Centraal Beheer Achmea travel insurance
This insurance company, originally from Amsterdam, was founded in 1909. Today, the insurer is mainly known for its ‘just call Apeldoorn’ advertising spots, which is also where its current headquarters are located. As a result of a restructuring at the end of the 1990s, Centraal Beheer is now a brand of the insurance conglomerate Achmea. Centraal Beheer Achmea offers various types of insurance, including health, household content, liability, and travel insurance. This article focuses on the latter category: the short-term and continuous travel insurance and cancellation insurance offered by Centraal Beheer Achmea.
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Advantages of Centraal Beheer Achmea
- Basic coverage includes not only assistance and baggage but also extensive accident insurance
- Possibility to reduce the deductible
Disadvantages of Centraal Beheer Achmea
- Additional medical costs are not automatically included in the insurance.
Centraal Beheer Achmea Travel Insurance
If you consider taking out travel insurance with Centraal Beheer Achmea, you can choose between temporary (short-term) travel insurance and continuous travel insurance. A continuous travel insurance is particularly interesting for students who frequently go out and about throughout the year: a city trip, a weekend getaway somewhere in the Netherlands, skiing, and the summer holiday. The moment you go on holiday for about 21 days or longer per year, continuous travel insurance will be more advantageous.
Do you travel less frequently? Then short-term travel insurance will be a suitable solution: you take out this insurance for the period that you are actually travelling. In the table overview below, you will find the most important coverages of short-term and continuous travel insurance.
Continuous Travel Insurance
The basic coverage of Centraal Beheer Achmea’s short-term & continuous travel insurance includes standard coverage for assistance, accidents, and luggage. In addition, you can choose the preferred coverage area: Europe or Worldwide. The continuous travel insurance can also be extended with coverage for additional medical costs, cancellation, vehicle assistance, winter and underwater sports, replacement transport, and business travel coverage.
| Basic package | Europe | Worldwide coverage |
|---|---|---|
|
S.O.S assistance |
Compensation at cost price |
Compensation at cost price |
|
Accidents |
Compensation for permanent disability due to an accident up to max. €50,000,- Compensation in case of death up to max. €5,000,- |
Compensation for permanent disability due to an accident up to max. €50,000,- Compensation in case of death up to max. €5,000,- |
|
Accommodation damage |
Max. € 500,- |
Max. € 500,- |
|
Coverage area |
Europe |
World |
|
Luggage |
Max. € 2.500,- per trip per person |
Max. € 2.500,- per trip per person |
|
Premium |
From € 3.34 per month |
From € 3.53 per month |
The continuous travel insurance also has a maximum travel duration of 365 days. This makes Centraal Beheer Achmea’s continuous travel insurance comparable to a so-called globetrotter insurance.
Short-term Travel Insurance
Short-term travel insurance provides the same coverage as continuous travel insurance. However, accident coverage is an additional coverage for short-term travel insurance. The premium is determined based on your travel duration and the travel sum. You can also opt for coverage within the Netherlands only with this type of insurance.
| Basic package | Netherlands coverage | Europe coverage | Worldwide coverage |
|---|---|---|---|
|
S.O.S assistance |
Compensation at cost price |
Compensation at cost price |
Compensation at cost price |
|
Accommodation damage |
Max. € 500,- |
Max. € 500,- |
Max. € 500,- |
|
Coverage area |
Europe |
World |
World |
|
Luggage |
Max. € 2.500,- per trip per person |
Max. € 2.500,- per trip per person |
Max. € 2.500,- per trip per person |
|
Premium |
€11.34 for the entire travel duration* |
€15.68 for the entire travel duration* |
€29.82 for the entire travel duration* |
*The premium calculation is based on 1 person going on vacation for 2 weeks with a travel sum of €1500,-.
The short-term and continuous travel insurance can be expanded with the following additional coverages.
Medical Costs
The rates for necessary medical care abroad can be significantly higher. The basic health insurance only offers a reimbursement up to the Dutch rate. The costs exceeding this amount must be paid out of your pocket. With the additional coverage for medical costs, these costs are covered by your travel insurance.
|
Medical costs |
|
|
Medical costs coverage |
Compensation of actual costs for doctor’s treatment, hospital transport, all necessary investigation, medication, and dressing materials prescribed. Also, dental costs resulting from an accident are reimbursed up to a maximum of €350,-. |
|
Continuous travel insurance premium |
From €0.79 extra per month |
*The premium is based on 1 person travelling in Europe.
Vehicle Assistance
How frustrating is it to experience a car breakdown during your journey? With the additional vehicle assistance coverage, you’ll be helped back on the road as quickly as possible.
