OOM Temporary Residence Abroad Insurance

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Insurance for a temporary stay abroad

If you’re going abroad on a world trip, to do voluntary work, or because you have been posted abroad as part of your job, you’ll want to be as well insured as you are in the Netherlands. OOM Temporary Residence Abroad Insurance is the perfect choice.

Summary

These are the most important features of the OOM Temporary Residence Abroad Insurance:

  • Insurance for a stay abroad for up to two years
  • Choose the extent of your health insurance
  • Choice of cover to include for instance travel, household contents and legal assistance
  • You will have worldwide insurance, including during a temporary return trip to the Netherlands
  • Attractive discount if you have to retain your mandatory Dutch national health insurance

Who is the insurance for?

Health insurance

If you are a Dutch national and are going abroad for your work, for example, your situation will determine whether or not you will have to retain your Dutch national health insurance. If you are not allowed to retain Dutch national health insurance, OOM Temporary Residence Abroad Insurance allows you to insure yourself for healthcare costs.

If you have to retain Dutch national health insurance, OOM Temporary Residence Abroad health insurance could be a useful supplement. For example if you are:

  • going to a country where medical care is expensive (with the Dutch national health insurance alone reimbursement will never be higher than you would receive in the Netherlands); 
  • visiting a potentially dangerous country or region: we also reimburse medical expenses as a result of war and kindred risks.

Damages insurance

You may experience setbacks abroad, just as you could in the Netherlands. These might include theft of your household contents, a legal dispute you become involved in, or the death of a close family member necessitating your hasty return to the Netherlands. With OOM Temporary Residence Abroad Insurance you decide what you want to insure against.

What does the insurance cover?

Health insurance

For health insurance you can make a choice from three types of cover: 

Light

Reimbursement of necessary medical costs including:

  • general practitioner;
  • medication and dressings;
  • specialist care;
  • ambulance transport and hospitalisation;
  • aids following an accident;
  • dental costs following an accident, up to €225.

Regular

Reimbursement of all costs under the Light cover plus:

  • second opinion;
  • physiotherapy, manual therapy, remedial therapy and chiropractic treatment (maximum number of treatments);
  • speech therapy (a maximum of number treatments);
  • psychotherapy (a maximum of number treatments);
  • costs of your own medical transport;
  • dental costs following an accident, up to €350.

Comfort

Reimbursement of all costs in the Regular cover plus:

  • preventative medicine;
  • alternative health care;
  • glasses and contact lenses;
  • orthodontics (up to age 21);
  • artificial aids and accessories;
  • contraception;
  • pregnancy, delivery en maternity care (after twelve months);
  • fertility treatment (after twelve months);
  • dental costs following an accident, up to €475.

The health insurance also covers medical expenses due to war and kindred risks.

For the health insurance you can choose an excess of €0/€250/€500/€1,000. The higher your excess, the lower your premium. 

Sometimes there is a maximum amount or a maximum number of treatments covered. If you would like to know exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).

If you are staying in the United States, you will have standard worldwide cover for healthcare costs, i.e. including in the US. If you are staying in another country, you will have worldwide cover for healthcare costs, but not in the US. By paying an extra premium, you can extend your cover to include the US. This is also possible for a shorter period, for example if you go to the US in between times. You can change this via My OOM, or by contacting us directly.

SOS insurance is always included in our health insurance. This covers reimbursing the costs of repatriation (return to the Netherlands) or evacuation, if treatment is not possible locally and cannot be postponed.

OOM Dental cover

You can take out OOM Dental cover to supplement your health insurance. You decide the insured amount (€350/€700/€1,050) per insured period. We will reimburse the following up to this amount:

  • Six-monthly check-up
  • Dental treatment as a medical necessity, such as diagnostics, prevention and dental hygiene
  • Root canal treatment, crowns and bridges
  • Fillings and anaesthetics

You will not receive reimbursement for cosmetic treatments such as bleaching. OOM Dental cover has no excess.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf). 

SOS insurance

SOS insurance includes covering the costs of repatriation (return to the Netherlands) or evacuation if treatment is not possible locally and cannot be postponed. SOS insurance also covers costs as a result of war and kindred risks

SOS insurance is included in the health insurance. You can also take out SOS insurance separately, without healthcare cover.

This insurance has no excess. To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).

Travel insurance

The travel insurance (pdf) applies to all insured parties on the policy and includes cover for:

  • theft, loss or damage to luggage up to €3,000;
  • valuables up to €750: you can take out supplementary valuables insurance up to €1,000/ €2,000/ €3,000/ €4,000/ €5,000;
  • repatriation (return to the Netherlands) due to:
    - critical condition or death of a 1st or 2nd degree relative not travelling with you, e.g. parents or grandparents, children or grandchildren, brothers and sisters;
    - serious damage to your house, household contents or business in the Netherlands. 

In some instances a maximum amount may apply, or you will have an excess.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).
 

Cancellation insurance

The cancellation insurance (pdf) applies to all insured parties on the policy. You can only take out this insurance for a period of one year or longer. The insurance includes cover for cancellation and transfer costs, for example in the case of:

  • the death of a 1st or 2nd degree relative, e.g. parents or grandparents, children or grandchildren, brothers and sisters necessitating your hasty return home;
  • the accommodation you booked being damaged and no longer habitable;
  • serious damage to your house or business premises, causing you to cut short your trip.

The insurance covers costs up to €2,000 per person and up to €8,000 per insurance per trip. It does not matter if you are travelling for business or pleasure. This insurance has no excess.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).

