Contact information OHRA
| Contact information | |
|---|---|
| Telephone number | 026 – 400 40 40 |
| Website | www.ohra.nl |
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.
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
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Coverage cancellation module | Depends on the travel sum. | Cancellation costs are reimbursed up to a maximum of €1,500 per insured per trip. |
| Premium | – | €2.46 extra per month |
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
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Replacement transport | Max. €100 per day for rental of replacement transport for up to 25 days. | Max. €100 per day for rental of replacement transport for up to 25 days. |
| Driver incapacitation | With the OHRA Assistance Service, you will receive help or reimbursement of costs resulting from the driver’s incapacitation + max. €75 for extra accommodation costs per person per day for up to 10 days. | With the OHRA Assistance Service, you will receive help or reimbursement of costs resulting from the driver’s incapacitation + max. €75 for extra accommodation costs per person per day for up to 10 days. |
| Legal assistance | No legal support. | No legal support. |
| Premium | €22.26 extra (based on a 14-day holiday) | €1.89 extra per month |
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
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Accidents module coverage | In the event of permanent disability, up to €75,000, and in case of death, up to €25,000. | In the event of permanent disability, up to €75,000, and in case of death, up to €25,000. |
| Premium | €1.50 extra (based on a 14-day holiday) | €0.63 extra per month |
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
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Winter sports module | – Compensation for skis and winter sports equipment up to €1,250. – Winter sports helpline – Compensation of costs due to an accident during winter sports. |
– Compensation for skis and winter sports equipment up to €1,250. – Winter sports helpline – Compensation of costs due to an accident during winter sports. |
| Premium | €17.28 extra (based on a 14-day holiday) | €1.11 extra per month |
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
| Short-term travel insurance | Continuous travel insurance | |
|---|---|---|
| Money Module | Compensation for theft and loss of money/cheques up to max. €750,- per trip. | Compensation for theft and loss of money/cheques up to max. €750,- per trip. |
| Premium | €10.50 extra (based on a 14-day holiday) | €1.77 extra per month |
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.