FAQs

Cover

Why should I buy IPS?

  • IPS offers the medical expenses cover you need for a trip abroad, either as a supplementary cover to an existing medical expenses insurance you might have or as your primary medical expenses cover if you do not have another medical expenses insurance;
  • In addition, it provides a wide range of covers you might need when you go abroad, such as liability, legal aid, baggage, accident, repatriation, etc. For a complete list review the schedule of benefits;
  • Cover can be selected for trips solely within the European Union or worldwide;
  • You can arrange IPS for a long period;
  • You can easily apply for IPS via this website or by phone or fax;
  • Premium can be refunded in the event of an unexpected earlier return to your home country.

Who can be covered by this insurance?

  • Students, scientists or educational staff members, but also people getting in-company placement, trainees (vocational training) and au pairs. Partners and children can also be covered by IPS.

What does IPS cover?

  • IPS can cover medical expenses, emergency dental expenses, extraordinary cost in case of accidents/illnesses like repatriation, liability, legal aid, baggage and accidents. For a complete list review the schedule of benefits;

Can I choose the level of the medical expenses cover I need with IPS?

  • IPS has 3 different packages, to ensure every person can get the right cover:
    • IPS Primary covers medical expenses as a primary insurance. This is meant for you if you do not have a separate medical expenses insurance and only if there is no obligation for you to have the Dutch “Basiszorgverzekering”;
    • IPS Secondary offers excess or supplementary medical expenses cover to a separate primary compulsory coverage for medical expenses that you already hold, such as the Dutch “Basiszorgverzekering” or the EU Health Insurance Card. Your primary insurance must provide cover for medical expenses incurred abroad as a precondition to your right to make any claim under IPS Secondary. IPS Secondary provides coverage for medical and dental expenses only in the event that such expenses are not already covered under the conditions of your primary insurance, or where they are not covered under the primary insurance as a result of a compulsory deductible or benefit limit;
    • IPS Basic does not cover medical and dental expenses. This package is only suitable if you already have adequate medical expenses insurance that fully covers medical expenses in the country where you will be staying.

What does the cancellation option provide?

  • Please note you can choose this option only if you are traveling abroad from the Netherlands. When you choose this option, you are also insured against costs involved in cancellation, delay to departure and/or costs involved in discontinuing your trip. Non-refundable travel and accommodation expenses which you incur when you cancel your trip because of a sudden unexpected event are covered by our policy (see policy conditions), and will be reimbursed up to a maximum of EUR 1,200 by IPS so long as you have chosen this cover option and have paid the premium. If you need a higher sum insured, please contact Lippmann.

What cover is provided by the winter and underwater sport option?

  • If you take this option, IPS covers you when you practice a winter sport (including ice hockey) or an underwater sport in which you use an aqualung. Please note this option is only available if you choose IPS Primary or IPS Secondary.

I am currently receiving medical treatment. Are the treatments related to those existing conditions covered under IPS?

  • No. If at the commencement of your trip there are circumstances known or present such that costs can reasonably be expected to be incurred, these costs are not insured. You can however enjoy full IPS coverage for unforeseen events not related to that pre existing condition.

Type of trip and duration

For which trips can I be insured?

  • IPS is meant for study trips and trips to increase your work experience or where you work as an au pair.

For how long can I be insured?

  • IPS is intended for trips up to 1 year, for longer trips your policy can however be renewed after that year.

When does my cover start?

  • Cover starts the moment you leave your home address or your actual address to go abroad.

Am I covered if I go back home or on a holiday?

  • A temporary return of up to 4 consecutive weeks to your home country is covered, where it involves a family visit or is necessitated by an exceptional event (see policy conditions). Holidays to your home country or other countries are also covered for up to 4 consecutive weeks.

Cost and payment

What does IPS cost?

  • The monthly premium for IPS depends on the package you choose:
    • IPS Primary costs € 36,50
    • IPS Secondary to a destination country within the EU costs € 25,-
    • IPS Secondary to a destination outside the EU costs € 36,50
    • IPS Basic costs € 16,-
  • The minimum premium is the premium for 1 full month;
  • There is an administration charge of € 3,50 per application/renewal;
  • The flat premium for the cancellation option is € 42,-;
  • The monthly premium for winter and underwater Sports option is € 5,-;
  • All premium and costs include the insurance tax due.

How can I pay for IPS?

  • If you have a bank account number in the Netherlands, you can authorize Lippmann to collect the premium due on that account automatically or you can pay by bank transfer upon receipt of an invoice for the premium due.

What will I receive when I have applied?

  • If you apply online, you will receive a confirmation screen and email detailing your provisional cover information.
  • Upon receipt of your payment you will receive policy documents and a guarantee card by post. With this special guarantee card you will have access to the IPS global network, so that wherever you might be, you can call the special help line service, day or night.

How do I ..?

How do I apply for IPS?

  • You can apply for IPS via this internet site or you can post or fax your application form to Lippmann.

How do I make a claim?

  • You need to fill out a claims form which you can download here or which you can receive by calling Lippmann (+ 31 70 302 85 98) and send it to ACE - IPS Claims Service, P.O. Box 8664, 3009 AR Rotterdam, the Netherlands.

How do I make a complaint?

  • We operate a comprehensive procedure. Please click here to review the procedure in full.

About us

Who is Lippmann?

  • W.B.D. Lippmann Groep B.V. is the Dutch broker, which services IPS. It is specialized in the educational segment.
Lippmann contact details

E-mail: info@lippmann.nl
Telephone: +31 70 302 85 98
Fax: +31 70 361 76 10

W.B.D. Lippmann Groep B.V.
Casuariestraat 5
PO Box 30706
2500 GS The Hague
The Netherlands

Who are ACE?

  • ACE European Group Limited is the insurance company that underwrites the IPS program. It is part of the ACE group, a group of insurance and reinsurance companies, having offices in more than 50 countries and among others specialized in travel insurance (see www.acelimited.com).
ACE - IPS Claims service - contact details

E-mail: beneluxclaims@ace-ina.com
Telephone: +31 10 289 35 40
Fax: +31 10 289 35 66

ACE - IPS Claims service
PO Box 8664
3009 AR Rotterdam
The Netherlands

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