You will receive reimbursement for a second opinion.
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 develop pain in your back and legs. The specialist suspects a slipped disc and suggests an operation. You are unsure and ask another specialist for a second opinion. The costs are €550. If you have an excess of €250, you will receive a reimbursement of €300.