Am I insured for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’)?
No, you will not be reimbursed for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’) if you have an accident during a skiing holiday.
When do I have to pay the premium for the insurance?
You pay the premium per month, quarter, half year or year. If you choose to pay by ‘bank transfer’, you will not be able to pay per month or quarter.
Will I get the Dutch healthcare allowance (zorgtoeslag) if I take out the OOM Living Abroad health insurance?
The Dutch healthcare allowance is a contribution to the costs of Dutch national health insurance. OOM Verzekeringen does not offer Dutch national health insurance. You will therefore not receive any Dutch healthcare allowance.
Alteration or termination
Can I terminate my insurance earlier?
You can terminate the OOM Living Abroad Insurance at any time. You can do this via My OOM or by sending us an email. We will terminate the insurance on the date we receive your request.
If you did not have mandatory Dutch national health insurance during your stay abroad and then return to the Netherlands for good, we will terminate your insurance on the commencement date of your Dutch national health insurance. In that case, please send us a copy of your Dutch national health insurance policy.
We will refund you if you have already paid the premium for the period after the termination date. You cannot terminate your insurance retrospectively.
Can I include my new-born baby on my insurance?
Yes, you can. In this case, send us an email within a month of the birth stating the child’s name, date of birth and sex. Also include your policy number.
If you register your child later, medical acceptance will apply. On the basis of questions about your child’s health, we will assess whether you can take out insurance. We may decide to insure your child only under adjusted terms and conditions.
Make a note under ‘Additional information’ that you wish to make an inclusion to an existing policy and also include your policy number.
Medical acceptance will apply to your partner and children. On the basis of questions about your partner or children’s health, we will assess whether you can take out insurance.
Your partner or children will have the same cover as you.
I am going abroad. Do I have to retain my Dutch national health insurance?
That depends on your personal situation. You can contact the Sociale Verzekeringsbank (SVB) to find out if you need to retain the Dutch national health insurance or not.
The Dutch national health insurance covers unexpected necessary care worldwide. Bear in mind that reimbursement is based on what the treatment would cost in the Netherlands. In some countries healthcare is much more expensive than in the Netherlands and so you may have to pay a lot extra.
Are sports and extreme sports also covered?
Medical expenses following an accident during sport or extreme sport fall under your health insurance. Providing you did not act with intent or recklessness.
High-risk sports are not covered by personal accident insurance. Sports such as off-piste skiing, rock climbing, white-water rafting and parachuting are some examples. An accident during your occupation as a professional or semi-professional sportsperson is not covered.
Am I insured if something happens to me during work?
Your medical expenses fall under your health insurance. Third party insurance is private and does not apply to liability during business activities, your profession or paid labour. An accident at work is covered by personal accident insurance. This does not apply to risky professions such as window-cleaner and roofer. The insurance will also not pay if the accident happens during professional or semi-professional sporting activities.
I am returning to the Netherlands for a short time, will I still be covered?
Yes, the OOM Living Abroad Insurance offers worldwide cover including a stay in the Netherlands between times. If you return to the Netherlands for good, please inform us. We will then terminate your insurance. We will refund you if you have already paid premiums for the period after the termination date.
Can I take out OOM Dental Cover or the package insurance separately?
You can take out all types of insurance separately, such as household contents, travel or legal assistance. If you have taken out OOM Living Abroad health insurance, the SOS insurance is included, so you do not have to take this out separately.
You can only take out OOM Dental cover in combination with OOM Living Abroad health insurance.
What is the difference with the OOM Temporary Residence Abroad Insurance?
The most important differences are:
The OOM Temporary Residence Abroad Insurance can be taken out for a maximum period of two years; the OOM Living Abroad Insurance is for an undetermined period.
For healthcare costs with the OOM Temporary Residence Abroad Insurance, you can choose between Light, Regular or Comfort cover. With the OOM Living Abroad Insurance you can also choose very extended DeLuxe cover, but not Light cover.
For legal assistance insurance included in OOM Living Abroad Insurance you can also choose Top cover.
What is medical acceptance?
Medical acceptance applies to OOM Living Abroad Insurance. This means that you will first have to answer a few questions about your health and medical situation. We estimate the risk of you incurring medical expenses throughout the duration of the insurance based on this ‘health declaration’.
The health declaration and the assessment by our medical advisor may mean that:
you can take out insurance
you cannot take out insurance
we will insure you under modified terms and conditions, such as not providing cover for diseases for which you have an increased risk