Frequently Asked Questions

No, it's necessary to pay the premium in advance for the entire period insured.

Yes that is possible. You can only pay per half year and per year. Monthly and quarterly payments are not possible.
Please use the following details when making transfers from abroad:

• Bank account number: 51.16.15.140
• IBAN: NL91ABNA0511615140 (International Bank Account Number)
• BIC: ABNANL2A (Bank Identifier Code)
• Account holder: OOM Holding N.V. in Rijswijk, The Netherlands
• Payment reference: use your policy number or insurance application number for this purpose

No, this is not possible.

Please use the following details:

• Bank account number: 51.16.15.140
• Account holder: OOM Holding N.V. in Rijswijk, The Netherlands
• Payment reference: use your policy number or insurance application number for this purpose.

• IBAN: NL91ABNA0511615140 (International Bank Account Number)
• BIC: ABNANL2A (Bank Identifier Code)

Yes, that is possible. As soon as a residence permit is issued, you are obliged to take out Dutch national health insurance. You can submit a written request for termination of the insurance to OOM Verzekeringen (e-mail is also acceptable).

Please also send a copy of your residence permit. The insurance will then be terminated as of the date of issue of the residence permit. You will receive a refund of surplus premium. Please inform us on your bank account number in your e-mail.

A deduction will however be made for costs.

Yes, when a visa is refused, it is possible to terminate the insurance and obtain a refund of the premium already paid. You can submit a written request (an e-mail sent to (also allowed via e-mail) for termination of the insurance to OOM Verzekeringen. Indicate your bank account number, too, in your e-mail:

Please also send a copy or scan of the letter of rejection from the embassy/consulate. If the policy has already been issued, a deduction can be made for costs.

Note: Cancellation before the commencement date of the insurance is always possible. You will receive a refund of the premium.

If the insurance is not yet effective, this is always possible.

If the insurance is already effective, this is only possible if:

• an obligation to take out Dutch national health insurance arises, e.g. when a residence permit is issued. The insurance will be terminated from that moment;
• no visa is granted. The insurance will be cancelled;
• the insured person has meanwhile died (termination as of date of death).

You can submit a written request for the amendment of the insurance in one of the following ways:

• by e-mail to info@oomverzekeringen.nl
• by letter to OOM Verzekeringen, P.O. Box 3036, 2280 GA Rijswijk ZH, The Netherlands
• by fax to OOM Verzekeringen, +31 (0)70 360 18 73

This depends on the insurance you have taken out.

Young Global Traveler Insurance / Global Traveler Insurance / OOM Tijdelijk in het Buitenland Insurance
Yes, you can extend the Young Global Traveler Insurance / Global Traveler Insurance / OOM Tijdelijk in het Buitenland Insurance once up to a maximum of 30 days. However, bear in mind that health insurance costs resulting from ailments and complaints that existed on or before the extension date are excluded from coverage. It is not possible to extend the insurance for more than 30 days. Any extension may not exceed the maximum term of the insurance. The maximum term for the Young Global Traveler insurance is five years. The maximum term for the short-term Global Traveler insurance / OOM Tijdelijk in het Buitenland Insurance is two years.

You may however always apply for new insurance. Your state of health and your new application will then be assessed once again.

We advise you not to make the term of the insurance too short. If you return earlier, you can simply cancel the insurance and receive a refund of the surplus premium.

Global Visitor Insurance / OOM Schengen Visitor Insurance
No, it is not possible to extend Global Visitor / OOM Schengen Visitor Insurance. You may however apply for new insurance. It is important to note that ailments and complaints existing on or before the commencement date of the new insurance will be excluded. This also applies to ailments and complaints for which you did receive reimbursement during the first insurance period. We advise you not to make the term of the insurance too short.

OOM Voorlopig Verblijf Nederland Insurance
No, it is not possible to extend OOM Voorlopig Verblijf Nederland Insurance. We therefore advise you not to make the term of the insurance too short. You may however always apply for new insurance. Your state of health and your new application will then be assessed once again. .

