Tips and Guidelines for dealing with Illness or Damage on Global Traveler/Young Global Traveler Insurance
You have taken out Global Traveler Insurance or Young Global Traveler Insurance from OOM Verzekeringen and want to know what to do in the event of illness or damage. Tips and guidelines are provided below.
Health Insurance
SOS or Health Insurance
Other Insurance
OOM Emergency Centre
In the following cases (if you have also insured these risks), always contact the OOM Emergency Centre:
The emergency centre will need the following details from you:
- policy number (absolutely essential, without the policy number the emergency centre will be unable to assist)
- your name and where you can be reached (address, telephone, fax, e-mail)
- details of the hospital (name, address, telephone, fax, e-mail)
- details of the physician (name, address, telephone, fax, e-mail)
- description of the medical situation (e.g. diagnosis or symptoms) date of admission or treatment
- expected duration of hospitalisation
- estimate of costs (if possible)
The earlier the OOM Emergency Centre is notified, the better it can monitor the hospitalisation or repatriation. Monitoring means that the physicians of the emergency centre will maintain contact with the attending physician, so that the prognosis and treatment are clear. The emergency centre will keep the patient informed of the medical information.
The emergency centre can also make arrangements regarding costs with the hospital or transport company. If the costs are covered, the emergency centre will send a letter of guarantee. This means that the emergency centre will transfer the costs directly to the hospital and/or transport company. You then only have to pay your excess.
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Hospitalisation in the Netherlands
Do you need to be hospitalised in the Netherlands? If so, complete the Notification of a Hospitalisation Form and send it as soon as possible, and preferably in advance, to OOM Verzekeringen.
This form is a first step in our assessment to determine whether the hospitalisation costs are covered. We can only inform you and the hospital whether we will reimburse the costs once this assessment has been completed.
If the costs are covered, we will then send a letter of guarantee to the hospital. This means that we will transfer the costs directly to the hospital. You then only have to pay your excess.
Whilst our assessment is still ongoing, we will not issue any guarantee. You must then pay the hospital bill yourself and claim from us afterwards. The Claim form (Young) Global Traveler can be used for this purpose.
Accordingly, the earlier you notify us, the earlier you will know which costs are covered and the earlier we can make arrangements regarding the costs with the hospital.
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Hospitalisation outside the Netherlands
Do you need to be hospitalised outside the Netherlands? If so, immediately contact the OOM Emergency Centre. It monitors the treatment process and makes arrangements regarding the costs with the hospital.
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Hospitalisation, outpatients' department or specialist treatment in the US
Do you need to be hospitalised or undergo specialist or outpatients' department treatment in the US or Canada? If so, immediately contact the OOM Emergency Centre.
Health care is very commercialised in the United States and Canada. Medical treatment costs are regularly inflated. The emergency centre monitors the treatment process in the case of hospitalisation and outpatients’ department or specialist treatment in the US or Canada and makes arrangements regarding the costs with the health care provider.
In the case of other treatment (e.g. general practitioner or medicines), you pay the account first and then claim it afterwards (Claim form (Young) Global Traveler). We advise you to negotiate on the price. Discounts of up to 50% or more can sometimes be obtained.
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Hospitalisation in Canada
Do you need to be hospitalised in Canada? If so, immediately contact the OOM Emergency Centre.
The emergency centre monitors the treatment process in the case of hospitalisation in Canada and makes arrangements regarding the costs with the health care provider.
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Pregnancy and Delivery
The coverage for pregnancy and delivery differs for Standard Coverage and Extended Coverage.
You have insurance with:
Standard Coverage or Extended Coverage which has not yet been in force for 12 months
If you have taken out Global Traveler/Young Global Traveler Health Insurance with Standard Coverage, you only have coverage for unforeseen emergencies that necessitate critical medical intervention. Other costs are not covered. The same applies for the first 12 months of the Extended Coverage.
In the event of an unforeseen emergency that necessitates critical medical intervention, immediately contact the OOM Emergency Centre. The emergency centre will then assess whether the costs qualify for reimbursement, if necessary after consulting our medical adviser.
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Extended Coverage which has been in force for 12 months or longer
If you have taken out Global Traveler/Young Global Traveler Health Insurance with Extended Coverage which has already been in force for more than 12 months and you have to incur costs for pregnancy or delivery, immediately contact the OOM Emergency Centre. The emergency centre monitors the medical process and assesses whether the costs qualify for reimbursement.
It is compulsory in some countries to give birth in hospital. We will reimburse the costs of hospitalisation for the delivery. In this regard, it does not matter whether the hospitalisation was a medical necessity or statutory obligation. It is however conditional on you having notified the emergency centre as soon as you found out that you were pregnant. If you contact the emergency centre too late, or not at all, we will only reimburse a maximum of 65% of the costs.
