Reimbursement urgent healthcare abroad

We will reimburse (some of) the costs if you need urgent medical care during your travels or stay abroad. This only applies if you are staying abroad for a year, at maximum.

Reimbursement from the basic insurance

We reimburse the costs up to 100% of the Dutch rates if you urgently need to visit a doctor or hospital abroad. This only applies to healthcare we also reimburse in the Netherlands. You will pay your This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2021, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy.
 first. Just like you would in the Netherlands.

Reimbursement from the additional insurance

We increase your reimbursement in full if you have an additional insurance (not a dental insurance).

Other reimbursements from the additional insurance are:

  • Organization costs by emergency centers (CZ Helpline and SOS International) will be covered in full.
  • Medically necessary repatriation when you are ill or injured, arranged by the CZ Helpline, will be covered in full.
  • Urgent dental care abroad will be covered up to € 275 a year.

Healthcare costs in the event of negative travel advice

If the Dutch government issues negative travel advice (code orange or red) prior to you travelling abroad due to the outbreak of a contagious disease, for example COVID-19, any healthcare costs relating to this incurred abroad will not be reimbursed under the additional insurance package.

Always call the CZ Helpline

Do you need to visit a doctor or are you unexpectedly admitted to hospital? Always contact the CZ Helpline as soon as possible: +31 13 468 04 02. They can help 24/7 to arrange for the costs to be paid.

European Health Insurance Card (EHIC)

If you are travelling in the EU or Australia, you can request the EHIC. Does your healthcare provider accept the EHIC? Then you do not have to advance the costs yourself.

Read more about and apply for the EHIC