Travel Insurance for the Netherlands

The Netherlands is a true tourist paradise. In Amsterdam, you can explore canal-side streets, while Rotterdam impresses visitors with modern architecture. Additionally, the Dutch coast is loved for its sandy beaches and seaside towns. Just outside Amsterdam, Zaanse Schans feels like a storybook with windmills and green fields. Food is another key reason to visit. Stroopwafels made warm, fresh herring by the harbour, and poffertjes enjoyed with coffee: doesn’t this spark your appetite?

However, as you travel through the Netherlands, a sudden illness, a minor injury while sightseeing, train delays, or misplaced luggage can put your well-planned trip on hold. Imagine going to a hospital for a small case like a cough and cold; it may lead to high out-of-pocket costs.

With IndusInd Netherlands travel insurance, you get financial support for medical treatment and hospital stays. We also cover trip delays, loss of baggage, and financial support for personal liability, helping you manage practical issues smoothly. Most importantly, the 24/7 assistance ensures help is always available, so you can focus on enjoying your journey rather than worrying about unplanned expenses.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

While exploring the canal-lined cities and historic towns, regardless of how cautious a traveller you are, you may encounter setbacks. What if a sudden illness, a misplaced document, or theft on a crowded tram derails your plans? Don't worry, with IndusInd Netherlands Travel Insurance (formerly known as Reliance Travel Insurance), you are covered against unforeseen medical expenses and travel-linked financial woes throughout your journey.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Netherlands

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Netherlands Travel Insurance

Cashless Medical Coverage

What if a pre-existing condition flares up before you set off to chase your itinerary in Amsterdam? With us, you can access medical care up to USD 500,000 and USD 500 for emergency dental needs at approved hospitals across the Netherlands. Simply show your policy documents at the hospital desk, and we handle the rest while you focus on recovery today.

24/7 Emergency Cash Support

What starts as a relaxed ride near Amsterdam’s canals can quickly derail if your wallet goes missing. This is where our best travel insurance for the Netherlands helps you cover meals, travel, and stays. We provide emergency cash of up to USD 300. All you need to do is alert us through our 24/7 assistance desk and get all the help you need.

Flight Delays & Connecting Flights

During peak seasons, major airports across the Netherlands, especially Amsterdam Schiphol Airport, often become crowded. The result? Your flight may experience delays. In such situations, we provide financial support of up to USD 60 per day, provided the delay lasts over 12 hours. This cover is also valid for delays to connecting flights.

Lost Baggage Support

Arriving in the Netherlands and finding your bags missing can instantly ruin the excitement. Rather than stressing, contact us, and we will offer you up to USD 100 for checked baggage delays lasting 12 hours or more. In case of missing luggage, you may receive up to USD 1,500 in financial support to purchase essentials such as clothing and basic toiletries.

Personal Liability

Busy Dutch roads during the holiday season can be overwhelming. If you rent a car and unintentionally injure someone or cause damage to property, you are liable to compensate for the losses. With IndusInd travel insurance in the Netherlands, you receive up to USD 200,000 to manage these legal responsibilities.

Loss of Passport

While travelling across the Netherlands by train or tram, it is easy to overlook your passport during quick changes. The delay in reporting it can lead to legal issues. In such moments, we assist you with up to USD 300 to help cover the unexpected costs of passport replacement abroad at the Indian Embassy in the Netherlands.

Key Features

Key Features of IndusInd Netherlands Insurance

Individual Travel Plan

From cycling through Dutch cities alone to flying in for work meetings, secure IndusInd Travel Insurance for the Netherlands and stay covered against unexpected setbacks that could interrupt your journey at any moment during your time abroad.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

When your family is travelling together across the Netherlands, buying individual cover for each member may not make sense. Choose our family travel insurance plan and secure coverage of up to $250,000. During emergencies, the insured amount is shared among all covered members, based on actual need rather than fixed proportions.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Inlcusion Exclusion

IndusInd Netherlands Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Netherlands Travel Insurance?

Before setting off for the Netherlands, take a moment to buy IndusInd Netherlands Travel Insurance online in minutes. Here’s how.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Netherlands as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Netherlands travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Netherlands Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for the Netherlands

The Netherlands offers various visa types for tourism, business, study, and family visits. This section helps you choose the right one for your travel needs.

Schengen Visa (Type C)

It is a short-stay visa. You should apply for this if you are flying to the Netherlands for tourism, business meetings, visiting family or friends, or attending cultural events. You can apply for this visa to stay for up to 90 days within a 180-day period. The fee is €80 for adults, €40 for children aged 6–12, and free for children under six.