Vehicle Assistance Coverage
Assistance in the event of an accident or breakdown, including your folding trailer, caravan, or trailer. You get immediate roadside assistance and, if necessary, your vehicle will be transported to a nearby garage (up to a maximum of €250).
Parts can be ordered and sent if necessary, and if repair is not possible within 4 working days, transportation of your vehicle including luggage to the Netherlands will be covered.
Continuous Travel Insurance Premium: from an additional €0.90 per month
*The premium is based on 1 person travelling in Europe.
Winter and Underwater Sports
Participating in winter or underwater sports carries a risk. Except for the cross-country skiers among us, Centraal Beheer Achmea has introduced a winter and underwater sports insurance with additional coverage to enjoy these risky sports without worries. Valuable equipment and costs of, for example, ski passes are also insured.
Winter and Underwater Sports Coverage: 24/7 emergency centre assistance for winter and underwater sports, accident coverage, and also off-piste if it occurs under the guidance of a guide or ski instructor.
If the winter sports cannot be continued, the costs of the ski passes are insured.
Continuous Travel Insurance Premium: from an additional €0.60 per month
*The premium is based on 1 person travelling in Europe.
Cancellation
An unexpected event may occur just before or during your trip, forcing you to cancel your journey. With cancellation insurance, you get reimbursed for the cancellation costs and other expenses you’ve made, such as rebooking fees, return trips, or concert tickets that you had already bought. Insurers set out several cancellation reasons in the policy conditions based on which you can cancel the trip.
|
Cancellation Coverage |
Reimbursement of cancellation costs and, if applicable, rebooking costs, theatre/concert tickets, early return, a daily amount for hospital stays or in case of a delay of more than 8 hours. |
|
Continuous Travel Insurance Premium |
From €3.74 extra per month |
*The premium is based on 1 person travelling in Europe.
Replacement Transport
If your vehicle gets irreparably damaged during your journey to the point where you can no longer continue to drive, you should immediately contact the Centraal Beheer Achmea emergency centre. If it turns out that the repair takes more than 2 working days, you will receive replacement transport.
|
Replacement Transport Coverage |
Replacement transport for a maximum of 6 weeks in case of a breakdown, an accident, theft or other external cause where repair is impossible within 2 working days. Also covers damage to your vehicle 30 days before departure or breakdown 1 day before departure. |
|
Continuous Travel Insurance Premium |
From €1.80 extra per month |
*The premium is based on 1 person travelling in Europe.
Business Travel
If you travel for business, you need coverage that aligns well with this. Not only in terms of coverage during work activities but also, for example, a higher coverage for valuable baggage you carry. The Business Travel module from Centraal Beheer Achmea caters to this.
|
Business Travel Coverage |
Business trips, including internships and volunteer work, are insured up to a maximum of 180 days. Extensive baggage coverage up to a maximum of €3500,- with high reimbursement for valuable equipment such as laptops, and tablets (up to a maximum of €2500,-) and smartphones and PDAs (up to a maximum of €750,-). |
|
Continuous Travel Insurance Premium |
From €3.94 extra per month |
*The premium is based on 1 person travelling in Europe.
Accidents (additional coverage short-term travel insurance)
Unlike continuous travel insurance, accident coverage is not part of the basic coverage for short-term travel insurance. If you want accident coverage, you can take out the additional accident module.
|
Accident Coverage |
Accident resulting in permanent disability covered up to a maximum of €50,000,-. Accident resulting in death covered up to a maximum of €5000,-. |
|
Premium |
Depends on the duration and cost of the trip |
*The premium for short-term travel insurance strongly depends on the duration and cost of the trip. You can calculate your premium on the Centraal Beheer Achmea website.
Deductible
There is no deductible for the travel insurance from Centraal Beheer Achmea.
Additional Services by Centraal Beheer Achmea
Centraal Beheer Achmea offers several useful additional services:
- Easily view and change your details online via My Centraal Beheer.
- Through the Centraal Beheer app, you can immediately ask questions in the chat on weekdays from 8:30 to 17:30.
- Contact can also be made on social media, via Twitter and Facebook.
Travel Insurer Discounts
If you or your partner works for one of the 14,000 employers with whom Centraal Beheer Achmea has made agreements, you are eligible for a collective discount on your short-term or continuous travel insurance. The amount of the discount depends on the agreements with the respective employer.
Centraal Beheer Achmea Contact Information
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|
Contact form on website |
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Phone number |
055 – 579 80 00 |
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PO Box 9150, 7300 HZ Apeldoorn |
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Website |
Centraalbeheer.nl |