OOM Wonen in het Buitenland Insurance
This insurance already has an unlimited insurance period. Extension is not possible.

This depends on the insurance you have taken out.

Young Global Traveler Insurance / Global Traveler Insurance / OOM Tijdelijk in het Buitenland Insurance / OOM Wonen in het Buitenland Insurance
Yes, you can cancel the insurance. We will then terminate the policy as of the date of receipt of your notice (or later, if required) and refund the surplus premium. Termination with retroactive effect is not possible.

Global Visitor Insurance / OOM Schengen Visitor Insurance
In 3 cases you can terminate your insurance early:

• a visa application is rejected;
• a residence permit is issued;
• the insured person dies during the term of the insurance.

• a visa application is rejected;
• a residence permit is issued;
• a residence permit is rejected and the insured person leaves the region of coverage;
• the insured person dies during the term of the insurance.

You can alter the insurance commencement date to a later date. OOM Verzekeringen must then be in receipt of your written request (e-mail is also acceptable) before the current commencement date. Once the insurance is effective, the commencement date cannot be altered any more.

This depends on the insurance you have taken out.

Global Visitor / OOM Schengen Visitor / OOM Voorlopig Verblijf Nederland Insurance
No, you cannot add an insured person to your insurance. You can however make application for that person to have his/her own insurance.

Young Global Traveler Insurance
No, you cannot add an insured person to your insurance. You can however make an application for that person to have his/her own insurance. An exception applies to newborn babies. Children born during the term of insurance of the mother or father can be coinsured from birth (without a health declaration. The child must however be registered in writing (e.g. by e-mail) within one month of the birth.

OOM Tijdelijk in het Buitenland-verzekering / OOM Wonen in het Buitenland-verzekering / Global Traveler Insurance
Children
If one of the parents is already insured at OOM Verzekeringen, children born during the term of the mother’s or father’s insurance can be included on the mother's or father's policy without a health declaration. Children must however be registered in writing (e.g. by e-mail) within one month of the birth.

Older children and childeren registered after 1 month after birth can be added to an existing policy via an online application form. However, the normal acceptance guidelines (including a health risk assessment) apply for this purpose. State in the ‘Explanation of notes’ section that the application involves an addition to an existing policy and provide the policy number.

Partner or travelling group
A partner or travelling mate can be added to an existing policy via a conversion form. However, the normal acceptance guidelines (including a health risk assessment) do apply. State in the ‘Explanation of notes’ section that the application involves an addition to an existing policy and provide the policy number.

Yes, that is possible. However, your stay in the Netherlands must be of a temporary nature. If you come to settle permanently in the Netherlands, you will become eligible again for Dutch national health insurance. You must then apply yourself through one of the providers of Dutch national health insurance.

If you're not insured with us, then you can apply for OOM Voorlopig Verblijf Nederland Insurance for the period you stay in the Netherlands.

If you already have (Young) Global Traveler / OOM Tijdelijk in het Buitenland / OOM Wonen in het Buiitenland Insurance, you already have coverage for a temporary return to the Netherlands. As soon as you become eligible for Dutch national health insurance, there is no further coverage for the Netherlands.

OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland Insurance
Yes, all foreign insurance is available separately. There is one exception. The health insurance already includes SOS insurance. For this reason, the SOS insurance cannot be taken out together with health insurance.

Young Global Traveler Insurance
Yes, this is possible. You can opt for health or SOS insurance and for an insurance package. These three forms of insurance can be taken out separately. If you take out health insurance, you do not need SOS insurance. The health insurance includes SOS coverage. The insurance package consists of six types of insurance that cannot be taken out separately.

This depends on your situation. Are you going to live and/or work abroad or just travel? Will you be staying within the EU or not? Do you receive income and, if so, from which country?