 

Household contents insurance

The household contents insurance (pdf) covers damage to your household contents at your address abroad due to storm, fire or burglary. You decide the insured amount (€25,000/€50,000/€75,000 per event). The reimbursement is based on first loss.

You have an excess of €250 per event. A maximum amount applies to jewellery and audio-visual appliances.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).
 

Third party insurance

The third party insurance (pdf) reimburses damage caused by you as a private individual to other individuals or property abroad up to €1,250,000. You are not covered for damage to property that you rent or lease, for example.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).

Legal assistance insurance

The legal assistance insurance (pdf) covers the costs of legal support abroad and applies to all insured parties on the policy. The insurance applies to claims from €175 and above and covers:

If you make use of your legal assistance insurance, ARAG legal services will assess, on our behalf, whether your request for legal aid is covered by your insurance. If that is the case, ARAG will be the party providing legal support. Local legal service providers will be appointed in consultation with ARAG. These costs will be reimbursed up to €15,000.

You will be able to choose your own legal specialist for cases where a lawyer is not compulsory. If a lawyer is not compulsory and you decide to choose a legal specialist outside ARAG, we will reimburse the costs up to €6,000.

You will not receive legal assistance for events you already knew about before taking out insurance.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).  

Personal accident insurance

The personal accident insurance (pdf) will make a single payment in the event of permanent disability or death following an accident. The payment will be:

  • €25,000/€50,000/€100,000/€150,000 for permanent disability (you will receive a percentage of this amount, depending on the extent of the disability) and/or
  • €5,000/€10,000/€25,000/€50,000 in the case of death

The payment will be lower in the case of a motorbike accident.

Personal accident insurance does not cover any medical expenses following an accident. For this, you can take out OOM Temporary Residence Abroad health insurance.

To find out exactly what is reimbursed, take a look at the coverage summary (pdf) or the policy terms and conditions (pdf).

How long is the insurance valid?

The OOM Temporary Residence Abroad Insurance has a flexible duration from one day to a maximum of two years. For cancellation insurance a minimum duration of one year applies.

You can terminate the insurance in writing at any time. Either send us an email or go to My OOMWe will refund any premiums you may have paid for the period after the termination date. 

If your stay abroad is longer than you had first thought, you may extend the insurance once by a maximum of two months, providing you are not then insured for more than two years.

If you already know you will be staying abroad for more than two years, OOM Living Abroad Insurance may be a more suitable alternative for you.

When you return to the Netherlands permanently, you will need mandatory Dutch national health insurance again, to cover your healthcare costs. Let us know your date of return, so that we can terminate your insurance.

What is the premium?

Health insurance

You can calculate your premium online. The premium depends on:

The premium overview (pdf) contains details of your premium. 

OOM Dental cover

You can take out OOM Dental cover to supplement your OOM Temporary Residence Abroad health insurance. The premium depends on:

  • your age;
  • the insured amount.
Amount insured 3 to 17 years 18 to 39 years 40 years and above
€350 €120 per year €180 per year €225 per year
€700 €240 per year €300 per year €350 per year
€1,050 €350 per year €450 per year €600 per year

Children are insured free of charge until their 3rd birthday.

SOS insurance

The premium for SOS insurance is €48.48 per person per year. If you choose OOM Temporary Residence Abroad health insurance, SOS insurance is included and so you do not need to pay an extra premium.

Travel insurance

If you take out travel insurance, it applies to all insured parties on the policy. 

Number of insured Premium per year
1 person on the policy €85.49
2 persons on the policy €170.98
3 persons on the policy €257.43
for every extra person + €83.00

Premium including insurance tax. Children are insured free of charge until their 5th birthday (except any insurance premium tax).

You can also choose supplementary insurance for your valuables.

Amount insured Premium per year per person
€1,000 €38
€2,000 €53
€3,000 €68
€4,000 €83
€5,000 €98

Cancellation Insurance

If you take out cancellation insurance, it applies to all insured parties on the policy. You can only take out this insurance for a period of one year or longer.

Number of insured Premium per year
1 person on the policy €93.17
2 persons on the policy €151.20
3 or more persons on the policy €174.24

Premiums include insurance tax.

Household contents insurance

The premium for household contents insurance depends on the amount to be insured.

Amount insured Premium per year
€25,000 €181.50
€50,000 €363.00
€75,000 €544.50

Premiums include insurance tax.

Third party insurance

The annual premium (including insurance tax) for 1 person is €60.50, and €84.70 for 2 or more people. 

Legal assistance insurance

If you take out legal assistance insurance, it applies to all insured parties on the policy. The annual premium (including insurance tax) for a single person is €72.60, and €143.99 for a family of 2 or more people.

Personal accident insurance

The premium for personal accident insurance depends on:

  • your choice of payment on death and/or permanent disability following an accident;
  • the insured amount.
Amount insured on death Premium per year Amount insured for disability Premium per year
€5,000 €5 €25,000 €25
€10,000 €10 €50,000 €50
€25,000 €25 €100,000 €100
€50,000 €50 €150,000 €150

Taking out insurance cover

You can take out OOM Temporary Residence Abroad Insurance online. Our health insurance is subject to medical acceptance. This means that you will first have to answer a few questions about your health and medical situation. We will assess your answers, to determine if we will take on this insurance. We may decide to insure you under modified terms and conditions.

Do you have questions?
Frequently asked questions 
Conditions and forms
Conditions and forms 
Illness, damage and claims
Illness, damage and claims