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This is how current travel advice affects your coverage

27-08-2020 - In many places in Europe, the coronavirus is flaring up again. The travel advice for certain regions or even whole countries can therefore quickly change from yellow back to orange or even red. What does this mean for your health insurance?

If a certain area has been issued an orange or red travel advice, the Ministry of Foreign Office recommends not travelling to that area.

Travelling to countries with a yellow travel advice is considered responsible, but you are still advised to be extra vigilant.

A region is issued an orange (or red) travel advice when it does not have the coronavirus sufficiently under control there, does not welcome Dutch tourists or imposes quarantine on arrival. Which country or region falls into which category can easily be found on nederlandwereldwijd.nl.

But what do those colour codes mean for your health insurance?

Green or yellow travel advice

If you are traveling to an area that is still considered safe at the moment of departure (travel advice colour code: green or yellow) you are still covered by your basic and supplementary insurance plans. Even when the travel advice changes when you are already at your destination.

If you or one of your traveling companions has been infected with the coronavirus, Wereldfit and Superfit sometimes reimburse the costs of extra transport or accommodation. Read more in our general rules and regulations.

Orange or red travel advice

If you are traveling to a risk area (travel advice colour code: orange or red), only costs covered by your basic health-care plan are eligible for reimbursement.

Your supplementary health-care plans, including Wereldfit and Superfit, do not cover any expenses incurred due to you contracting the coronavirus in an area with orange or red travel advice.

If the travel advice code changes to orange or red while you are already at your destination, the cover of your supplementary insurance plans stays in effect. The travel advice at the time of your departure is leading.

Medical costs abroad may turn out higher than what the same care would have cost in the Netherlands. The basic health-care plan covers expenses up to a maximum of the Dutch rate. You will have to pay costs that exceed the Dutch rate yourself. If you use the European Health Insurance Card (EHIC), the regulations of the country where you receive the care determine the reimbursement.

You may incur healthcare costs in an area with orange or red travel advice for complaints that have nothing to do with COVID-19. An ear infection or an accident, for example. In that case, the coverage of the Wereldfit or Superfit stays in effect. Are you unsure about your coverage? Call the Zorgassistance emergency centre on +31 (0)88 668 97 67.

Please note: if a corona test is done as part of non-corona related care in an orange or red area, we will not reimburse this test.

180 days maximum

Please take into account that the extra coverage for costs incurred abroad provided by Wereldfit or Superfit is only valid for the first 180 days of your travels.

As of June 15, 2020, the travel advice for a number of countries has changed. Since then, travel advice codes often change. Please take into account that the maximum insured period abroad of 180 days as per our General rules and regulations always applies, even if you exceed this maximum period due to mandatory quarantine. The situation surrounding the coronavirus can change at any time. In the event of a new outbreak, countries may take strict measures, such as restricting access to certain areas and closing borders. This can go very quickly. It is up to you if you are willing to take the risk.

Zorgassistance emergency centre

Do you unexpectedly need health care or assistance abroad? Please contact our Zorgassistance emergency centre.

Everything about the coronavirus

If you want to read more about the coronavirus, check out our general news page about the coronavirus.

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