HEMA travel insurance
The HEMA, the Hollandsche Eenheidsprijzen Maatschappij Amsterdam, is a Dutch department store chain founded in 1926 by Arthur Isaac and Leo Meyer. The first store opened its doors in Kalverstraat in Amsterdam and quickly became well-known for its wide range of products and delicious smoked sausages. Nowadays, you can also turn to HEMA for various types of insurance, including health and travel insurance. This article will discuss HEMA’s travel insurance. In addition to the basic coverage of the travel insurance, you can add any additional coverages yourself at HEMA. This way, you can create travel insurance that perfectly suits your trip.
Advantages HEMA travel insurance
- Possibility to get custom coverage at a relatively low premium
- Standard winter sports and underwater sports coverage
Disadvantages HEMA travel insurance
- Deductible of €100,- for damage to luggage
- Not possible to opt for a short-term travel insurance
Basic travel insurance package
At HEMA it is only possible to take out a continuous travel insurance. The basic package provides you the following coverage:
| Basic Package | |
|---|---|
| Personal assistance & extraordinary costs | Up to the actual cost |
| Maximum days | Up to 60 days |
| Coverage area | Choice between Europe or Worldwide |
| Baggage | Max. €2500,- per insured person (€100,- deductible) |
| Winter sports & underwater sports | Assistance and extraordinary costs covered up to actual cost. The winter or underwater sports equipment is covered up to €1250,- |
| Monthly premium | Europe: €1.47 per month Worldwide: €2.67 per month |
The HEMA travel insurance is a continuous travel insurance. That means it’s valid all year round for all the trips you make, as long as you don’t travel for more than 60 consecutive days. The travel insurance is also valid for trips and weekends away within the Netherlands. If you decide to take out travel insurance at HEMA, you need to determine in advance whether the coverage will only be valid in Europe or also outside of Europe. For example, when planning to go to Australia, you will need to opt for Worldwide coverage. You will then pay a higher premium.
Overview of additional coverage
The additional coverage of the HEMA continuous travel insurance can be taken out if the coverage of your basic package is not sufficient for you. Perhaps you are planning to dive during your beach holiday or you are going to engage in another dangerous sport. Check out all possible additional modules below:
Cancellation
|
Cancellation module coverage |
For 1 insured the max. compensation is €1500,- |
|
Premium |
Extra €2.42 per month |
Do you have to leave your trip (prematurely) for an urgent reason, such as illness or losing your job? With the additional Cancellation coverage, the travel sum you have insured and any unused travel time when returning early are reimbursed.
Medical Costs
|
Medical costs coverage |
– Additional medical costs abroad, above the Dutch rate, are reimbursed at cost price; – Dental costs due to an accident up to a maximum of €300,-. |
|
Premium |
Europe: €0.38 extra per month |
If you end up in a hospital abroad, your health insurance will reimburse you at the rate applicable in the Netherlands for the necessary treatment. In certain countries, such as Switzerland or the United States, healthcare costs are significantly higher. In those instances, this module is of great importance. Beware of over-insurance: it is also possible to insure additional medical costs through your health insurance.
Vehicle Assistance
|
Vehicle breakdown |
Breakdown due to theft, mechanical failure, an accident, or fire. In this case, the reimbursement is up to a maximum of the cost price. |
|
Roadside assistance |
Up to a maximum of €125,- |
|
Vehicle recovery or repatriation costs |
Max. cost price up to the maximum value of the vehicle |
|
Driver incapacity |
Deployment of replacement driver or use of car transporter up to a maximum of the cost price |
|
Continuation of journey & return journey costs |
Max. cost price (public transport) |
|
Premium |
€1.17 extra per month |
Did your car break down on the road? Or did your vehicle fail due to an accident and can’t it be repaired within two days? In this case, the emergency service will assist you with a replacement vehicle, and any additional accommodation costs may also be eligible for reimbursement.
Accidents
|
Accident coverage module |
In case of permanent disability resulting from an accident during travel, max. €70,000,- will be reimbursed. In case of death, this is max. €25,000,-. |
|
Premium |
€0.36 extra per month |
Though going on vacation is not typically associated with the various risks of travelling, it’s good to take a moment to think about it. An accident can occur unexpectedly, during the journey or during the activities you undertake while travelling. The accident insurance covers the financial consequences of permanent disability or, in the worst case, death.
Money
|
Money |
If you carry cash or even checks, you can include them in your coverage up to a max. of €250.- |
|
Premium |
€0.56 extra per month |
Additional Services from the Travel Insurer
At HEMA, you can conveniently use the switch-over assistance. The switch-over assistance ensures a smooth transition to HEMA as your travel insurance provider. You are helped with a prescribed termination letter format by filling in the data of your former travel insurance.
Discounts from the Travel Insurer
Currently, there are no noteworthy discounts known from travel insurance provider HEMA.
Contact Details of the Travel Insurer
|
|
Contact form |
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Phone |
Emergency number: 071 – 364 1832 |
|
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PO Box 52070, 3007 LB Rotterdam |
|
Website |
https://verzekerdbijhema.nl/reisverzekering |