We reimburse the costs of ambulance transport if there is a medical necessity, you cannot go to the hospital independently and the transport takes place by road.
With the OOM Living Abroad Insurance you can opt for no excess or an excess of €250, €500 or €1,000. If you have opted for an excess and you incur costs which are covered by the insurance, you then pay the first part of these costs yourself.
You are knocked down by a car on a zebra crossing, fall onto the road and are unconscious. An ambulance transports you to the nearest hospital. The journey costs €700. If you have an excess of €250, you will receive a reimbursement of €450.