National Visa (Type D)

You need to apply for this Netherlands visa type if you wish to stay in the Netherlands for more than 90 days for purposes such as study, work, family reunification, or long-term residence. This visa can later help you obtain a residence permit, provided you’ve stayed in the country for an extended period.

Business Visa

If you are travelling to the Netherlands for professional purposes, such as attending conferences, meetings, or trade fairs, this visa applies. It follows the Schengen short-stay rules, permitting stays of up to 90 days. However, to obtain this visa, you will need an invitation letter from a Dutch company and proof of existing business ties.

Transit Visa

If, instead of visiting the Netherlands, you are only stopping at a Dutch airport for a flight change or en route to a non-Schengen destination, you will need a transit visa. It is valid only for a short duration and is strictly limited to airport transit, without permitting entry into the Netherlands or the wider Schengen area.

Embassy Contact Details: India and Netherlands

Parameters	Embassy of the Netherlands in India	Embassy of India in the Netherlands
Location	New Delhi, India	The Hague, Netherlands
Address	6/50 F, Shantipath, Chanakyapuri, New Delhi - 110021	Buitenrustweg 2, 2517 KD, The Hague
Contact Number	+91 11 2419 7600	+31 70 346 9771 / Emergency: +31 643743800
Email Address	nde@minbuza.nl	hoc.thehague@mea.gov.in; amb.thehague@mea.gov.in
Website	netherlandsandyou.nl	indianembassynetherlands.gov.in
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	Mon–Fri: 9:00 am – 5:00 pm	Mon–Fri: 9:30 am – 6:00 pm

Best Time to Visit the Netherlands

The best month to visit the Netherlands depends on your budget and what you want to explore.

March to May

What to Expect: Cool to mild weather (8–18°C) with frequent showers and windy days.

Perfect for: Flower lovers, photographers, spring festival fans, and café hopping.

Tourist Flow: Very heavy in mid-April, especially around King’s Day (27 April).

Flights and Hotel Rates: High during peak bloom and festival weeks.

Return Airfare from India (Approx): ₹40,000–₹95,000

Keep in Mind: Book Keukenhof tickets in advance, as crowds on King’s Day can disrupt travel plans.

June to August

What to Expect: Pleasant weather (17–23°C), long daylight hours, and occasional rain showers.

Perfect for: Cyclists, canal cruises, music festivals, beach visits, and outdoor dining.

Tourist Flow: High, especially during European school holidays.

Flights and Hotel Rates: Peak-season pricing, especially on weekends.

Return Airfare from India (Approx): ₹45,000–₹85,000

Keep in Mind: Museums may need advance tickets.

September to February

What to Expect: Mild temperatures in September (15–20°C), cooling by November with crisp air, rain, and autumn colours along canals and parks.

Perfect for: Sightseeing, museums, and cultural events.

Tourist Flow: Low, except around Christmas and New Year.

Flights and Hotel Rates: More affordable than summer; good value overall.

Return Airfare from India (Approx): ₹35,000–₹60,000

Keep in Mind: Pack layers and check for European school holiday weeks. Some rural attractions close or have reduced hours in winter.

Interesting Facts About the Netherlands

Official name: The country’s full name is the Kingdom of the Netherlands, and it is often called just the Netherlands, not “Holland”.

Capital city: Amsterdam is the constitutional capital of the Netherlands, but the government and parliament are in The Hague.

Low land: About one-third of the country lies below sea level and is protected by dikes, dunes, and complex water systems.

Windmills: There are over 1,000 historic windmills preserved across the country.

Flower power: The Netherlands produces about 80 % of the world’s flower bulbs, especially tulips.

Maritime trading pioneer: The Dutch East India Company (VOC), started in 1602, was the first one to issue publicly traded shares.

Bicycles everywhere: There are more bicycles than people, with about 1.3 bikes per person.

Museum-rich: The Netherlands has over 1,000 museums, including the Rijksmuseum and the Van Gogh Museum.

Cheese culture: Dutch cheese like Gouda and Edam is world-famous, and the country exports 500 million kilos of cheese a year.

Milk production: Around 1.5 million cows produce over 10 billion litres of milk annually in the Netherlands.

Essential Apps for Your Netherlands Trip

Translation

If you are looking for an app that supports Hindi, English, and Dutch, you can download Google Translate, DeepL, or Microsoft Translator. Google Translate is not only available in offline mode but also features camera translation for signs and menus. When exploring the Netherlands, you should also have Vasco Translator V4, as it provides instant speech translation.