You can obtain more information about the Dutch national health insurance abroad via the Dutch national health insurance information pages. By checking your own specific situation, you can immediately see whether Dutch national health insurance will cover you abroad. Approach your own health insurer for additional advice. It can provide you with more information about your current insurance.

OOM Schengen Visitor Insurance
Yes, that is possible. However, the quickest way to take out insurance is via OOM Schengen Visitor Insurance online. If you have telebanking, you can pay the premium via iDEAL and then print out the policy within one hour, if required with an immediate commencement date.

If you still wish to apply by telephone, call +31 (0)70 353 21 00. After you have provided your details, you will be told what amount to transfer. You will receive the policy as soon as OOM Verzekeringen receives the premium. You have fourteen days to pay the premium. If you pay within fourteen days, the insurance will become effective on the agreed date. If you pay after this period, the insurance can only become effective on the date that OOM Verzekeringen receives the premium (or on such later date as you specify). You will receive the policy within 5 working days of the premium being transferred into our bank account.

OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland/ Young Global Traveler / OOM Voorlopig Verblijf Nederland Insurance
No, this insurance cannot be taken out by telephone. However, you can apply online.

Yes, OOM Schengen Visitor Insurance, OOM Voorlopig Verblijf Nederland Insurance and Young Global Traveler health insurance comply with all the requirements for a Schengen / MVV visa. The requirements are:

• Valid for the entire Schengen area.
• Valid for the entire duration of the stay.
• Coverage for urgent medical care.
• Coverage for repatriation for medical reasons.
• Minimum coverage of €30,000.

Yes, there are two ways:

• If you have banking with a Dutch bank affiliated with iDEAL, you can enter your details via our website, pay the premium and then print the policy within half an hour. For this purpose, go to OOM Schengen Visitor Insurance online applications.
  
  
• You can take out a policy through one of our certified insurance agents during their opening hours. You will receive the policy as soon as you make payment, enabling you, for instance, to immediately apply for a visa. You can send us an e-mail to find out your nearest certified insurance agent. Of course, you can also call us on +31 (0)70 353 21 00.

If you already have Young Global Traveler / Global Traveler / OOM Tijdelijk in het Buitenland / OOM Wonen in het Buiitenland Insurance and cover for region A or B, you already have coverage for a temporary return to the Netherlands. As soon as you become eligible for Dutch national health insurance, there is no further coverage for the Netherlands.

OOM Schengen Visitor Insurance
You must pay the entire premium in advance. It is not possible to pay in instalments.

OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland / Young Global Traveler / Global Traveler Insurance
You can choose from five payment periods. OOM Verzekeringen does not apply any premium surcharge for payment terms:

• pay at once for the entire period insured (not possible for OOM Wonen in het Buitenland Insurance)
• per year
• per half year
• per quarter (in some cases not possible)
• per month (in some cases not possible)

• pay at once for the entire period insured
• per half year
• per quarter

OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland /Young Global Traveler / Global Traveler Insurance
You can choose from an excess of €0,- €250, €500 or €1,000 per year insured (or per period insured, if shorter).

Global Visitor / OOM Schengen Visitor Insurance
The excess for insured persons up to and including the age of 69 is €75 and €150 for insured persons from the age of 70 up to and including 79, per person for the period insured. For persons from the age of 80 and up the excess is €300,-. You cannot purchase coverage for the excess.

OOM Voorlopig Verblijf Nederland Insurance
The excess is €250 per person for the period insured. You cannot purchase coverage for the excess.

OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland / Young Global Traveler / Global Traveler Insurance
If the mother or father has ons of abovementioned insurance, children who are registered within a month of birth with the company (e.g. by e-mail) are coinsured from birth, regardless of any congenital illnesses or defects. In this case, the costs will be reimbursed insofar as they fall under the coverage of the insurance.

If children are not registered within a month of birth, they are not automatically coinsured. A separate application must then be completed for the child. This can be done via a conversion form. In that case, the normal acceptance procedures are followed and a health risk assessment takes place. State in the ‘Explanation of notes’ section that the application involves an addition to an existing policy and do not forget to provide the existing policy number.
Do you have Global Traveler Insurance, then please contact us.

