What your health insurance covers · what it does not · continuous or single-trip
Is travel insurance worth it?
Abroad, your health insurance covers less than you think. That is where the answer lies.
Deze pagina in het Nederlands: Is een reisverzekering de moeite waard?.
Calculate your premium or request a quote
Without obligation; a reply within one working day.
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 situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
What your health insurance does
Abroad, the basic health insurance pays up to the Dutch rateat most. In countries with higher healthcare costs that covers only part.
What it does not cover is repatriation: medical transport back to the Netherlands. With a hospital admission and an escort, that costs tens of thousands of euros.
What travel insurance adds
Repatriation and the emergency assistance centre that arranges it. That is the main reason for this policy.
In addition there is luggage, although that cover is limited and valuables carry a sub-limit.
And liability abroad, where your personal policy does not cover that country.
Continuous or single-trip
If you travel more than three weeks a year, continuous cover is usually the better value. For a single holiday, single-trip cover is cheaper.
With continuous cover, watch the maximum number of consecutive travel days; a long trip can fall outside it.
What you must report
High-risk sports such as diving, climbing and winter sports are rarely covered as standard. Declare them before departure; afterwards is not possible.
Read more
Similar pages
- Travel insurance through Ansvar Idea — compare & calculate your premium
- What is travel insurance and what exactly does it do?
- Compare continuous travel insurance
- All about the cover provided by travel insurance
- Compare single-trip travel insurance
- Continuous travel insurance through Nationale-Nederlanden — compare & calculate your premium
- Travel insurance with or without cancellation cover
- Continuous travel insurance through Allianz — compare & calculate your premium
Frequently asked questions
The questions we are asked most often about this.
Does my health insurance cover me abroad?
Up to the Dutch rate at most; repatriation falls outside it.
What is the main added value?
Repatriation and the emergency assistance centre that arranges it.
When do I choose continuous cover?
If you travel more than about three weeks a year.
Are winter sports covered?
Rarely as standard; that is a separate module which you declare in advance.
Is luggage well covered?
To a limited extent; valuables carry a sub-limit.
What if I practise a risk sport?
Declare it before departure; afterwards there is no cover.
What is covered and what is not
Who pays for what on a trip
| Situation | Health insurance | Travel insurance |
|---|---|---|
| Emergency care in a German hospital, up to the amount usual in the Netherlands | Yes | Yes |
| The part of the hospital bill in the United States that goes above that | No | Yes |
| Your suitcase does not arrive and you buy clothes and toiletries on the spot | No | Yes |
| Your telephone is taken from your coat pocket at a market in Barcelona | No | Provided that |
| You break your wrist during a diving course you did not declare in advance | No | No |
| The trip cost you lose because your employer withdraws your leave | No | No |
Cancellation is a separate cover; without that module the trip cost stays at your own expense.