Expat insurance

Expat insurance

If you're going abroad as an expat, it's important to get proper insurance. Insurance there might not be as straightforward as in the Netherlands. Our expat insurance will mean you can start your adventure with confidence!

Calculate your premium

If you're going abroad as an expat, it's important to get proper insurance. Insurance there might not be as straightforward as in the Netherlands. Our expat insurance will mean you can start your adventure with confidence!

Why take out expat insurance?

If you’re going abroad as an expat, it’s possible that you will no longer be entitled to Dutch national health insurance. For example, because you pay taxes abroad or you are no longer registered in the Netherlands. Even if you can keep your Dutch national health insurance, it often doesn’t provide enough cover abroad.

Some countries do not have a healthcare system like the one we’re used to in the Netherlands or the system there might not provide enough cover. With OOM expat insurance you’re properly insured against unforeseen medical expenses, both abroad and if you visit the Netherlands temporarily.

 

More information about deregistering and your insurance

If you have any questions about your insurance when you emigrate and about deregistering in the Netherlands, you’ll find more information in this blog (only in Dutch).

Contact

Would you rather speak to one of our employees? Please feel free to contact us on +31 (0)70 353 21 00 or email info@oomverzekeringen.nl. Our team is ready to assist you.

Advantages of OOM expat insurance

At OOM, you can find the expat insurance that best suits your situation:

✔ Insurance for 2 years or an idefinite period
✔ Worldwide cover, including if you visit the Netherlands while you're away
✔ A Dutch Assistance Centre available 24/7
✔ Reimbursement for the cost of the treatment in your new country
(even if this is more than in the Netherlands)

 

Cover for the ideal expat insurance for you

OOM has 2 different types of expat insurance available: OOM Living Abroad Insurance and OOM Temporary Residence Abroad Insurance. Both of which ensure you are properly insured for healthcare costs abroad

 

OOM Temporary Residence Abroad Insurance

✔ Cover up to a maximum of 2 years
✔ Can be cancelled daily
✔ Choice of 3 types of cover: Light, Regular and Comfort
✔ Specialist care, ambulance transport and hospitalisation
✔ Physiotherapy, chiropractic treatment, exercise therapy, chiropractic or manual therapy

View our all types of cover
OOM Living Abroad Insurance

✔ Cover for an indefinite period
✔ Can be cancelled daily
✔ Choice of 3 types of cover: Regular, Comfort and DeLuxe
✔ Specialist care, ambulance transport and hospitalisation
✔ Physiotherapy, chiropractic treatment, exercise therapy, chiropractic or manual therapy
✔ Optional extensive pregnancy, childbirth and maternity care

View our all types of cover

Added benefit: This insurance includes SOS insurance! 
This insurance includes cover of the costs of repatriation (return to the Netherlands), or evacuation, if treatment is not possible locally and cannot be postponed.

 

Expat insurance and pregnancy

Maybe you’re not going abroad by yourself, but with your immediate family. In that case, it would be good if your insurance also covers any future family members. With OOM expat insurance you don’t need to worry. Under certain terms and conditions, OOM expat insurance can also cover pregnancy and childbirth costs. In this case, you should select OOM Living Abroad Health Insurance with Comfort or DeLuxe cover. 

You’ll need to insure your partner and any children during the first 9 months. Furthermore, cover for pregnancy, childbirth and maternity care is limited to €2,500 under our Comfort cover and €6,000 under our DeLuxe cover. 

If you’ve been insured with us for more than 9 months with Comfort or DeLuxe health insurance, your family members will not need to be registered and no maximum reimbursement applies. You can also submit your maternity care claim easily online.

 

This is how the healthcare system works in your new homeland

From the United States to Singapore and from Australia to Curaçao, healthcare works differently in every country. We’ll be happy to tell you more about how the healthcare system works in your new home country. So you can make an educated decision on what kind of expat insurance you need.

United States

Healthcare costs in the US are much higher than in the Netherlands. You need to, therefore, make sure you have proper healthcare insurance. Medical expenses may vary in each state. It is important to understand the situation in the state you’re going to. 

More information
Singapore

Singapore has a public healthcare system. However, different rules and fees apply to locals than to foreigners. If you are an expat working in Singapore, you cannot use this healthcare system.

More information
Australia

Australia has a public healthcare system: Medicare. This is funded by the government. Residents pay for it via a tax surcharge. Medicare has limited cover and does not apply in all countries.

More information

Frequently asked questions about expat insurance

For more information, click on the situation that applies to you and take a look at the FAQs.

I will keep my Dutch national health insurance

Do I need to take out additional expat insurance? 
You do not have to, but it is recommended. Dutch national health insurance refunds emergency care worldwide. However, you will never be refunded more than the cost of the treatment in the Netherlands. You may, therefore, have to pay extra if you’re staying in a country where medical costs are higher. For example, if you are going to one of the countries listed below, it is important to take out additional insurance:

•    United States
•    Singapore
•    Malaysia
•    Hong Kong
•    China

Can I get a discount with OOM if I keep Dutch national health insurance?
Yes! As long as you have Dutch national health insurance, we will give you a discount on your healthcare insurance. Your health insurer will cover part of the medical expenses abroad. You can declare the remaining costs with us. To find out the premium discount in your situation, calculate your premium online (without obligation).

My Dutch national health insurance will stop

Is it not better to take out expat insurance in my new home country?

The options vary per country and per person. Find more information about popular destinations. In some countries, it is compulsory to take out insurance locally. We, therefore, highly recommend that you research and compare options in your country of residence. If you’re not planning on working in one location, our expat insurance will travel with you. You can choose between three different regions:

  • World: you’re insured anywhere in the world
  • World excluding US: you’re insured anywhere in the world, except the United States
  • World excluding US, China, Hong Kong, Malaysia, Singapore and Indonesia: you’re insured anywhere in the world, except the United States, China, Hong Kong, Malaysia, Singapore and Indonesia.

 
What if I return to the Netherlands in between?
Upon your final return to the Netherlands, you’ll probably become eligible for Dutch national health insurance. If you have any questions, please contact your health insurer and describe your situation. Once you’ve found suitable Dutch national health insurance, you can cancel your OOM expat insurance. This can be done at any time and is therefore not a problem.

Can I include a family member in my insurance?
Yes. You can register a family member under OOM Living Abroad Insurance or OOM Temporary Residence Abroad Insurance. If you have healthcare insurance, apply for the same insurance via our website and, in the final question, request the addition to your policy. If you do not have health insurance, please send us an email with your relative's initials, last name, gender, date of birth and nationality.

Ready to take out your expat insurance?

Let the adventure begin. If you’re going to work abroad for a maximum of 2 years, take out OOM Living Abroad Insurance. 

> Calculate the premium for Temporary Residence Abroad Insurance

If you want to work abroad for more than 2 years, or are not sure for how long, take out OOM Living Abroad Insurance. This will mean you’re insured for an indefinite period. 

> Calculate the premium for Living Abroad Insurance