Basic health insurance · repatriation · overlap protocol
Compare continuous travel insurance
Your basic health insurance covers emergency care worldwide — but only up to the Dutch rate. Anything above that you pay yourself, and repatriation is not included at all.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The Dutch basic health insurance provides worldwide cover for emergency care, but pays up to the amount that such care in the Netherlands would cost. An appendix operation costing three thousand euros in Switzerland and two thousand in the Netherlands therefore leaves one thousand euros at your expense. In countries with expensive private clinics that difference is far greater.
What the basic health insurance does not cover is repatriation: medically necessary transport back to the Netherlands by repatriation flight, ambulance or helicopter. That is usually the most expensive item of a holiday that goes wrong, and it is precisely what is included as standard in travel insurance.
Within the EU, with the EHIC you are entitled to necessary care on the terms of that country, without paying up front. For a number of other countries — including Turkey, Morocco, Serbia, Tunisia and North Macedonia — there is the free form 111.
The structure of the cover in three parts, with an overview per situation below.
Always included
Basic cover
Luggage, assistance and repatriation in the event of illness or an accident.
Luggage and personal belongings
SOS assistance
Repatriation
Additional accommodation costs
The module that matters
Medical expenses
The part of the bill above the Dutch rate.
Costs above the Dutch rate
Often your excess as well
Private clinic
Matched to your travel pattern
Extensions
What the basic cover does not do but you do.
Winter sports
High-risk sports
Cancellation
Vehicle assistance and legal expenses
What is covered
Situation
Basic policy
Travel insurance
Emergency care up to the Dutch rate
Yes
No
The amount above the Dutch rate
No
Sometimes
Repatriation by repatriation flight or ambulance
No
Yes
Transport home for family members travelling with you
No
Yes
Stolen luggage or a broken suitcase
No
Yes
The cost of a cancelled trip
No
Sometimes
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The overlap protocol: call whichever emergency assistance centre you reach first
In the Overlap of Travel and Health Insurance protocol, travel and health insurers have agreed that the emergency assistance centre you approach first arranges the assistance and the handling of the costs. They settle between themselves afterwards who pays what. You therefore have one point of contact and do not have to work out which policy takes precedence. A few companies have not signed the protocol, including Menzis, DSW and Stad Holland.
Insured twice does not mean paid twice
If you have both supplementary health insurance with cover abroad and travel insurance with a medical module, you are paid the costs by only one of the two. So look first at what your supplementary cover does before you add the medical module. The difference often lies in repatriation of the people travelling with you: supplementary health insurance usually pays only for the patient's transport, travel insurance also for that of the healthy children.
Your excess is still used up
Care that runs through the basic health insurance counts against your compulsory excess, including emergency care abroad. Most travel policies with a medical module pay that excess back, and some even the voluntary part. That is a concrete point of comparison between policies.
Watch the maximum trip length
Continuous travel insurance applies up to a maximum number of consecutive days per trip, often sixty. If you go away longer, or travel for study, a work placement or work, you usually need separate long-stay or expatriate insurance. Check that before departure rather than afterwards.
What does your premium depend on?
Household composition — alone, as a couple or as a family
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Do I need travel insurance if I have health insurance?
Your basic health insurance covers emergency care worldwide, but up to the Dutch rate. The excess amount and repatriation are not included, and those are precisely the large sums. For those you need travel insurance with a medical module or supplementary health insurance with cover abroad.
What is the difference between the EHIC and form 111?
With the EHIC you are entitled in most EU countries to necessary care on the terms of that country, without paying up front. For a number of other countries, such as Turkey, Morocco, Serbia, Tunisia and North Macedonia, there is the free form 111 from your health insurer.
Who do I call in an emergency?
Whichever emergency assistance centre you reach first, whether your travel insurer's or your health insurer's. Under the Overlap protocol it arranges the assistance and the costs; the insurers settle between themselves afterwards. A few companies do not take part, including Menzis, DSW and Stad Holland.
Am I paid twice if I have both?
No. You are paid the costs by one of the two insurances. Travel insurance does often offer more, such as transport home for family members travelling with you.
Do I pay an excess for care abroad?
For the part that runs through the basic health insurance, yes. Most travel policies with a medical module pay that excess back; check that in the conditions.
How long may a trip last?
Usually a maximum of sixty consecutive days per trip. For longer stays, study or a work placement, separate long-stay insurance is needed.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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