In the case of OOM Tijdelijk in het Buitenland / OOM Wonen in het Buitenland / Global Traveler Insurance, the child is added to either the mother’s or father's policy. In the case of Young Global Traveler Insurance, the child gets his/her own policy and policy number. In both cases, the child receives the same Young Global Traveler Insurance coverage as the mother or father. Ther is one exception: If you, as a parent, have taken out Light-coverage, your child will be insured under Regular-coverage.

OOM Schengen Visitor / Global Visitor Insurance
Your child will not be coinsured on your insurance. You can apply online for a new insurance policy for your child. If it is already known that your child will be hospitalised or is already in hospital, the insurance application will not be accepted. If the insurance application is accepted, medical necessary costs will be reimbursed except when an exclusion applies, including an exclusion for costs of existing ailments and complaints present on or before the commencement date of the insurance.

OOM Voorlopig Verblijf Nederland Insurance
Your child will not be coinsured on your insurance. You can apply online for a new insurance policy for your child. In that case, the normal acceptance procedures are followed and a health risk assessment takes place.

GOOM Schengen Visitor / Global Visitor / OOM Voorlopig Verblijf Nederland Insurance
There is no right to the reimbursement of costs relating to pregnancy for the entire term of these insurance.

OOM Tijdelijk in het Buitenland or OOM Wonen in het Buitenland Insurance with Regular coverage / Young Global Traveler Health Insurance or Global Traveler Health Insurance with standard coverage
The costs of pregnancy and delivery will not be reimbursed, unless there is an unforeseen emergency situation that necessitates critical medical intervention. In this case, contact the OOM Emergency Centre. The OOM Emergency Centre will assess whether the situation qualifies for reimbursement, if necessary after consulting the company's medical consultant.

OOM Tijdelijk in het Buitenland or OOM Wonen in het Buitenland Insurance with Comfort coverage /Young Global Traveler Health Insurance or Global Traveler Health Insurance with extended coverage During the first 12 months of the insurance (calculated from the commencement date of the extended or Comfort coverage)
During the first 12 months of the extended coverage, costs of pregnancy, delivery and maternity care are not reimbursed, except in the event of an unforeseen emergency that necessitates critical medical intervention. In this case, contact the OOM Emergency Centre. The OOM Emergency Centre will assess whether the situation qualifies for reimbursement, if necessary after consulting the company's medical consultant.

After the 12 months of insurance (calculated from the commencement date of the extended coverage)
Report your pregnancy as soon as possible after you become aware thereof to the OOM Emergency Centre or OOM Assistance USA (if you are in US).

• The costs of pregnancy and delivery (regardless of whether the delivery takes place on medical grounds in a hospital, outpatients' department or home) will be reimbursed fully after the first 12 months.
• The maximum reimbursement of home maternity care amounts to €1,500 for a maximum period of 10 days provided these costs were incurred after the first 12 months of the insurance. If you stay in hospital, an amount of €150 will be deducted for each day of hospitalisation.

• The costs of pregnancy and delivery (regardless of whether the delivery takes place on medical grounds in a hospital, outpatients' department or home) will be reimbursed fully from the commencement date of the insurance.
• The maximum reimbursement of home maternity care amounts to €2,250 for a maximum period of 10 days provided these costs were incurred after the first 12 months of the insurance. If you stay in hospital, an amount of €225 will be deducted for each day of hospitalisation.

Yes, that it is possible, but requires a personalised solution. For more information and to take out insurance immediately, if necessary, contact OOM Verzekeringen on + 31 (0)70 353 21 00 or via info@oomverzekeringen.nl.

