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 for yourself what it would cost.
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 medical section does two things at once. It pays for medical expenses incurred outside the Netherlands and, through the emergency assistance centre, it sets the care in motion. That second part is often decisive: a foreign hospital only treats after a payment guarantee, and the emergency assistance centre issues that once it has checked the cover.
The section sits alongside your health insurance, not in place of it. The basic health insurance pays for care abroad up to the Dutch tariff at most. The travel policy makes up the excess. Because Article 7:960 of the Dutch Civil Code prohibits double payment, the insurer first asks for your health insurer's statement before paying the remainder.
Acceptance is the third factor. What you know about a pre-existing condition falls under the duty of disclosure in Article 7:928 DCC and can lead to an exclusion or a medical assessment. If your staff travel mainly within Europe, also read business travel insurance for Europe.
What does medical cover on a business trip include?
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.
Call the emergency assistance centre before the admission
Foreign hospitals ask on admission for a payment guarantee or a credit card authorisation. If you call the emergency assistance centre first, it checks the cover and gives the guarantee directly. If you pay yourself and only report it after your return, the burden of proof lies with you: original invoices, a medical file and sometimes a translation. Article 7:941 of the Dutch Civil Code requires you to report the loss as soon as is reasonably possible.
Disclose pre-existing conditions at the start, not at the claim
What you know about a condition when applying has to be declared. That is the duty of disclosure in Article 7:928 of the Dutch Civil Code. If it turns out afterwards that the insurer would have set different terms with that knowledge, it may limit payment under Article 7:930 DCC. Disclosure usually does not lead to a refusal, but to an exclusion for complaints connected with that condition.
Emergency care is covered, a treatment plan is not
The section is intended for care that unexpectedly becomes necessary during the trip. Excluded are treatments you had already planned before departure, check-ups and follow-up appointments, a second opinion and care that can wait until you return. Dental treatment is generally limited to pain relief. Maternity care often falls within the cover only where there are unforeseen complications. Vaccinations and preventive medication are not paid for.
Repatriation falls outside your health insurance
Medical transport to the Netherlands with an escort is not part of the basic health insurance. It is the cost item this section is usually taken out for. The emergency assistance centre assesses whether transport is medically responsible and at what moment it takes place. If you travel home on your own initiative or have yourself transferred without approval, there is usually no cover. Bringing out a family member and an extended stay are separate elements.
What does your premium depend on?
Level of healthcare costs at the destinations. The same procedure costs many times more in one country than another. That weighs more heavily than the number of travel days.
Age profile of the travellers. With older travellers the chance of a hospital admission and of transport with a medical escort rises.
Pre-existing conditions and medical acceptance. A group with declared conditions is assessed differently from a group with nothing to report.
Limit on repatriation and evacuation. An air ambulance and a medical escort are the most expensive component within this section.
Bringing family out and their stay. Insuring the travel of relatives in the event of a hospital admission or death widens the cover and therefore the premium.
Nature of the work on the spot. A client visit is assessed differently from manual work, assembly work or working at height.
Insurers weigh these details differently. That is where your saving is.
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.
Why do I have to call the emergency assistance centre first?
Because a foreign hospital often only treats after a payment guarantee. The emergency assistance centre checks the cover, issues that guarantee and settles directly with the institution, so that you do not advance anything. It can also assess whether the hospital chosen is suitable. If you only call afterwards, you have to show yourself that the treatment was necessary and urgent.
What happens if I do not disclose a pre-existing condition?
You are then in breach of the duty of disclosure in Article 7:928 of the Dutch Civil Code. The insurer may then limit or refuse payment under Article 7:930 DCC, depending on what it would have done had the statement been correct. Disclosure usually leads to an exclusion for complaints connected with that condition. The rest of the cover simply remains in place.
Does the policy pay for dental costs abroad?
Only as emergency treatment: acute pain relief or repair after an accident, usually with its own sub-limit. A crown, an implant or treatment that can wait until you return falls outside it, as do check-ups and cleaning. Keep the invoice with a description of the complaint; without a statement of the urgent reason the claim is hard to support.
Who pays first: my health insurer or the travel policy?
Your health insurer pays first, up to the Dutch tariff at most. Anything above that goes to the travel policy. Article 7:960 of the Dutch Civil Code prohibits you from profiting from one loss, so the insurer asks for the health insurer's statement. The statutory excess on the basic health insurance is not paid as standard; check whether that is expressly insured.
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.
