Car

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Building

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Household

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Accident

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Legal aid/counsel

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

  • Covers damages or injuries your pet causes to others.
  • Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

  • Provides additional coverage beyond the limits of your home or auto insurance policies.
  • Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

  • Covers claims made against you for errors or omissions in your professional work.
  • Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

  • Covers damages or injuries caused by a product you manufacture or sell.
  • Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

  • Covers liabilities associated with renting out property.
  • Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

  • Covers damage to the rented property or injuries to others caused by the tenant.
  • Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

  • Covers damage or injuries caused by your boat or other watercraft.
  • Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

  • Covers damage or injuries caused by your bicycle.
  • Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

  • Covers liabilities related to data breaches or cyber attacks.
  • Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

  • Covers claims for personal injuries like defamation, slander, or invasion of privacy.
  • Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

  • Covers liabilities associated with serving alcohol, particularly in businesses.
  • Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

Travel

List of things that are insured:

1. Travel Medical Insurance

  • Coverage: Non-emergency medical care abroad.
  • Why It’s Essential: Ensures you can receive medical treatment for non-emergency conditions, such as illnesses or minor injuries, while traveling without facing huge out-of-pocket expenses.

2. Luggage and Personal Effects Insurance

  • Coverage: Loss, theft, or damage of luggage and personal belongings.
  • Why It’s Essential: Protects your belongings during your trip, ensuring that you can be reimbursed for lost or damaged items, which can be costly and disruptive to your travel plans.

3. Trip Interruption/Cancellation Insurance

  • Coverage: Costs related to trip interruption or cancellation due to non-emergency medical issues.
  • Why It’s Essential: Provides financial protection if you need to cancel or cut short your trip due to a non-emergency health condition, helping you recover costs for unused portions of your trip.

Quotation Form

Non-life insurance policies
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Highlights

The HollandZorg 2023 public health insurance is available for everybody that contributes towards Dutch Social Security. Via LoonZorg this policy is available together with an extra coverage of:

  • The compulsory deductible/excess/’Eigen Risico’ of 385,- euro (No Risk I)
  • 200,- euro coverage for emergency dental care in The Netherlands (No Risk II)
  • Repatriation within geographical Europe (No Risk II)
  • Statutory personal contribution for medicines (No Risk II)
  • Extra coverage for 250,- euro dental care and physiotherapy (6 visits) can be added (No Risk III)

Under this policy:

  • All GPs and all public hospitals in The Netherlands covered / contracted
  • Invoices are usually directly forwarded to the insurance company
  • You are only paying for the days you are insured

Public health insurance Policy

As soon as expats/internationals start working in The Netherlands (except for internship programs), the employer will pay contributions towards Social Security. From that moment on, it is obliged to take out the Dutch public basic health insurance by the expat/international.
We at LoonZorg offer the mandatory Dutch public health insurance policy via the insurance company HollandZorg.

The HollandZorg 2024 public health insurance (including an excess of 385,- euro) has a monthly premium of 149,50 euro and is available for everybody that contributes towards Dutch Social Security.

Extra coverage is offered via a collective agreement through LoonZorg.
Via LoonZorg this HollandZorg 2024 public health insurance is being offered:

  • Together with the No Risk I and the No Risk II supplement
    for an amount of 154,20 euro* ;
    or
  • Together with the No Risk I, No Risk II and the No Risk III supplement
    for an amount of 167,95 euro* .

The extra No Risk I and No Risk II supplements provide people with the following benefits:

  • Coverage of the excess “Own Risk” (385,- euro)! (No Risk I)
  • Coverage of emergency dental care to a value of 200,- euros per year (No Risk II)
  • Coverage of worldwide repatriation (No Risk II)
  • Coverage of the statutory personal contribution on medicines (No Risk II)
  • 2024 monthly premium of 4,70 euro

The extra No Risk III supplement provides people with the following benefits:

  • Coverage of 250,- euro all dental care at the dentist (No Risk III)
  • Coverage of 6 physiotherapy treatments, 100% coverage for contracted care providers (No Risk III)
  • 2024 monthly premium of 13,75 euro

*No extra collective discounts are applicable to these policies.

When filling out the registration form at this website, the No Risk I and No Risk II are already automatically attached to the HollandZorg 2024 public health insurance. The No Risk III is optional.

The only requirements for taking out the HollandZorg 2024 public health insurance including the supplements:

  • You’re a non-Dutch resident, which in most cases means that you do not hold a Dutch passport;
  • People have to be employed in the Netherlands (contribute towards Dutch Social security);
  • People will have to meet the requirements in order to join the Loonzorg collective agreement.

Please find following link to the HollandZorg public health insurance policy conditions including the supplements: HollandZorg 2023 policy conditions 

Please find following link to the summary of the coverage of the No Risk I, II and III:
No Risk I, II and III summary 2024

If you would like to take out the HollandZorg public health insurance without the supplements, No Risk I, No Risk II and No Risk III, please be advised to register directly through the HollandZorg website: www.hollandzorg.com.

Register for HollandZorg public health insurance including supplements