If you are going abroad for a longer period or indefinitely, to live, work or enjoy your retirement, you will want to be just as well insured as you would be in the Netherlands. OOM Living Abroad Insurance is the perfect choice.
These are the most important features of the OOM Living Abroad Insurance:
If you are a Dutch national and you go abroad for your work, for example, or to enjoy your retirement, your personal situation will determine whether or not you will have to retain your Dutch national health insurance. If you are not allowed to retain Dutch national health insurance, OOM Living Abroad Insurance is the best way to be insured for healthcare costs.
If you have to retain Dutch national health insurance, OOM Living Abroad health insurance could be a useful supplement. For example if you are:
You may experience setbacks abroad, just as you could in the Netherlands. These might include theft of your household contents, a legal dispute you become involved in or the death of a close family member necessitating your hasty return to the Netherlands. With OOM Living Abroad Insurance you decide what you want to insure against.
Health insurance
For health insurance you can make a choice from three types of cover:
Reimbursement of necessary medical costs including:
Reimbursement of all costs in the Regular cover plus:
Reimbursement of all costs in the Comfort cover plus:
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:
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.
Dental cover
You can take out OOM Dental cover to supplement your health insurance. You decide the insured amount (€350/€700/€1,050) per insured period. We will reimburse the following up to this amount:
You will not receive reimbursement for cosmetic treatments such as bleaching. OOM Dental cover has no excess.
SOS insurance
SOS insurance includes covering the costs of repatriation (return to the Netherlands) or evacuation if treatment is not possible locally and cannot be postponed. SOS insurance also covers costs as a result of war and kindred risks.
SOS insurance is included in the health insurance. You can also take out SOS insurance separately, without healthcare cover.
This insurance has no excess.
Travel insurance
The travel insurance applies to all insured parties on the policy and includes cover for:
In some instances a maximum amount may apply, or you will have an excess.
If you have a claim then, in many cases, we will reimburse the replacement value. However, this is not always the case. In a number of cases, you will receive the current value of the item. Here you can read how this works (in Dutch).
Cancellation insurance
The cancellation Insurance applies to all insured parties on the policy. The insurance includes cover for cancellation and transfer costs, for example in the case of:
The insurance covers costs up to €2,000 per person and up to €8,000 per insurance per trip. It does not matter if you are travelling for business or pleasure. This insurance has no excess.
Household contents insurance
The household contents Insurance covers damage to your household contents at your address abroad due to storm, fire or burglary. You decide the insured amount (€25,000/€50,000/€75,000 per event). The reimbursement is based on first loss.
If you would also like to take out house and contents insurance for your home in the Netherlands, take a look at the OOM Achtergebleven Woonhuis-verzekering (in Dutch).
If you have a claim then, in many cases, we will reimburse the replacement value. However, this is not always the case. In a number of cases, you will receive the current value of the item. Here you can read how this works (in Dutch).
Third party insurance
The third party insurance reimburses damage caused by you as a private individual to other individuals or property abroad up to €1,250,000. You are not covered for damage to property that you rent or lease, for example.
Legal assistance insurance
The legal assistance insurance covers the costs of legal support abroad and applies to all insured parties on the policy. The insurance applies to claims from €175 and above. You can choose between Basic cover (for all destinations) or Top cover (for destinations in the EU, US and the UK).
| Basic cover | Top cover (EU/US/UK) | |
|---|---|---|
| Assistance for redress | ✔ | ✔ |
| Criminal law assistance | ✔ | ✔ |
| Assistance with contracts | ✔ | ✔ |
| Social insurance | ✔ | ✔ |
| Pension | ✔ | ✔ |
| Flight Claim Service | ✔ | ✔ |
| Employment | ✔ | |
| Personal and family law assistance | ✔ | |
| Legal assistance relating to property | ✔ |
You can include legal assistance with respect to your house in the Netherlands on the basis of ownership or ownership and rental.
If you make use of your legal assistance insurance, ARAG legal services will assess, on our behalf, whether your request for legal aid is covered by your insurance. If that is the case, ARAG will be the party providing legal support. Local legal service providers will be appointed in consultation with ARAG. These costs will be reimbursed up to €15,000.
You will be able to choose your own legal specialist for cases where a lawyer is not compulsory. If a lawyer is not compulsory and you decide to choose a legal specialist outside ARAG, we will reimburse the costs up to €6,000.
You will not receive legal assistance for events you already knew about before taking out insurance.
Personal accident insurance
The personal accident insurance will make a single payment in the event of permanent disability or death following an accident. The payment will be:
The payment will be lower in the case of a motorbike accident.
Personal accident insurance does not cover any medical expenses following an accident. For this, you can take out OOM Living Abroad health insurance.
You take out OOM Living Abroad Insurance for an undetermined period. You take out continuous cancellation insurance for a minimum of one year.
You can terminate the insurance at any time. Either send us an email or go to My OOM. We will refund any premiums you may have paid for the period after the termination date.
When you return to the Netherlands permanently, you will need mandatory Dutch national health insurance again to cover your healthcare costs. Let us know your date of return, so that we can terminate your insurance.
Personal accident insurance
The premium for personal accident insurance depends on:
| Amount insured on death | Premium per year | Amount insured for disability | Premium per year |
|---|---|---|---|
| €5,000 | €5 | €25,000 | €25 |
| €10,000 | €10 | €50,000 | €50 |
| €25,000 | €25 | €100,000 | €100 |
| €50,000 | €50 | €150,000 | €150 |
To find out exactly what is reimbursed, take a look at the terms and conditions or the coverage summary in PDF.
You can take out OOM Living Abroad Insurance online. Our health insurance is subject to medical acceptance. This means that you will first have to answer a few questions about your health and medical situation. We will assess your answers, to determine if we will take on this insurance. We may decide to insure you under modified terms and conditions.
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Social insurance
Legal assistance in a conflict with a Dutch government institution about a social insurance benefit or social security provision.