You will receive reimbursement for laboratory tests if:
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 experience pain and bleeding during urination and go to the General Practitioner. They send your urine to a laboratory for testing. The costs are €295. If you have no excess, you will receive a reimbursement for the total costs.