Maternity Care
The emergency centre does not deal with the reimbursement of maternity care costs. You pay these costs upfront. You can subsequently submit the original invoices via a Claim form (Young) Global Traveler to OOM Verzekeringen. We will reimburse the costs for up to 10 days, up to a maximum of €1,500. If you stay in hospital, we will deduct an amount of €150 for each day of hospitalisation.
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You wish to coinsure your newborn child
Information on the various available options can be found under frequently asked questions and answers.
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Other Medical Treatment
If you are sick and need a physician, you are free to consult physicians or hospitals (within the insured region). You then pay the costs upfront. You can subsequently submit the original invoices via a Claim form (Young) Global Traveler to OOM Verzekeringen. After deducting your excess, we will then reimburse the costs that fall within the coverage of your insurance.
More expensive medical treatment
Are you unable to pay the costs of necessary medical treatment upfront? If so, contact OOM Verzekeringen. We will then contact the health care provider to determine whether the cost of the treatment falls under the coverage of the insurance. If the costs are covered, we will then send a letter of guarantee to the hospital. This means that we will transfer the costs directly to the hospital. You then only have to pay your excess.
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Repatriation on Medical Grounds
If on-site medical treatment is not possible and the treatment cannot be postponed (i.e. only when urgent), immediately contact the OOM Emergency Centre. The emergency centre will then assess whether the costs qualify for reimbursement, if necessary after consulting our medical consultant. If the emergency centre has given approval for repatriation, it will also make the arrangements for travel and costs.
In some very serious cases, it is not possible for medical reasons to repatriate immediately. In that case, one person (a family member or partner) can visit.
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Transport of Mortal Remains
If an insured person dies, immediately contact the OOM Emergency Centre. The emergency centre will take care of the necessary administrative matters and organise the transport of the mortal remains.
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Search and Rescue
If an insured person is missing or has been involved in an accident and an official institution - e.g. the police - has given instructions for a search and rescue or recovery, immediately contact the OOM Emergency Centre. Also send the report of that official institution to the OOM Emergency Centre. The emergency centre will then make arrangements for the costs.
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Repatriation in the event of illness/death in the family or damage at home
Do you wish to return because a family member in the first or second degree has a life-threatening illness or has died? Or is it necessary to return because of serious material damage to your home, household contents or business in the Netherlands, for instance because of a fire or burglary? In these cases, immediately contact the OOM Emergency Centre. It can then make the arrangements for your return trip and the associated costs.
If you have already paid for the return trip, you can claim the costs from Unigarant. The Schadeaangifteformulier Reisverzekering (for the moment only available in Dutch) can be used for this purpose.
- Have you taken out Global Traveler Travel Insurance? If so, this also applies if a non-accompanying housemate has a life-threatening illness or dies.
- Have you taken out the Young Global Traveler Insurance Package? If so, this does not apply in the event of damage to your home, household contents or business. In other words, these costs are not also insured.
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Damage during travel, household contents, personal accident, cancellation, third party or legal assistance insurance
Luggage Damage
In the event of the loss or theft of your luggage, file a report at the local police station. If that is not possible, report the loss or theft to another competent person for this purpose, such as the tour guide or hotel manager. If your luggage is damaged or lost during transport by third parties, file a report in each case with the responsible transport company. The police report, a report setting out the facts and all itemised (specified) invoices of your damaged or lost goods must then be sent to Unigarant. The Schadeaangifteformulier Reisverzekering (for the moment only available in Dutch) can be used for this purpose.
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Household Contents
In each case, you should take immediate measures to limit the damage as far as possible and report it immediately to Unigarant. In the case of arson, burglary, theft, robbery or vandalism, you must also file an immediate report at the local police station. This report must be sent together with your claim to Unigarant.
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Cancellation of Travel or Accommodation
If it is necessary to cancel or prematurely terminate your booked travel or accommodation, you can claim the associated costs from Unigarant.
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Notice of Liability
If you have caused damage to people or property and are held liable as a result, contact Unigarant as soon as possible. If necessary, they can also arrange for security to be furnished.
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Death on account of an accident
If an insured person dies following an accident, the beneficiary must notify Unigarant hereof as soon as possible, but in any case at least 48 hours before the funeral or cremation.
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Invalidity on account of an accident
If you have become permanently disabled following an accident, notify Unigarant hereof as soon as possible, but in any case within three months of the accident.
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Legal Assistance
If you need legal assistance, contact ARAG Rechtsbijstand as soon as possible. See right side of the page for contact details.
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