{"type":"document","data":{"id":"0768204d-db93-45a0-9bf9-b072384c0c42","localeString":"en-GB","publishDate":"2026-04-17T16:51:46.862+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Usually, your health insurance reimburses medical costs based on the rates applicable in the Netherlands. However, in some countries, these costs are much higher."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Travel insurance is not only useful for damaged or stolen items. Such insurance also comes in handy if something happens to you personally, such as an accident, food poisoning, or appendicitis. Your health insurance by no means always covers all the costs you incur in such situations.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/2ab02846-216d-4302-8b20-9f037e426145/Portrait-of-a-smiling-boy-with-arms-outstretched","type":"image","width":4281,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/3a66f1740493ba1/original/Portrait-of-a-smiling-boy-with-arms-outstretched.jpg","extension":"jpg"},"title":"What does your health insurance cover when traveling?","subtitle":"Far from everything"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Medical expenses","richBody":{"value":"<p>Usually, your health insurance reimburses medical costs based on the rates applicable in the Netherlands. However, in countries such as the United States, Switzerland, and in Southern Europe, healthcare costs are significantly higher than here. If you have surgery in Switzerland, for example, you will have to pay a substantial amount extra.</p>"}},{"componentType":"paragraph","title":"Other costs","richBody":{"value":"<p>Are you sick or injured and do you need to return to the Netherlands? Health insurance often only covers the costs of your own transport. If your family incurs extra costs for, for example, transport or a hotel, these are usually not reimbursed, even though those costs can add up considerably, especially during the high season. And do you make extra use of your phone or the internet to take care of business? The costs for this are often not covered either.</p>"}},{"componentType":"paragraph","title":"A few more tips","richBody":{"value":"<p><span><span><span><span><span><span><span><span><span><span><span>Because there are so many holiday tips, we have already selected the smartest ones for you:</span></span></span></span></span></span></span></span></span></span></span></p><ul><li>Save important phone numbers in your contacts. But also on a piece of paper, in case you lose your phone.</li><li>Are you flying with multiple people? Distribute your luggage among the suitcases so you are never left empty-handed.</li><li>Prevent burglary in your home. Make your house look lived-in.</li><li>Check your travel insurance on medical expenses. Your health insurance does not cover everything.</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Annual Travel Insurance"},{"url":"/en/personal/insurances/short-travel-insurance","text":"Short Term Travel Insurance"},{"url":"/en/personal/insurances","text":"Insurance via ING"}]},{"componentType":"linkList","iconTitle":{"title":"To the travel blogs"},"textLinks":[{"url":"/particulier/verzekeren/reisverzekering/reisblogs","text":"Read the travel news and travel blogs"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}