
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!
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
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
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.
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.
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.
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
My Dutch national health insurance will stop
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.