Living Abroad Insurance

Living Abroad Insurance

Living Abroad Insurance

For when you are going to live abroad

Living abroad. A dream for many people; and soon to be a reality for you. You want to spread your wings, but you also want to have the same level of insurance as you have in the Netherlands. This is easily arranged with the OOM Living Abroad Insurance.

OOM Living Abroad Insurance

We will be happy to help prepare for your move in any way we can! That's why our Living Abroad insurance is tailored to suit your needs as much as possible:

  • Insurance for an undetermined period abroad
  • Worldwide cover, including if you visit the Netherlands while you’re away
  • Insurance with 3 different types of healthcare cover
  • Optional cover, for example for travel, household contents and legal assistance
  • Discount if you need to keep your Dutch national health insurance

Who is the insurance suitable for?

If you’re a Dutch national and you’re going to live abroad, your personal situation will determine whether or not you will have to retain your Dutch national health insurance. If you cannot keep your Dutch national health insurance, you can still have extensive insurance for healthcare costs with OOM Living Abroad Insurance.

Healthcare insurance

If you have to retain your Dutch national health insurance, OOM Living Abroad health insurance could be useful addition.  For example, if you’re going to a country where…:

  • Medical care is expensive:
    With Dutch national health insurance, you will never receive a higher reimbursement than what you would have had from the Dutch national health insurance.
  • The situation could be dangerous:
    We also reimburse medical expenses as a result of war and kindred risks
  • They ask for an amended insurance statement:
    We will send you an amended statement for a number of countries.

Non-life insurance

You may experience setbacks abroad, just as you might in the Netherlands. If your belongings are stolen, or a family member becomes seriously ill, you'll be glad to know that this is also insured. You can simply buy new items, or travel back to the Netherlands, without incurring huge costs.

What does the insurance reimburse?

Health insurance
SOS insurance
Travel insurance
Cancellation insurance
Household contents insurance
Third party insurance
Legal assistance insurance
Personal accident insurance

How long is the insurance valid?

OOM Living Abroad Insurance can be taken out for an undetermined period.

You can cancel the insurance daily. You can do this via My OOM. If you have already paid for the period after the termination date, the additional premium will be refunded.

When you return to the Netherlands permanently, your healthcare costs will again be covered by mandatory Dutch national health insurance. Please let us know the date on which you plan to return, so that we can terminate your insurance.

What happens if you do not need the insurance anymore?

If you are moving back to the Netherlands, please cancel your Living Abroad Insurance via your personal My OOM account. We will terminate your insurance at the time we receive your request, or at a later time indicated by you.

We will refund any premiums you have paid in advance. 

What is the premium?

Health insurance premium
Dental cover premium
SOS insurance premium
Travel insurance premium
Cancellation insurance premium
Household contents insurance premium
Third-party liability insurance
Legal assistance insurance premium
Personal accident insurance premium

Our Terms and Conditions

Taking out Living Abroad insurance

You can calculate your premium easily online. If everything is in order, you can take out your insurance straight away. 

Good to know

  • Are you ready to go? Our insurance will mean you can leave with confidence! You can calculate your premium easily online. We’ll process your application as soon as possible.
  • Did you know that we might ask you additional medical questions? This is why we recommend you apply for your insurance in plenty of time.


If you have any further questions about your insurance abroad, don’t hesitate to contact us.

Do you have questions?
Frequently asked questions
What am I covered for?
What am I covered for?
Illness, damage and claims
Declare costs