Changes to terms and conditions and premiums 2019

OOM Living Abroad Insurance

What will be different from 1 January 2019?

From 1 January 2019, new premiums will apply to the health insurance and the travel insurance.

The terms and conditions for travel insurance will be completely renewed, and the terms and conditions for the cancellation insurance will be extended.

If you are insured with us, then you have already received an email with a link to your personal My OOM page. There you’ll find details of the change to your premium.

Health insurance

From 1 January 2019, the premiums for OOM health insurance will be higher. Click to see the new premium overview (pdf).

Dental insurance

The premium for the OOM Dental Insurance with an insured amount of €350 has decreased with €24 per year. From 1 January children of 3 years and younger will be included in the insurance. The previous age limit was 2 years.

Travel insurance

The travel insurance will be completely renewed. Here you will find a summary of the main changes. Or see all the new policy terms and conditions for OOM travel insurance (pdf).

More options
In the new terms and conditions, you can choose from one of three types of cover: Basic, Advanced and Excellent. This will enable you to tailor your cover to suit your journey. Insured persons who already have OOM travel insurance, will automatically be allocated Advanced cover. Among other things, we will reimburse the following costs:

  Basic Advanced Excellent
Luggage A maximum of €1,500 For certain types of luggage (for example for valuables) a maximum reimbursement applies. Excess: €125 per event. A maximum of €3,000 For certain types of luggage (for example for valuables) a maximum reimbursement applies. Excess: €125 per event. A maximum of €4,500 For certain types of luggage (for example for valuables) a maximum reimbursement applies. Excess: €125 per event.
Hobby and sports gear €250 €300 €600
Jewellery, watches, fur, silver and gold, precious stones and pearls €250 €300 €600
Money No cover No cover A maximum of €250 per person up to a maximum of €500 per policy
Digital/electronic devices €500 per person Note: this amount can be increased. €500 per person Note: this amount can be increased. €500 per person Note: this amount can be increased.
Repatriation due to life threatening event (illness/accident) or death of a 1st or 2nd degree family member who is not a fellow traveller Cost price Cost price Cost price
Costs for lodging and sustenance No cover A maximum of €50 per day A maximum of €80 per day
Winter sports No cover No cover Assistance following an accident: Cost price for ski pass/ski lessons: €300
Travel and accommodation costs after theft or loss of passport, ID card or visa A maximum of €300 per travel companion. A maximum of €600 per travel companion. Cost price

Winter sports and money with Excellent cover
From 1 January 2019, it will also be possible to insure winter sports and money. This is possible with the Excellent cover If you would like to know exactly what is reimbursed, take a look at the policy terms and conditions (pdf).

What are the new premiums for the OOM travel insurance? From 1 January 2019, the annual premiums (including insurance tax) for OOM travel insurance are:

  Basic Advanced Excellent
5 to 29 years of age €103.74 €111.24 €138.74
30 years and above €108.74 €116.2 €147.97

Extra cover for digital/electronic devices
In the OOM travel insurance, digital/electronic devices are insured as a standard for €500 per persoon. You can increase the amount insured with ‘extra cover digital/electronic devices’ to a maximum of €5,000. The extra cover and the corresponding premium, apply per policy.

  Annual premium per policy
€500 €37.50
€1,000 €65.00
€2,000 €90.00
€5,000 €169.00

If you want to make any changes to your policy as a result of these new options, please let us know by sending an email to info@oomverzekeringen.nl.

Cancellation insurance

The OOM cancellation insurance has been expanded, while the premium remains the same. Below, you will find a summary of the main changes. For full details of what is covered, see the policy terms and conditions for the cancellation insurance (pdf).

Increased cancellation costs reimbursed under standard cover
From 1 January 2019, cancellation costs will also be reimbursed if:

  • You are unable to have a vaccine that is compulsory for your travel destination, due to medical reasons
  • You are unexpectedly unable to get a visa for your travel destination
  • This applies only if this visa rejection is through no fault of your own
  • You are unable to travel or you need to interrupt your trip because you are on a waiting list for an urgent medical intervention
  • You unexpectedly need to provide urgent care to a 1st degree family member
  • You are assigned a rented house prior to the start of the trip
  • Note: You will need to provide evidence of this with an official rental contract
  • You are buying or selling a house, and the transfer of ownership is due to happen prior to or during your trip

The premiums per year for OOM cancellation insurance are:

  Cover €2,000 Cover €5,000
1 insured person on policy €93.17 €147.37
2 insured person on policy €151.20 €260.79
3 insured person on policy €174.24 €339.71


New: Cancellation insurance with extra reasons for cancellation
From 1 January 2019, it will also be possible to take out the cancellation insurance with extra reasons for cancellation. The cancellation costs will then also be reimbursed if your journey is cancelled due to:
• The Dutch Ministry of Foreign Affairs issuing a travel advice with colour code orange or red
• A contagious disease (with demonstrable health risks for the traveller) in the region you are planning to visit
• Natural disaster (earthquake, fire (e.g. forest fire), storm, hurricane, tsunami, volcanic eruption) in the region you are planning to visit
• Terrorism in the region you are planning to visit
• Civil disturbance or riots in the region you are planning to visit
• A sudden unannounced strike.

The premiums per year for the options ‘Extra reasons for cancellation’ are:

  Cover €2,000 Cover €5,000
1 insured person on policy €102.49 €162.11
2 insured person on policy €166.38 €286.87
3 or more insured persons on policy €191.66 €373.68

If you want to make any changes to your policy as a result of these new options, please let us know by sending an email to info@oomverzekeringen.nl