I’m going to emigrate

I’m going to emigrate and want to be well insured abroad

OOM Verzekeringen has been specialised in special insurance since 1940. Since the 1970s, we have offered products that are well suited to emigrants. For you, our products mean good insurance abroad from a trusted Dutch insurance company. 

What insurance could you need?

If you move abroad, your insurance needs will probably be the same as in the Netherlands. Good health insurance is necessary, sometimes even compulsory, but household contents insurance and third party insurance is also recommended.

You can choose to take out this insurance in your new home country, but there may be a language barrier, or the insurance may simply not be offered.

OOM Verzekeringen offers eight products for people moving abroad. For example, you can insure your health costs, travel and household contents with us. You can also protect yourself against the cost of liability, cancellation, accidents, SOS and legal assistance.

Living abroad and your health insurance

• Always check your current health insurance policy. Tell your current insurer what you will be doing and for how long. They can tell you whether you are obliged to retain Dutch national health insurance. If not, OOM Verzekeringen's OOM Wonen in het Buitenland Insurance is a good alternative.  
• Dutch national health insurance never reimburses more than the usual rate in the Netherlands. However, expenses are often much higher abroad than in the Netherlands. This may be because the charges are simply higher or because there are price arrangements in the Netherlands for certain treatments. So it is a good idea to be well insured.

OOM Verzekeringen's OOM Wonen in het Buitenland Insurance offers:

• reimbursement based on foreign rates (so the actual costs). Some reimbursements do have a maximum, such as costs of dental treatment. Check our coverage summary;      
• different types of coverage possible: Regular, Comfort or DeLuxe;
• free choice of doctors and treatment centres. So you can also go to a private clinic.   
• website, terms and conditions, and forms in Dutch and English;  
• the OOM Emergency Centre to provide help on site worldwide, day or night, if you have to go to hospital;   
• fast application option on the Internet and easy e-mail communication.

Read more about the OOM Wonen in het Buitenland Insurance from OOM Verzekeringen or calculate your premium.  

If treatment abroad is not possible

Sometimes medical treatment is not possible in the country where you live. You will then need to be transported to another country. SOS assistance or repatriation is not part of the Dutch national health insurance. OOM Verzekeringen does offer this coverage. If you take out OOM Wonen in het Buitenland health insurance from OOM, this coverage is included free. SOS insurance can also be taken out separately.

OOM Verzekeringen's OOM Wonen in het Buitenland insurance offers: 

• choice of transportation to the Netherlands or the nearest hospital. This is on condition that treatment cannot be postponed and cannot be provided in the country where you are;   
• SOS insurance starting at 4 euro a month separately;   
• SOS assistance is part of standard coverage for health insurance. 

Other insurance needs for emigrants

In addition to good health or SOS insurance, the following (private) insurances may also be useful:  

• Travel Insurance   
• Household Contents Insurance  
• Third Party Insurance  
• Legal Assistance Insurance  
• Personal Accident Insurance  
• Continuous cancellation insurance

Read more about the OOM Wonen in het Buitenland Insurance from OOM Verzekeringen or calculate your premium.

Which insurance suits my needs?

By entering your data in the decision module on this page, you will immediately see which product is best suited to your needs.