Frequently asked questions
Illness, damage and claims
I need hospitalisation or need to receive medical treatment. What should I do?
We would like to help you quickly. Please read what to do in the case of hospitalisation or other medical treatment.
I want to report a claim, what should I do?
Am I insured for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’)?
No, you will not be reimbursed for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’) if you have an accident during a skiing holiday.
When do I have to pay the premium for the insurance?
You pay the premium:
- in advance for the entire insured period
- per month, quarter, half year or year
You do not have to pay a premium surcharge for payment in instalments.
If you choose to pay by ‘bank transfer’, you will not be able to pay per month or quarter.
Will I get the Dutch healthcare allowance (zorgtoeslag) if I take out the OOM Studying Abroad health insurance?
The Dutch healthcare allowance is a contribution to the costs of Dutch national health insurance. OOM Verzekeringen does not offer Dutch national health insurance. You will therefore not receive any Dutch healthcare allowance.
Alteration, extension or termination
Can I extend my insurance?
You may extend the OOM Studying Abroad Insurance once, for a maximum of 30 days provided that the total time you are insured does not exceed five years. If you need insurance for longer, you can apply for the OOM Studying Abroad Insurance again. We will then assess your application and the health declaration. If you don’t know how long you will need insurance, it is therefore better to choose a longer period rather than one that may be too short.
Can I terminate my insurance earlier?
If you did not have mandatory Dutch national health insurance during your stay abroad and then return to the Netherlands for good, we will terminate your insurance on the commencement date of your Dutch national health insurance. In that case, please send us a copy of your Dutch national health insurance policy.
We will refund you if you have already paid the premium for the period after the termination date. You cannot terminate your insurance retrospectively.
Am I covered by the Dutch national health insurance if I am a student, intern or au pair abroad?
That depends on your personal situation. If you work abroad, also while studying, and pay social security contributions in that country, you will not be eligible for the Dutch national health insurance. You can contact the Sociale Verzekeringsbank (SVB) to find out if you need to retain the Dutch national health insurance or not.
The Dutch national health insurance covers unexpected necessary care worldwide. Bear in mind that reimbursement is based on what the treatment would cost in the Netherlands. In some countries healthcare is much more expensive than in the Netherlands and so you may have to pay a lot extra.
Am I insured if I return home in between times?
If you return to the Netherlands in between times, you will still be insured by your OOM Studying Abroad Insurance. You will not have healthcare cover in the Netherlands if you need to take out the mandatory Dutch national health insurance.
Can I take out OOM Dental cover or the package insurance separately?
You can take out package insurance separately. With the package insurance you are insured for household contents, liability, travel, legal assistance and accidents. These types of insurance can only be taken out as a package, not as separate items.
OOM Dental cover can only be taken out in combination with the OOM Studying Abroad health insurance.
Are sports and extreme sports also covered?
Medical expenses following an accident during sport or extreme sport fall under your health insurance. Providing you did not act with intent or recklessness.
High-risk sports are not covered by personal accident insurance. Sports such as off-piste skiing, rock climbing, white-water rafting and parachuting are some examples. An accident during your occupation as a professional or semi-professional sportsperson is not covered.
What is medical acceptance?
Medical acceptance applies to OOM Studying Abroad Insurance. This means that you will first have to answer a few questions about your health and medical situation. We estimate the risk of you incurring medical expenses throughout the duration of the insurance based on this ‘health declaration’.
The health declaration and the assessment by our medical advisor may mean that:
- you can take out insurance
- you cannot take out insurance
- we will insure you under modified terms and conditions, such as not providing cover for diseases for which you have an increased risk