The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The policy is built up from sections, each with its own sum insured, excess and exclusions. The core is always assistance and medical expenses outside the Netherlands, including the biggest item: medically supervised transport back to the Netherlands. Your basic health insurance pays no more than the Dutch tariff abroad and repatriation falls outside it.
Around that are optional sections: luggage with sub-limits for equipment, personal accident with a payment for permanent disability, cancellation, legal expenses while travelling and a replacement vehicle. What you do not tick is not included. The most common misunderstanding is that cancellation is included as standard; it almost never is.
If a private travel insurance or home contents cover that includes luggage away from home runs alongside this policy, bear in mind Article 7:960 of the Dutch Civil Code: you never receive more than the actual loss, however many policies there are.
The structure of the cover in three parts, with an overview per situation below.
The essentials
Medical
Costs and repatriation outside the Netherlands.
24/7 emergency assistance centre
Repatriation
Above the Dutch rate
Limited
Luggage
Business equipment is subject to sub-limits.
Laptop and phone
Samples and materials
Often declared separately
Optional
Interruption
If the trip does not go ahead or is cut short.
Cancellation
Replacement trip
Missed connection
What is covered
Situation
Standard
With extension
Medical expenses outside the Netherlands
Yes
Yes
Repatriation in case of illness or accident
Yes
Yes
Business equipment and samples
Sometimes
Yes
Cancellation of the trip
No
Yes
Taking part in high-risk sports
No
Sometimes
Travel to an area with a negative travel advisory
No
No
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.
Assistance and repatriation are the core
The section that justifies the policy is not the luggage cover but the assistance. An emergency assistance centre that can be reached twenty-four hours a day, gives a payment guarantee to a foreign hospital and arranges medically supervised transport is what you are buying. That transport can be a scheduled flight with a doctor next to the patient or an air ambulance. No health insurance pays for that.
Every section has its own limit
Sums insured apply per section and sometimes per item. The luggage section almost always has a sub-limit for equipment well below the replacement value as new of a business laptop with peripherals. Each section also has its own excess. Do not read the total amount on the policy schedule but the table of sub-limits; that is where the difference between insurers lies.
What you have to tick yourself
Cancellation, personal accident, legal expenses, winter sports and the operation of machinery are as a rule not standard elements. They are only covered once they are stated on the policy schedule. So when applying, go through not only the destinations but also the activities. A traveller who goes karting during a client event falls outside the cover without that section ticked.
Three exclusions that run across all sections
Whichever sections you choose, the following remain excluded: loss caused by intent or serious fault on the part of the insured under Article 7:952 of the Dutch Civil Code, travel to destinations subject to a negative travel advisory, and costs already covered by another insurance, because Article 7:960 of the Dutch Civil Code does not permit payment above the actual loss. Acts of war and nuclear reactions are also excluded as standard.
What does your premium depend on?
Which sections you tick — Assistance and medical only, or luggage, personal accident, cancellation and legal expenses as well.
Sums insured per section — A higher sub-limit for equipment or a higher accident payment increases the premium.
Excess per event — An excess on the luggage section brings the premium down noticeably.
Area of cover on the policy schedule — Europe, worldwide, or worldwide including the United States and Canada.
Number of travel days per year — The total number of days outside the Netherlands determines the exposure of all sections.
Overlap with existing policies — If luggage is already covered elsewhere, that section can sometimes be arranged more lightly.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
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.
Because no other insurance pays for it. Your basic health insurance pays for treatment abroad up to the Dutch tariff at most and stops there. Medically supervised transport back to the Netherlands, with a doctor or nurse on board or by air ambulance, falls entirely outside it. That is the item you take out this policy for.
Is cancellation included as standard?
Almost never. Cancellation is a separate section that you tick separately and for which a separate sum insured applies, linked to the cost of the trip. If you book non-refundable tickets far in advance, that section is worth having. Without ticking it, a cancelled trip is entirely at your own expense, including where illness is the reason.
How does this policy relate to my health insurance?
They complement each other. The basic health insurance remains the first payer for medical expenses, up to the Dutch tariff at most. Business travel insurance makes up the difference where foreign tariffs are higher and also covers what health insurance does not do at all: assistance, a payment guarantee on the spot and medical transport to the Netherlands.
What does overlap with another travel insurance mean?
That two policies cover the same loss. Article 7:960 of the Dutch Civil Code provides that you receive no more than the actual loss, so a double premium does not produce a double payment. The insurers settle between themselves who pays. If a private continuous travel insurance is already in place, have it assessed which of the two you keep.
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.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
