinter sports and dangerous activities (optional extension)
Optional coverage for winter sports and dangerous activities; cross-country skiing covered by default, skiing/snowboarding require separate purchase
SourceMaximum trip duration
Standard coverage applies to trips up to 2 months consecutive; extendable to 6 months with optional extension
SourceReplacement transport and accommodation (optional extension)
Optional coverage for replacement vehicle rental (up to 30 days) or accommodation when primary transport or holiday accommodation fails
SourceAccident coverage (optional extension)
Optional fixed lump-sum payout for death or permanent disability resulting from accident during trip
SourceClaims handling by Unigarant
ZLM acts as distributor/intermediary; claims are actually handled by Unigarant Verzekeringen; customer remains ZLM's point of contact
SourceBusiness travel exclusion
Coverage does not apply to any business-related trips or work-related travel
SourceTravel advisory restriction (Ministry of Foreign Affairs)
Damage caused by events forming the basis of orange or red travel advisory from Dutch Ministry of Foreign Affairs is not covered
SourceInsurers' association documentRental accommodation liability
Covers unintentional damage caused to rented holiday accommodation and inventory, up to €600 per occurrence (minimum €20)
SourceDepreciation schedule for baggage
Baggage claims subject to depreciation percentage per year; separate maximum limits for electronics, glasses, bicycles
SourceMandatory alarm center coordination
Costs incurred without prior coordination with alarm center (ANWB Alarmcentrale) may not be covered; emergency contact required for claim validity
SourceCancellation insurance timing requirement
Cancellation insurance must be purchased within 7 days of booking to cover pre-existing medical conditions; longer wait excludes such claims
Source