This page gives information about health insurance from OOM Insurance. Below, you'll find more information about:
What is insured?
You can choose between standard coverage or extended coverage:
Standard coverage
Standard coverage covers major medical expenses such as:
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cost of physician and/or hospitalisation
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dental treatment following an accident
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repatriation, transport of mortal remains and Search & Rescue (SOS insurance)
Maximum levels apply in some cases for reimbursements or for the number of treatments. You can read more about this in the Coverage Summary.
Extended coverage
Extended Coverage is more like the insurance that you would expect in the Netherlands. It covers:
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all costs that would fall under standard coverage;
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costs of pregnancy and childbirth (after a waiting period of 12 months);
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medical costs related to fertility (after a waiting period of 12 months, and subject to a maximum);
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psychotherapy;
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getting a second opinion;
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preventive medicine;
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medical aids;
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alternative healthcare;
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orthodontics and dental treatment.
Maximum levels apply in some cases for reimbursements or for the number of treatments. You can read more about this in the Coverage Summary.
Where are you insured?
Depending on the country/-ies where you will be staying, you can choose between:
To determine the right region for you, it is important to do more than just think of where you are planning to stay: it is even more important to consider in which country you would want to receive medical treatment. Of any costs you incur in region A, while you were insured for region B, only 50% will be covered.
Example
If you are living or staying in Central America or the Caribbean, it is likely that you will wish to go to the US for medical treatment. In that case, it makes more sense to be insured for Region A, even if you are going to be living or staying in Region B.
What is the deductible?
A deductible for every insured person applies in both Standard Coverage and Extended Coverage. The deductible applies per year or — if shorter — for the entire period insured.
You can choose from a deductible of € 0, € 250, € 500 or € 1,000. The higher the deductible you choose, the lower the premium you will pay.
Coverage for war and associated risks
OOM Verzekeringen is the only Dutch insurer that provides standard coverage for war and associated risks. War and associated risks includes armed conflict, civil war, uprisings, domestic unrest, riots and mutiny. There is normally no right to the reimbursement of medical expenses as the result of war and associated risks. We insure these costs as well. The costs of war and associated risks are insured on a mutual basis. This means that you will be reimbursed the cost price provided there are sufficient resources in the ‘war and associated risks fund’. If there are insufficient resources in the fund, you will be reimbursed a percentage.
More information?
Would you like more information on what to consider when taking out insurance? Please visit 'Wijzer in geldzaken.nl', an initiative from the Dutch Ministry of Finance.