Often OOM Verzekeringen can offer a customised solution. For more information, contact OOM Verzekeringen on + 31 (0)70 353 21 00 or via info@oomverzekeringen.nl

Policyholder
The policyholder is the individual who takes out the insurance. This individual is responsible for paying the premium as well. A policyholder can also be the insured person, but this is not mandatory.

Insured person
An insured person is an individual whose interests are insured. In the case of health insurance for instance, this is the individual who is able to make a claim. In the case of third party insurance, this is the individual who is insured against liability.

Here are some examples:

Family
The father of a family of four applies for health insurance for himself, his wife, and their two children. Because it is the father who applies, he is the policyholder as well as an insured person. His wife and two children are also insured.

Visitors
Henk Quaadvlieg brings his 85 year-old mother over from Surinam to the Netherlands. His mother needs health insurance to be eligible for a visa. Henk applies for it in the Netherlands for her. Henk is the policyholder, but his mother is the insured person. Henk is not insured under the same policy.

Au pair
The Jansen family wants to bring over an au pair from Thailand to the Netherlands. The mother of the family, Sanne Jansen, applies for health insurance for the au pair in the Netherlands. Mrs Jansen is the policyholder but the au pair is the insured person.

Students
Edwin Jansen is 17 years old and will be going to study in Australia for a year. His father applies for health insurance for him. Edwin is the insured person and his father is the policyholder.

EHIC stands for 'European Health Insurance Card'. If you currently have Dutch national health insurance, you can use this card to show that you have health insurance in the Netherlands.

Our health Insurance policies do not fall under national health insurance; it is a private health insurance policy. For this reason, you will not receive an EHIC.

For our insurance policies for Dutch people abroad, you will receive an insurance card from us stating your policy number, the OOM Emergency Centre telephone number and other important information. This insurance card is not an EHIC card.

In principle, if you accumulate medical fees outside of the Netherlands, you must always pay them yourself first. These medical fees can then be claimed back from OOM Verzekeringen. Except if you're insured for the US, then reimbursement is arranged through the emergency centre OOM Assitance USA.

There is more information on the EHIC available on www.ehic.nl (in Dutch only).

The OOM Schengen Visitor Insurance policy is a medical insurance intended for people staying in the Netherlands temporarily, such as those visiting or travelling through the country. This insurance excludes from coverage all conditions and complaints affecting the insured party on the commencement date. The term is 6 months at most (for persons 80 years or older, the term is 3 months at most). The policy holder may possess any nationality.

De OOM Voorlopig Verblijf Nederland Insurance policy is a health insurance policy intended for people who are coming to settle in the Netherlands and who are waiting to receive a definitive residence permit (often with an authorisation for a temporary stay). You must be approved medically (with a health declaration) for this insurance. You can also apply for dental insurance. The maximum term is 12 months. This insurance can be applied for by people aged 69 years or younger. The policyholder must possess Dutch nationality.

You can also purchase third party insurance together with either insurance policy.

OOM Tijdelijk in het Buitenland Insurance has a maximum term of 2 years. There are three different levels of health insurance coverage under this policy, each with different levels of compensation: Light, Regular en Comfort.

OOM Wonen in het Buitenland Insurance has no limitations in duration. Under this policy, you can also choose for DeLuxe health insurance coverage, which in the first year includes coverage for pregnancy and delivery. There is no Light level of coverage for this policy.

There are various other types of coverage that you can purchase together with either insurance policy: third party, travel, household contents, accidents, and legal assistance.
The highest level of coverage of the legal assistance insurance can only be purchased together with the OOM Wonen in het Buitenland policy.

Every country has its own rules about health insurance. In some cases it may only become clear that the OOM Tijdelijk in het Buitenland Insurance or OOM Wonen in het Buitenland Insurance does not satisfy the local requirements, after you have arrived in the country. If you discover that the country you are in does not accept our insurance, you can terminate the insurance with immediate effect. You can do this by sending an email to info@oomverzekeringen.nl. We will then terminate the insurance with effect from the day we receive your email, at a later date if you prefer. You may of course continue any other cover you have with us.