For health insurance you can make a choice from three types of cover:
Regular
Reimbursement of necessary medical costs including:
- second opinion;
- general practitioner, medication and dressings;
- specialist care, ambulance transport and hospitalisation;
- aids following an accident;
- physiotherapy, manual therapy, remedial therapy and chiropractic treatment (maximum number of treatments);
- speech therapy (a maximum of number treatments);
- psychotherapy (a maximum of number treatments);
- costs of your own medical transport;
- dental costs following an accident, up to €350.
Comfort
Reimbursement of all costs in the Regular cover plus:
- preventative medicine;
- alternative health care;
- glasses and contact lenses;
- orthodontics (up to age 21);
- artificial aids and accessories;
- contraception;
- pregnancy, delivery en maternity care (in the first nine months a maximum amount applies, the partner and other children must have the same coverage);
- fertility treatment (after twelve months);
- dental costs following an accident, up to €475.
DeLuxe
Reimbursement of all costs in the Comfort cover plus:
- unlimited physiotherapy, manual therapy, remedial therapy and chiropractic treatment
- unlimited speech therapy
- orthodontics (age 21 and above)
- pregnancy, delivery and maternity care (in the first nine months a maximum amount applies, the partner and other children must have the same coverage)
- one body scan or complete preventive examination in a five year period
- dental costs following an accident up to €600
The health insurance also covers medical expenses due to war and kindred risks.
For the health insurance you can choose an excess of €250/€500/€1,000. The higher your excess, the lower your premium.
The costs for medical care differ throughout the world. That’s why at OOM Verzekeringen, you can choose from three regions:
- World
With this insurance, you are covered for healthcare costs throughout the world, including the United States.
- World, excluding the USA
You are covered for healthcare costs throughout the world, excluding the United States.
- World, excluding US, China, Hongkong, Malaysia, Singapore and Indonesia
You are covered for healthcare costs throughout the world, excluding the United States and the Asian countries mentioned.
If, at any given time, you travel to a country that is excluded from your insurance, you can temporarily extend your cover. You can change this via My OOM, or by contacting us directly.
SOS insurance is always included in our health insurance. This covers reimbursing the costs of repatriation (return to the Netherlands) or evacuation, if treatment is not possible locally and cannot be postponed.
Social insurance
Legal assistance in a conflict with a Dutch government institution about a social insurance benefit or social security provision.