Accommodation and Hotel Booking

For apps with extensive listings across Amsterdam, Rotterdam, Utrecht, and other cities, try Booking.com, Agoda, and KAYAK. You can also turn to apps like MakeMyTrip and Goibibo, if you want to make INR-based payments and get localised deals. They also offer free cancellation, pay-later options, and filters to shortlist budgeted, family-friendly, or luxury accommodations.

Navigation

The best navigation apps are the ones that allow you to book public transport, provide cycling routes, and give updates on real-time traffic. This is why you can rely on Google Maps and Apple Maps, as they also offer multilingual support. You should also keep apps like Buienradar or Buienalarm on your phone, as they are important for cycling or walking if you plan explore sites on foot.

Transport

If you want to book train tickets and stay up to date with schedules, download NS (Nederlandse Spoorwegen). Install 9292 to get real-time information on public transport such as buses, trams, and metros. For taxis and ride-hailing, Uber is popular in major cities. Turn to Bolt for affordable rides, and Gaiyo to book bikes, cars, and public transport. You can also download the OV-chipkaart app to help manage travel cards.

Sightseeing and Events

Download GetYourGuide, Tiqets, and Viator to book museums, canal cruises, and cultural events. You can also use Booking.com and TripAdvisor for curated experiences. Tiqets is especially useful in Amsterdam for skip-the-line entry to the Van Gogh Museum or Rijksmuseum.

Food Delivery

You can download apps such as Thuisbezorgd.nl and Uber Eats to order in. They all feature Indian restaurants and local cuisine in major cities such as Amsterdam, Rotterdam, and The Hague. For authentic, home-style Indian meals, especially biryanis and curries, across Delft and The Hague, download FooDo.

Key Takeaways

The Netherlands has moved up the travel wish lists of Indian travellers for its scenic canals, compact cities, historic districts, and easy Schengen access. From tram journeys in Amsterdam to café hopping in Utrecht, it delivers a calm yet lively European getaway.

Still, even a short stay in the Netherlands can become stressful if your baggage is delayed or your flight is pushed back after a long haul. In an unfamiliar place, minor issues can quickly feel overwhelming. This makes trip protection important. That is where IndusInd Netherlands Travel Insurance (earlier known as Reliance Travel Insurance) fits in. Built for today’s travellers, it allows instant policy downloads and easy storage on your phone via the IndusInd Insurance app, ensuring help is never far away.

With premiums starting at only ₹306, the plan offers coverage such as cashless medical treatment up to $500,000, protection against trip delays and flight cancellations, financial help for a lost passport, and customer assistance.

Whether you are travelling alone, with friends, or on a family trip, this cover lets you enjoy the Netherlands while focusing on experiences, not travel worries.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Netherlands Travel Insurance Plans Starting at Just ₹306*

Secure Your Dutch Adventure Today!

From cycling through Amsterdam to discovering the windmills of Zaanse Schans, you stay protected with IndusInd Netherlands Travel Insurance. We ensure your adventures remain care-free!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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What are some key tips to remember when travelling to the Netherlands?

When flying to the Netherlands, consider the following tips: Always carry a contactless payment option since many cafés, buses, and even public toilets no longer accept cash. Book intercity trains early during peak seasons. Trains do not require seat reservations, but routes between Amsterdam, Rotterdam, and Utrecht can sometimes get crowded. Watch out for cyclists before crossing any road. Bike lanes are treated as serious traffic zones. Respect quiet hours in residential zones. If there is a noise complaint against you after 10 pm, you may end up paying a penalty. Dress for sudden weather changes. Rain can start without warning, even on sunny days. A compact rain jacket is more useful. Know the rules around cannabis and alcohol. Coffee shops sell cannabis under strict rules, and public drinking is banned in many city centres. Use OV-chipkaart or mobile tickets for public transport. Buying single tickets repeatedly is expensive.

Do I need an international driving licence to drive in the Netherlands?

Most visitors (including Indians) on a temporary visit can use their home licence for up to about six months. However, an International Driving Permit (IDP) is strongly recommended alongside your Indian licence because your licence is not in Dutch. Here, an IDP acts as a recognised translation, helping avoid issues with police or hire companies.

Can I use an Indian SIM card in the Netherlands?

Most Indian carriers, such as Jio, Airtel, Vodafone-Idea, and BSNL, let you roam on Dutch networks once you enable roaming in your plan. However, roaming is very costly for data and calls compared with local prices, and speeds or network access may be limited. A much cheaper and convenient option is to buy a local prepaid SIM on arrival, from providers like KPN, Vodafone, or T-Mobile, or use a travel eSIM that you activate instantly on your phone.

