You will receive a reimbursement for medication and dressings 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 fall during a cycling trip. You break your wrist and sustain considerable wounds to your arm. You are treated in hospital. The doctor prescribes painkillers, a sling and ssings. The costs are €275. If you have no excess, you will receive reimbursement for the total costs.