Insuring against the risk of war and kindred risks (encompassing armed conflict, civil war, domestic unrest, uprisings, riots and mutiny) is prohibited in the Netherlands. There is an exception for travel insurance, which may offer coverage for war and kindred risks. Therefore, there is no coverage for health expenses as a result of war and kindred risks under your compulsory Dutch national health insurance and additional insurance.
An exception has also been made for mutual trust companies in the Netherlands that enter into damage insurance exclusively regarding damage caused by or arising from war and kindred risks. OOM Verzekeringen meets the case of this exception.
The OOM Temporary Residence Abroad Insurance, OOM Living Abroad Insurance, Global Traveler and Young Global Traveler Health and SOS insurance policies therefore also offer coverage for medical and SOS expenses incurred as a result of war and kindred risks. This coverage is on an individual basis. This means that you will be reimbursed the cost price, if and only if there are sufficient resources in the “war and associated risks fund” (molestkas). If there are insufficient resources in the fund for a full payout, you will be reimbursed a percentage of your costs. This mutual arrangement applies only to health expenses or SOS expenses incurred by war and kindred risks.
Note: You cannot apply for Global Traveler Insurance anymore.