Changes in premiums and terms and conditions

We are adjusting the regional classification for some countries. This will affect your premium. 

Newly placed in a different region: 

• Singapore 
• United Arab Emirates 
• Thailand 
• Mexico 

Do you live in one of these countries? Then your region classification — and therefore your premium — will change. That’s why it is important to keep your address details up to date. If your details have changed, please let us know as soon as possible via email. 

The new regional classification is as follows: 

We are introducing a total cap: this is the maximum amount we reimburse per insured person per year for medical expenses. 

• Regular: €2,500,000 per year 
• Comfort: €3,500,000 per year 
• DeLuxe: €4,500,000 per year 

We are introducing a waiting period for pregnancy coverage. This prevents people from only taking out insurance once they require care. 

• New customers: 12-month waiting period
• Existing customers who upgrade their coverage to include pregnancy and childbirth: 12-month waiting period

Starting 1 July, prior approval (pre-authorisation) is required for medical care in the following countries: 

• Singapore 
• United Arab Emirates 
• Thailand 
• Mexico 
• Indonesia 
• Malaysia 
• China 
• Hong Kong 
• Indonesia 

Pre-authorisation is already required in the United States. 

From 1 July 2025, you will need prior approval from the OOM Emergency Assistance Centre for planned medical care in these countries. This includes hospital visits, consultations with specialists or outpatient clinics, and care related to pregnancy or childbirth. You must first contact the assistance centre. They will authorise your treatment and determine the appropriate hospital or healthcare provider. In these countries, you will no longer have a free choice of care provider. The assistance centre will also provide a payment guarantee to the hospital or healthcare provider, so the bill will go directly to us and you won’t need to pay upfront. 

Important: If you undergo treatment without prior approval, we cannot reimburse the costs. 

This requirement does not apply in emergencies. Emergency care refers to treatment needed within a few hours to prevent serious health damage or death — for example, due to an accident or a sudden, life-threatening condition. In such cases, you may of course seek immediate medical help without first requesting approval. 

In all other countries, you are free to choose your hospital or healthcare provider. However, we do ask that you follow the guidance of the OOM Emergency Assistance Centre. 

Do you have Dutch basic health insurance? Until now, you received an extra discount on your premium. This discount will end as of 1 July 2025. The reason: the discount no longer aligned with the average amounts we paid out for claims abroad. As a result, some customers consistently paid less than we reimbursed in claims. To keep the premium fair for everyone and to ensure the insurance remains affordable, we have decided to discontinue the discount.

Download the new policy conditions below and save them to your device: 

• Policy Conditions – OOM Living Abroad Insurance (PDF) 

We are a non-profit insurer. Our goal is to ensure that your premium remains sufficient to cover healthcare costs and claims — while maintaining the quality you expect from us. However, healthcare costs are rising faster than anticipated worldwide. Despite a previous adjustment on 1 January, that has proven to be insufficient. 

That’s why we are introducing additional measures as of 1 July. Not because we want to, but because it is necessary to keep the insurance affordable and sustainable for the future. We do this with a focus on quality and only take measures that are truly needed. 

On this page, you can read what changes apply to you. 

We are introducing a total cap: this is the maximum amount we reimburse per insured person per policy year for medical expenses. 

• Standard: €1,500,000 per year 
• Extended: €2,500,000 per year 

Starting 1 July, prior approval (pre-authorisation) is required for medical care in the following countries: 

• Singapore 
• United Arab Emirates 
• Thailand 
• Mexico 
• Malaysia 
• China 
• Hong Kong 
• Indonesia 

Pre-authorisation is already required in the United States. 

From 1 July 2025, you will need prior approval from the OOM Emergency Assistance Centre for planned medical care in these countries. This includes hospital visits, consultations with specialists or outpatient clinics, and care related to pregnancy or childbirth. You must first contact the assistance centre. They will authorise your treatment and determine the appropriate hospital or healthcare provider. In these countries, you will no longer have a wide choice of care providers. The assistance centre will also provide a payment guarantee to the hospital or healthcare provider, so the bill will go directly to us and you won’t need to pay upfront. 

Important: If you undergo treatment without prior approval, we cannot reimburse the costs. 

This requirement does not apply in emergencies. Emergency care refers to treatment needed within a few hours to prevent serious health damage or death — for example, due to an accident or a sudden, life-threatening condition. In such cases, you may of course seek immediate medical help without first requesting approval. 

In all other countries, you are free to choose your hospital or healthcare provider. However, we do ask that you follow the guidance of the OOM Emergency Assistance Centre. 

Do you have Dutch basic health insurance? Until now, you received an extra discount on your premium. This discount will end as of 1 July 2025. The reason: the discount no longer aligned with the average amounts we paid out for claims abroad. In some cases, you paid less than we reimbursed in costs. To keep the premium fair for everyone and to ensure the insurance remains affordable, we have decided to discontinue the discount.

Download the new policy conditions of the OOM Studying Abroad Insurance below and save them to your device: 

• Policy Conditions – OOM Studying Abroad Insurance (PDF)