Summary of cover Young Global Traveler insurance region the Netherlands

Health insurance
SOS insurance
Insurance package

Cover Health insurance

Definition of cover	Standard cover	Extensive cover
Including cover for war and kindred risk *) (on a mutual basis)	Cost price (if there are sufficient funds)	Cost price (if there are sufficient funds)
Clinical costs:
Hospital nursing costs (max of 365 days per occurrence)	Cost price	Cost price
Costs specialist	Cost price	Cost price
Additional costs hospital	Cost price	Cost price
Patients' transport	Cost price, own transport max of € 0.20 per km	Cost price, own transport max of € 0.20 per km
Transplantation, haemodialysis, plastic surgeon	Cost price	Cost price
Non-clinical costs:
Specialist	Cost price	Cost price
Laboratory tests	Cost price	Cost price
General practitioner	Cost price	Cost price
Medicines	Cost price	Cost price
Oral contraceptives	-	Cost price
Patients' transport	Cost price, own transport max of € 0.20 per km	Cost price, own transport max of € 0.20 per km
Physiotherapist, remedial therapist, speech therapist	Max of 25 treatments per insured per insurance year	Max of 25 treatments per insured per insurance year
Rehabilitation/outpatients' treatment	Cost price	Cost price
Dental treatment	Exclusively as a result of an accident: max of € 350 per insurance year	Irrespective of its cause: max of € 350 per insured per insurance year
Orthodontic treatment	-	Max of € 1,200 per insured up to age 21 during entire period of insurance with the company
Second opinion	-	Cost price
Psychotherapy (by psychotherapist or psychiatrist)	-	Max of € 700 per insured per insurance year
Preventative medicine	Cost price of vaccinations and immunoglobinen against rabies and tetanus (only after an injury)	Cost price of child health care, Dutch vaccination program, influenza vaccination, investigation of heart and bloodvessels, cerfical and breastcancer (limited in age and number)
Artificial limbs and aids	-	According to the Regulation of Artificial Aids of the company
Alternative treatments	-	Max of € 500 per insured per insurance year
Fertility:
Genetic tests	-	Cost price
Fertility treatments: AI (after a waiting period of 12 months)	-	Cost price : max of 3 treatments for 1st child only
Fertility treatments: IVF/ICSI (after a waiting period of 12 months)	-	Max. of € 3,000 in total for max of 3 treatments for 1st child only
Pregnancy and delivery: unforseen emergency situations	Cost price	Cost price
Pregnancy and delivery (after a waiting period of 12 months)	-	Cost price if the OOM Emergency center is called in in time. If not: max of 65%.
Maternity care	-	Maximum of € 1,500
Induced abortion	-	Cost price
Sterilization man (outpatients' treatment) and woman	-	Cost price
SOS:
Repatriation, including transport of the dead body	Cost price, for special costs maximum amounts	Cost price, for special costs maximum amounts
Tracing and rescue costs	Max of € 10,000 per occurrence	Max of € 10,000 per occurrence
Other cover:
Cover upon temporary stay outside the Netherlands	Max of 30 days	Max of 30 days
Cover upon temporary stay outside the Netherlands for childbirth	Max of 90 days prior to and 90 days after the delivery	Max of 90 days prior to and 90 days after the delivery
Accommodation expenses in connection with medical treatment outside place of residence (not being the land of which insured was a resident before coming to the Netherlands and not being the land of nationality)	Max of € 100 per day up to a max of € 2,000	Max of € 100 per day up to a max of € 2,000

*) War and kindred risk: armed conflict, civil war, uprising, domestic riots, revolt and mutiny.

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Cover SOS insurance

Including cover for war and kindred risk *) on a mutual basis	Cost price (if there are sufficient funds)
Repatriation: patients' air fare air fare and accommodation costs of 1 companion if accompanying is a medical necessity ( this medical necessity is not required when accompanying a child up to and including 16 years of age) air fare of the insured upon return to place of residence air fare and accommodation costs for children up to 24 months of age if repatriation of the mother is necessary and if the children are insured with the company	In case medical treatment cannot be postponed and is not possible on the spot: cost price Accommodation costs: max of € 100 a day up to a max of € 2,000 per illness
Tracing and rescue costs	Max of € 10,000 per occurrence
Transportation of the body	Cost price
Cost of extending the insured's airline ticket in connection with illness/accident during leave in the country where you resided before coming to the Netherlands	Max of € 1,200
Travel and accommodation expenses for one person coming over in case of the insured's peril to life or the insured's death	Max of € 100 per day till € 2,000 maximum
Costs of telecommunication in connection with repatriation	Max of € 125

*) War and kindred risk: armed conflict, civil war, uprising, domestic riots, revolt and mutiny.

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Cover Insurance package

Section 1: Travel insurance
Luggage, including valuables	Current value up to max of € 1,600 per premium paying insured and per insurance year. For specific luggage lower maximum amounts. The own risk amounts to € 125 per occurrence.
Contingencies:
Return as a result of illness, accident or death of family members not traveling with the insured	Cost price
Theft or loss of passport and/or visa	Up to a maximum of € 450
Costs of telecommunication	Cost price to contact the company and the emergency center. To contact others: max of € 150
Section 2: Home contents insurance
Damage or loss of home contents caused by fire, storm or burglary	Up to a maximum of € 5,000. Personal jewelry up to a maximum of € 300 and audiovisual equipment up to a maximum of € 800. No underinsurance will be enforced. The own risk amounts to € 250 per occurrence.
Section 3: Accident insurance
In case of death	Insured sum: € 10,000
In case of permanent disability	Insured sum: € 75,000
When riding a motor bike or scooter of 50cc or more	Maximum of 25% of the insured sum
When riding a motor bike or scooter of 50cc or more without wearing a helmet	Maximum of 10% of the insured sum
Section 4: Legal expenses insurance
recovery of damage criminal proceedings agreements security sum	Up to a maximum of € 12,500 per occurrence and if the interest is at least € 450
Section 5: Liability insurance for private persons
Liability of the insured for damage to persons (bodily injury) and goods	Up to a maximum of € 1,250,000 per occurrence
Provision of security	Up to a maximum of € 125,000

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