OHRA travel insurance

OHRA (abbreviation for: Mutual Health Insurance of Higher Civil Servants) is part of the Nationale Nederlanden Group. OHRA has a long history, having built up a customer base of more than 800,000 customers nearly 90 years after its foundation in 1925. OHRA works directly with the customer, so without intermediaries. At OHRA, you can choose from a wide range of insurances, including health, damage, or life insurances. You can choose from two types of travel insurance, a short-term or a continuous travel insurance.

Directly to OHRA

Advantages of OHRA

• An extensive basic package with wide coverage, in which liability for your holiday accommodation, for example, is insured.
• It is possible to determine the level of coverage that best suits your situation, by choosing between the coverages Basic, Plus, and Top.
• The additional modules are offered at a competitive premium.

Disadvantages of OHRA

• The premium of Ohra’s travel insurance is age-dependent. A higher premium applies for young people within the age range of 18 to 25.

Basic Travel Insurance Package

	Short-term travel insurance	Continuous travel insurance
Personal assistance	Assistance via the OHRA Assistance Service	Assistance via the OHRA Assistance Service
Maximum days	Duration of coverage	Max. 45 days
Coverage area	Europe (optional worldwide)	Europe (optional worldwide)
Luggage	Max. €1,250 per insured	Max. €1,250 per insured
Extras	-Liability up to €1,250 for damage to lodging.	-Liability up to €1,250 for damage to lodging.
Premium	€11.34 (based on a 14-day vacation)	€3.57 per month

This table is based on the situation of a 21-year-old student.

Basic Coverage for Long Term Travel

It is also possible to take out continuous travel insurance if you are traveling consecutively for 90 days, 180 days, or 360 days. For example, if you’replanning on doing an internship or studying abroad.

Number of days	Monthly premium Europe	Monthly premium World
90 days	€3.57	€5.34
180 days	€4.28	€6.41
365 days	€5.75	€8.55

Overview of Additional Options

At OHRA, in addition to the basic package, you have the option to close one or more additional modules. For example, you can choose an additional cancellation or accident insurance. These and other additional modules are described below.

Cancellation Module

The premium calculation is based on a 21-year-old student making a trip within Europe.

In certain situations it could happen that you unexpectedly need to cancel your trip or interrupt it halfway. For example, when a family member passes away. In those situations it would of course be highly undesirable to have to bear those costs yourself. If you opt for the cancellation module, you will be reimbursed for the cancellation costs up to a maximum of the total travel sum or, in case of the continuous travel insurance, €1500 per year.

Medical Expenses Coverage

	Short-term travel insurance	Continuous travel insurance
Medical expenses coverage	-Costs for medically necessary treatment abroad above the cost price are fully reimbursed. -Dental treatment up to a maximum of €500.	-Costs for medically necessary treatment abroad above the cost price are fully reimbursed. -Dental treatment up to a maximum of €500.
Premium	€6.48 extra (based on a 14-day holiday)	€1 extra per month

In case you already have a supplementary health insurance that covers medical costs above the Dutch cost price, additional medical expense covarage is not needed. If you do not yet have supplementary health insurance, this module can provide a solution. In foreign hospitals, the rates for treatments can be higher than those in the Netherlands. In that case, your health insurance will only reimburse the cost price. The extra costs are eligible for reimbursement through this additional module.

S.O.S Roadside Assistance Module

Car or motorcycle breakdown? With the Assistance for Cars and Motorcycles module, you won’t be helpless on the side of the road. The module entitles you to assistance and reimbursement of certain costs, such as repair or, if necessary, additional accommodation costs.

Accidents Module

Even though you’d rather not think about having an accident, there is always a possibility that it happens to you on holiday. The costs of an accident that, for example, results in you becoming permanently disabled, can add up significantly. For instance, you may have to make modifications to your home or car as a result of the accident. The accidents module will pay a compensation amount depending on the degree of disability. Additionally, in case of death as a result of the accident, the costs are covered up to a maximum of € 25,000.

Winter Sports Module

The winter sports module is included as standard in the continuous travel insurance. If you opt for short-term travel insurance, you can add the winter sports module as an additional module. If you unexpectedly have an accident, you will receive assistance, compensation for the costs of damage to your winter sports equipment, and a necessary plaster flight if needed.

Money Module

Suppose your wallet has been stolen. In this situation, if you have not left your bag unattended, you will be compensated up to a maximum of €750,- per trip.

Extra Services OHRA

At OHRA, you will receive a discount on the vaccinations you need for your trip at thuisvaccinatie.nl. The first consultation is free for OHRA customers, and if you have additional insurance, the costs of the vaccinations are eligible for reimbursement.

OHRA Discounts

At OHRA, if you are a student at Utrecht University or Erasmus University Rotterdam, for instance, you will receive a discount on your travel insurance. Additionally, through your employer or association, it may in certain cases be possible to get a discount. In addition, you can get a package discount if you have taken out multiple insurances with OHRA.

Contact information OHRA

	Contact information
Telephone number	026 – 400 40 40
Website	www.ohra.nl