Studying abroad with the right insurance

Studying abroad with the right insurance

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Studying abroad with the right insurance

Start your foreign adventure with Dutch confidence

It’s time to broaden your horizons, discover other cultures and make lifelong friends. Whether you’re planning on going abroad for international studies, an internship or a language course, with OOM Studying Abroad Insurance you’ll be well-prepared for your adventure abroad.

Advantages of OOM Studying Abroad Insurance

✔ Choose to be insured for unexpected costs you can’t cover yourself: liability, travel and/or healthcare costs

✔ Worldwide network of clinics that we will reimburse in full, including private clinics

✔ 24/7 support in finding the right clinic, via Dutch Assistance Centre

✔ You’re also insured for healthcare costs during other adventures such as diving and winter sports

Terms & conditions

Health insurance

  • Choose either standard cover or extended cover

  • A maximum amount or a maximum number of treatments may apply

  • Choice of excess of € 0 or € 150

  • Dental costs following an accident up to € 500

  • Standard dental costs up to € 450 (up to age 17)

What is not covered by the insurance?

Not all medical expenses are covered by the healthcare cover. For example, you will not be reimbursed for:

  • pregnancy if you were already pregnant before you took out insurance, including in the case of miscarriage or other complications
  • preventative medicine, chiropractor or manual therapist

If you are going to stay in the United States, you must take out insurance for your stay there. You are then also insured in the rest of the world. If you are going to stay in another country, your medical expenses are covered worldwide, but not in the US. You can extend your coverage to the US by paying an extra premium. You can also do this for a shorter period if you visit the US temporarily during your stay abroad. You can change this via My OOM or you can contact us.

Dental cover (18 years and above)

OOM Dental Cover is additional cover added to your healthcare insurance for standard dental costs up to € 350. No excess is charged for this extra cover.

Insurance package

A package with cover for:

  • household contents (up to € 5,000)
  • personal liability (up to € 1,250,000; no cover for damage to items such as those you are renting or leasing)
  • travel (excess of € 125 in the event of theft, loss or damage to luggage)
  • legal assistance (for claims over € 450)
  • accidents (payment on death € 10,000; on permanent disability up to €75,000)


What is not covered by the insurance?

The OOM Studying Abroad Insurance Package does not reimburse all costs. Bear in mind that:

  • household contents cover is only for your stated address
  • you will not receive legal assistance for events you were already aware of before you took out insurance 

For most claims, we will reimburse the replacement price, but not in every case. Sometimes we only reimburse the current value. Please read how depreciation works (in Dutch).

To find out exactly what is reimbursed, take a look at the coverage summary or terms, conditions and insurance card 

About OOM Studying Abroad Insurance

Is this for you?

If you’re between 15 and 29 years of age, have Dutch nationality and are going abroad for your studies, an internship or as an au pair for a maximum of 5 years, then this insurance is perfect for you!

How long is the insurance valid, and can I terminate it sooner?

You can take out insurance for a period from 1 day up to a maximum of 5 years, providing you are no older than 29 years on the start date. 

If your stay abroad is longer than you expected, you may extend the insurance once by a maximum of 2 months, providing you are not insured for more than 5 years. If you do not know how long you will need insurance, it is better to choose a longer periode rather than one that may be too short. You can cancel the insurance on a daily basis, via My OOM.  If you have already paid your premium in advance, then we will refund it to you. 

How much does the insurance cost?

The premium for Studying Abroad Insurance depends on the type of cover and the own risk excess you choose. You’ll receive an attractive discount if you have compulsory Dutch national health insurance. 

Calculate your premium for more information 

Please note: The premiums will change as of January 1, 2025. Are you taking out insurance from 2025? Then you will automatically see the new premiums.

Ready to take out OOM Studying Abroad Insurance?

Make sure you’re properly insured for your studies abroad.

Good to know

  • Are you ready to go? Our insurance will mean you can leave with confidence! You can calculate your premium easily online. We’ll process your application as soon as possible.
  • Did you know that we might ask you additional medical questions? This is why we recommend you apply for your insurance in plenty of time.

 

If you have any further questions about your insurance abroad, don’t hesitate to contact us.

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