Travel insurance to the Netherlands for Indians: A Complete Guide

Travel Insurance to the Netherlands from India: A Complete Guide

Read more about what is a travel insurance and why you need it. 

Scenarios Where Travel Insurance Would’ve Benefited:

Scenario 1: Imagine falling sick or facing a medical emergency during your travels as soon as you reach your dream destination.

Scenario 2: Imagine stepping into the Netherlands for your dream vacation, only to realise that your baggage hasn’t successfully journeyed with you.

Scenario 3: Life is unpredictable. Unexpected events force you to cut your trip short or cancel it.

In all the situations mentioned above, travel insurance would have been a saviour: providing coverage for replacing crucial items, medical expenses encompassing doctor’s visits and hospitalisation, reimbursement for non-refundable flight tickets, and much more!

Key Benefits of Travel Insurance to the Netherlands

Travel insurance to the Netherlands provides essential coverage for various unforeseen situations, ensuring a secure and worry-free journey. Explore the key benefits that safeguard your trip and offer peace of mind throughout your travel experience.

1. Healthcare expenses in the Netherlands for international travellers: The Netherlands boasts a high standard of healthcare, but medical costs for visitors can be substantially more than for locals. 

The average cost of a doctor’s visit in the Netherlands is EUR 47 (INR 4,300), and an emergency room visit would be EUR 256 (INR 23,571) for the cheapest incident - this is multiple times the cost of healthcare in India - so paying from one’s pocket can be a painful experience! 

Hence, the government requires all travellers to have health insurance, which can be costly for tourists. Travel medical insurance for the Netherlands is a government mandate for your own good. Besides, it is also a mandatory requirement while applying for your tourist visa!

Adventure Awaits, but so does the unexpected.

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2. Travel assistance: Offers support and assistance during your travels, including guidance on local services and emergencies.

4. Lost baggage: Provides compensation for lost or delayed baggage, ensuring you’re covered for essential items.

5.  High expenses associated with trip cancellations or delays: Flight cancellations or delays can lead to extra costs, like accommodation and rebooking fees. Travel insurance can provide compensation for such incidents.

In a Nutshell

Travel insurance for the Netherlands from India offers vital coverage for medical emergencies and trip cancellations, providing peace of mind and financial protection during international travel. It guarantees assistance and support in unforeseen situations, shielding travellers from unexpected expenses.

Considerations for Travel Insurance to the Netherlands from India

1. Cost: Evaluate the premium and fees associated with the insurance policy.
2. Coverage Amount: Assess the maximum coverage offered for medical expenses, trip cancellations, and other benefits.
3. Duration of Stay: Ensure that the policy covers the entire duration of your stay in the Netherlands.
4. Activities Planned/Risk: Consider the nature of your planned activities and assess if the insurance covers associated risks, especially for adventurous or high-risk activities.
5. Coverage Terms: Review the terms and conditions of the coverage, including exclusions and limitations.
6. Pre-existing Medical Considerations: Declare any pre-existing medical conditions to ensure comprehensive coverage.
7. Other Personal Considerations: Tailor the policy to your specific needs, considering factors like age, health, and personal preferences.
8. Individual/Family/Group Cover: Choose the appropriate coverage type based on your travel companions and preferences.
9. Visa Requirements: Ensure the insurance meets the specific requirements for obtaining a visa for the Netherlands. Travel insurance is mandatory for every Schengen Visa applicant.

In a Nutshell

While choosing travel insurance for the Netherlands, check costs, coverage, and duration. Match it with activities, disclose health conditions, and personalise it for your needs. Pick individual, family, or group coverage that fits visa requirements.

Other tips to keep in mind while choosing the right travel insurance policy:

So you’ve decided you want travel insurance to the Netherlands. Let’s take a look at how to go about finding what suits you best. 

• Research: The first step? Research and compare different insurance providers to find the policy that suits your needs. We recommend comparing multiple plans to ensure you get the best coverage at a competitive price.
• Compare: Comparison is key! But what factors do you consider while dealing with the comparison? Here’s a list to start off with. Pay attention to coverage limits, deductibles, exclusions, and the duration of coverage. What suits the duration of your travel the best? For a short trip, there is short-term travel insurance to the Netherlands. Carefully review policy details and understand the extent of coverage before deciding.
• Customise: The third step is to customise. Customise the insurance policy to meet your specific travel needs. Consider the activities you’ll engage in during your trip and choose coverage accordingly. This is where the trip duration comes into the picture again. Long-term or short-term travel insurance to the Netherlands will depend on the duration of your visit or stay. On the question of activities, if you engage in adventure sports or, say, hiking and skiing, for example, you’ll need travel medical insurance to the Netherlands with slightly greater coverage.

Some of the Best Travel Insurance in the Netherlands

Here are some well-established insurance companies offering travel insurance from India to the Netherlands. Their policies are considered among the best for tourists heading to the Netherlands.

1. HDFC ERGO
2. ICICI LOMBARD
3. Reliance General Insurance
4. Go Digit Insurance 
5. Tata AIG

Find the right Travel Insurance policy for you on the Niyo Global App.

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Is Travel Insurance to the Netherlands Necessary?

To get that Schengen Visa, your travel insurance must be up to the mark. It should cover at least EUR 30,000 for medical expenses, including emergency treatment and flying you back home if things go sideways. And remember, this coverage should hold good for the entire duration of your stay in the Schengen area.

How to Claim Travel Insurance

While taking precautions is commendable, unforeseen circumstances may arise. If such an event occurs during your trip to the Netherlands, rest assured that we’ve got you covered—just like your comprehensive travel insurance plan for the Dutch paradise.

Follow these steps to lay claim on your safety net: 

It’s a straightforward process if you’re well-prepared. Generally, the insurance provider will guide you through the steps, and it’s essential to follow their instructions carefully. Generally, the process involves the following steps:

1. Contact the Provider:  Inform your insurance provider about the incident that led to the claim. This could be a medical emergency, trip cancellation, or lost baggage.
2. Fill Out the Claim Form: Your insurance company will give you a form to fill out. Include policy details and essential incident information like date, time, location, circumstances, and total claim amount.
3. Gather Required Documents: Accurate and complete documentation is crucial. Collect all relevant documents, such as medical records, police reports (if applicable), receipts for expenses, and any other supporting evidence related to the incident.
4. Submit the Claim Form and Documents: Send the completed claim form and all required documents to the insurance provider. Ensure that your submission is well-organised and accurate to expedite the claims process.
5. Claim Assessment: The insurance company will review your claim and the supporting documents. They may contact you for additional information or clarification if needed.
6. Claim Settlement: Once your claim is assessed and approved, the insurance provider will process your claim for settlement. They will determine the eligible amount based on the policy terms and the supporting documentation you provided.
7. Documents Required for Claims Processing: The specific documents required for claims processing vary based on the nature of the claim. Generally, you’ll need to provide copies of your travel insurance policy, the completed claim form, original receipts, medical reports (if applicable), proof of expenses incurred, police reports (if applicable), and any other documentation relevant to your claim. Ensure that the documents are legible and clearly show the necessary details.
8. Timelines and Procedures for Claim Settlement: The timeline for claim settlement depends on factors such as the complexity of the claim and the insurance provider’s internal procedures. Once your claim is submitted, the insurance company will typically acknowledge receipt and initiate the review process within a specified timeframe. Upon approval, they will communicate the settlement amount and payment procedure. It’s advisable to maintain open communication with the insurance provider and promptly provide any additional information they request for a smooth and timely claim settlement.