Medical Costs
Medical costs insured while travelling
With the additional Medical Expenses cover, your annual travel insurance will fully cover medical costs you incur abroad due to illness, as well as follow-up treatment expenses in the Netherlands.
What is covered and what is not?
You are insured for things such as:
- Medical costs at foreign rates
- Cost of follow-up treatment in the Netherlands
You are not insured for things such as:
- Non-essential medical costs
- If the insured person does not have medical insurance in the Netherlands
Why is this cover important?
Medical treatment can be very expensive if you have an accident or become ill abroad. In most cases, your Dutch medical insurance company will only reimburse the cost of the treatment or medication up to the equivalent cost of the same treatment in the Netherlands. With the additional Medical Costs cover option, you are insured for the actual cost of treatment in another country. This prevents nasty surprises.
Frequently asked questions
What is the difference in medical expenses coverage between shortterm travel insurance and an annual travel insurance policy?
With short-term travel insurance, you are automatically covered for medical expenses during one trip. For an annual policy, you need to request additional coverage for medical expenses, regardless of how often you travel.
When do I need additional cover for medical costs?
Imagine that you are ill or have an accident while you’re on holiday. You’ll have enough to worry about without the extra worry of medical costs. Healthcare in some countries, such as the United States and Canada, is very expensive, and in countries like Turkey or Spain, tourists are often taken to expensive private clinics. Taking out the additional Medical Costs cover option means that your medical expenses will be reimbursed at the foreign rate and you will not have to pay the shortfall yourself.
Will I be insured for all of my medical expenses with the Medical Costs cover option?
Yes, with the additional Medical Costs cover option, you will be insured for the full amount of healthcare costs at the foreign rate. The cost of follow-up treatment in the Netherlands is covered up to €1,550. Dental costs in the Netherlands are not covered.
How can I change the additional cover options for my travel insurance
If you have annual travel insurance, you can change your additional cover options at any time. This means that you never pay too much and that you are properly insured for every type of trip.
Find out how to change your additional cover.
If you want to change the cover on your short-term travel insurance, please contact us by phone.
I’ve had an accident on holiday. What now?
In the event of serious illness, death, going missing, an accident, unforeseen expenses, a breakdown, an operation or hospital admission, you must contact the ABN AMRO helpline within 24 hours on +31 26 400 23 45. You can always count on a fast response.