Is Indian food easily available?

Yes, here are some of the restaurants that offer Indian foods: Rasoi, Maasstraat 10, 1078 HJ Amsterdam Ashoka, Spuistraat 3G, 1012 SP Amsterdam Lumbini Restaurant, Amstel 32H, 1017 AB Amsterdam Atithi Indian Restaurant, Vasteland 5a, 3011 BJ Rotterdam 55 Bombay Street, Dominee Jan Scharpstraat 298, 3011 GX Rotterdam What's Up India, Eendrachtsweg 27 B-BE, 3012 LB Rotterdam Atithi Indian Restaurant, Herengracht 7, 2511 EG Den Haag

What documents are required to apply for a Netherlands visa?

To apply for the Netherlands visa, submit a visa application form along with a valid passport issued within the last ten years. Your passport should be valid for at least three months beyond your planned stay and have two blank pages. You must also provide your travel itinerary, including flight and accommodation details, or an invitation letter. Travel insurance with a minimum cover of €30,000, proof of funds, employment or study documents, and a clear cover letter explaining your visit are also required.

Can I use Indian debit or credit cards in the Netherlands?

Yes, you can use your Indian debit or credit card on Visa and Mastercard networks. However, many Dutch places prefer Maestro-style debit cards, so your Indian Visa/Mastercard might still be declined at small stores or supermarkets. The downsides of Indian cards are foreign transaction fees, ATM withdrawal charges, and unfavourable exchange rates. It is better to switch to multi-currency forex or travel cards preloaded with euros or digital cards from Wise/Revolut.

What are some ways to save money when travelling to the Netherlands?

To save money, Stay in satellite towns like Haarlem, Zaandam, or Almere rather than central Amsterdam. These towns are 15–25 minutes by train, and there are far cheaper hotels. Skip the airport trains from Schiphol Airport when possible. Regional buses to nearby towns are much cheaper. Many Dutch museums raise prices annually. It is recommended to buy combo tickets online or get city cards for specific days to save money only if you visit multiple paid attractions. Rent bikes from neighbourhood shops and not tourist kiosks. Their rentals are cheaper and include theft insurance. Eat where locals do lunch. Supermarkets like Albert Heijn and Jumbo offer fresh sandwiches, soups, and ready meals at half the cost of cafés.

What are some places to explore in the Netherlands?

Here are some notable travel destinations in the Netherlands: Amsterdam: Visit the Rijksmuseum and Van Gogh Museum, the Anne Frank House, and take canal cruises across the UNESCO-listed Canal Belt. Visit the Jordaan area for cafés and boutiques. Rotterdam: Go to the Erasmus Bridge, enjoy gastronomic delights at Markthal, take a harbour tour, and visit the Cube Houses. Utrecht: Explore the Dom Tower, Oudegracht’s canals, Museum Speelklok, and Wilhelminapark. The Hague: Visit the Binnenhof, the heart of Dutch governance, and the Mauritshuis for masterpieces by Vermeer. Relax at Scheveningen Beach, and lastly explore the Peace Palace. Maastricht: Visit historic squares like Vrijthof, the underground St. Pietersberg caves, Romanesque churches, and old-town streets shaped by cross-border influences.

What essentials should one pack for travelling to the Netherlands?

When travelling to Netherlands: Pack a light waterproof jacket, quick-dry layers, and a warm jumper. Cities like Amsterdam and Utrecht involve a lot of walking and cobbled streets. Waterproof trainers are far more useful than stylish footwear. The Netherlands uses European two-pin plugs with a 230V supply. A universal adaptor with USB ports is very handy. If you plan to cycle, pack gloves, a reflective band, and know that lights are mandatory at night. Pharmacies are strict. Carry medicines in the original packaging along with a doctor’s note. Carry a reusable water bottle. Tap water is safe and widely available. Restaurants often do not serve free bottled water. Carry a compact power bank: Long train journeys and navigation apps drain batteries quickly.

How to apply for the Netherlands visa?

To apply: Book your appointment online via the VFS Global Netherlands portal. On the scheduled date, submit the required documents at the VFS Global center and complete the biometrics. Pay the visa fees. Track your application status on the VFS portal using a tracking ID. Once processed, collect your passport from the VFS center or opt for courier delivery.

How to get currency exchange before flying to the Netherlands?

The easiest way to get euros is through authorised forex dealers in India, including bank branches and licensed money changers. It is recommended to compare rates online a few days before travel, as airport counters usually charge higher margins. You can also apply for prepaid forex cards in euros, which can be ordered online and delivered home. Avoid street exchangers.