OOM Living Abroad Insurance

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For when you are going to live abroad

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.

OOM Living Abroad Insurance

These are the most important features of the OOM Living Abroad Insurance:

  • Insurance for an undetermined period abroad
  • Choose the extent of your health insurance from a range of products including the extensive DeLuxe cover 
  • Choice of cover to include for instance travel, household contents and legal assistance
  • You will have worldwide insurance, including during a temporary return trip to the Netherlands
  • Attractive discount if you have to retain your mandatory Dutch national health insurance

Living abroad: Which insurance?

Health 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:

  • going to a country where medical care is expensive (with the Dutch national health insurance alone reimbursement will never be higher than you would receive in the Netherlands); 
  • visiting a potentially dangerous country or region: we also reimburse medical expenses as a result of war and kindred risks.

Damages insurance

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.

 

Reimbursements for living abroad insurance

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 €0/€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.

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:

  • Six-monthly check-up
  • Dental treatment as a medical necessity, such as diagnostics, prevention and dental hygiene
  • Root canal treatment, crowns and bridges
  • Fillings and anaesthetics

You will not receive reimbursement for cosmetic treatments such as bleaching. OOM Dental cover has no excess.

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.

The travel insurance applies to all insured parties on the policy and includes cover for:

  • theft, loss or damage to luggage up to €3,000;
  • valuables up to €750: you can take out supplementary valuables insurance up to €1,000/ €2,000/ €3,000/ €4,000/ €5,000;
  • repatriation (return to the Netherlands) due to:
    - critical condition or death of a 1st or 2nd degree relative not travelling with you, e.g. parents or grandparents, children or grandchildren, brothers and sisters;
    - serious damage to your house, household contents or business in the Netherlands.
     

In some instances a maximum amount may apply, or you will have an excess.

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 death of a 1st or 2nd degree relative, e.g. parents or grandparents, children or grandchildren, brothers and sisters necessitating your hasty return home;
  • the accommodation you booked being damaged and no longer habitable;
  • serious damage to your house or business premises, causing you to cut short your trip.

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.

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).

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.

The personal accident insurance will make a single payment in the event of permanent disability or death following an accident. The payment will be:

  • €25,000/€50,000/€100,000/€150,000 for permanent disability (you will receive a percentage of this amount, depending on the extent of the disability) and/or
  • €5,000/€10,000/€25,000/€50,000 in the case of death

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.

How long is the insurance valid?

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.

 

What is the premium?

You can calculate your premium online. The premium depends on:

Your age affects your health insurance premium. On reaching the age of 18, 30 and 40 (and every 5 years after that) your health insurance premium will increase.

See the premium table (pdf) for an overview.

You can take out OOM Dental cover to supplement your OOM Living Abroad health insurance. The premium depends on:

  • your age;
  • the insured amount.
Amount insured 4 to 17 years 18 to 39 years 40 years and above
€350 €96 per year €156 per year €201 per year
€700 €240 per year €300 per year €350 per year
€1.050 €350 per year €450 per year €600 per year

Children are insured free of charge until their fourth birthday.

The premium for SOS insurance is €48.48 per person per year. If you choose OOM Living Abroad health insurance, SOS insurance is included and so you do not need to pay an extra premium.

If you take out travel insurance, it applies to all insured parties on the policy. 

Age Basic Advanced Excellent
5 to 29 years €121.99 €136.99 €191.99
from 30 years old €131.99 €146.99 €211.99

Premium including insurance tax. Children are insured free of charge until their 5th birthday (except any insurance premium tax).

You can also choose supplementary insurance for your digital and electronic equipment.

Amount insured Premium per year per person
€500 €37.50
€1,000 €65
€2,000 €90
€5,000 €169

If you take out cancellation insurance, it applies to all insured parties on the policy.

Number of insured Coverage €2000 Coverage €5000 
1 person on the policy €93.17 €147.37
2 persons on the policy €151.20 €260.79
3 persons on the policy €174.24 €339.71

Premiums include insurance tax.

The cancellation insurance including additional cancellation reasons.

Number of insured Coverage €2000 Coverage € 5000,- 
1 person on the policy € 102,49 € 162,11
2 persons on the policy € 166,38 € 286,87
3 persons on the policy € 191,66 € 373,68

Premiums include insurance tax.

The premium for household contents insurance depends on the amount to be insured.

Amount insured Premium per year
€25,000 €181.50
€50,000 €363.00
€75,000 €544.50

Premiums include insurance tax.

The annual premium (including insurance tax) for 1 person is €60.50, and €84.70 for 2 or more people. 

The premium for personal accident insurance depends on:

  • your choice of payment on death and/or permanent disability following an accident;
  • the insured amount.

 

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

Taking out Living Abroad insurance

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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