OOM Temporary Residence Abroad Insurance

For healthcare insurance you can choose from 3 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 of up to €225

Regular

Reimbursement of all costs in the Light cover plus:

• Second opinion
• Physiotherapy, manual therapy, remedial therapy and chiropractic treatment (maximum number of treatments)
• Speech therapy (maximum number of treatments)
• Psychotherapy (maximum number of treatments)
• Reimbursement of costs for personal medical transport
• Dental costs following an accident of 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/medical aids
• Contraception
• Pregnancy, childbirth and maternity care (after 9 months)
• Fertility treatment (after 12 months)
• Dental costs following an accident of up to €475
  
  

The healthcare insurance includes SOS insurance. The insurance also covers medical expenses due to war and kindred risks.

For healthcare insurance you can choose between an own risk excess of €250 / €500 / €1,000. The higher your own risk excess, the lower your premium. Sometimes, there is a maximum amount or a maximum number of treatments covered.

You can take out OOM Dental Cover to supplement your healthcare insurance. You decide on an insured amount of €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 cleaning
• Root canal treatment, crowns and bridges
• Fillings and anaesthetics

You will not receive reimbursement for cosmetic treatments, such as teeth whitening. There is also no own risk excess for OOM Dental Cover insurance.

SOS Insurance includes cover of 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 due to war and kindred risks.

If you have taken out OOM Temporary Residence Abroad Healthcare Insurance, SOS insurance is included, so you don’t have to take this out separately.

There is no own risk excess for this insurance.

The travel insurance applies to all insured persons on the policy and includes cover for:

• Theft, loss or damage to luggage, with a reimbursement of from €1,500 up to a maximum of €4.500, depending on your chosen level of cover
• Repatriation (return to the Netherlands) due to:
  - A life-threatening situation, or death of a 1st or 2nd degree family member who is not travelling with you, e.g. parent, grandparent, child, grandchild, brother or sister
  - Serious damage to your house, household contents or business in the Netherlands
• Standard cover for digital/electronic devices up to €500; you can take out extra cover for an insured amount of €500 / €1,000 / €2,000 / € 5,000

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

If you have a claim, in most cases, we will reimburse the replacement price. However, this is not always the case. You are sometimes only reimbursed the current market value. Please read the following carefully in advance: How depreciation works.

The cancellation insurance applies to all insured persons on the policy. The insurance includes cover for cancellation and transfer costs, such as:

• The death of a 1st or 2nd degree family member (e.g. parent, grandparent, child, grandchild, brother or sister, which results in you having to return home as soon as possible
• If the accommodation you booked is damaged and is no longer suitable to stay in
• Your house or business premises is damaged, forcing you to abort your trip

The insurance reimburses up to €2,000 or €5,000 per person (depending on your chosen level of cover). It does not matter if you are travelling for business or for pleasure.

If you choose to include the additional reasons for cancellation, you will also be insured for: terrorism, contagious diseases, negative travel advice, natural disasters, unexpected strike, riots and disturbances.

There is no own risk excess for this insurance.

The household contents insurance covers damage to your household contents at an 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. This means that, in the event of a claim, we do not look at the actual value of the insured items. The full claim up to a maximum of the insured amount will be reimbursed.

There is an own risk excess of €250 per event. A maximum reimbursement applies to jewellery and audio-visual appliances.

If you want to insure the household contents you’re leaving behind and/or your home in the Netherlands, take a look at OOM Vacant Home Insurance (Dutch).

If you have a claim, in most cases, we will reimburse the replacement price. However, this is not always the case. You are sometimes only reimbursed the current market value. Please read the following carefully in advance: How depreciation works.

The third-party insurance reimburses costs as a result of injury caused by you as a private person to others, or to items abroad up to €1,250,000. You are not insured for damage to items that you are renting or leasing.

The legal assistance insurance covers the costs of legal support abroad and applies to all insured persons on the policy. The insurance applies to claims from €175 and above and covers assistance related to the following:

• Recovering costs
• Criminal law
• Contract law
• Social insurance provision
• Pension

The personal accident insurance 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 could take out OOM Temporary Residence Abroad health insurance.

Calculate your premium online The premium depends on:

• Your age
• Your choice of cover (Light, Regular or Comfort)
• Whether you would like cover for healthcare costs in the US
• Your choice of your own risk excess
• Whether you still require mandatory Dutch national health insurance, in which case you will receive a discount on your premium

You can find out what your premium is by taking a look at the premium summary (pdf).

You can take out OOM Dental Cover to supplement your OOM Temporary Residence Abroad Healthcare Insurance. The premium depends on:

• Your age
• The insured amount
  
  

Children are insured free of charge until their fourth birthday.

The SOS insurance premium is €48.48 per person per year. SOS insurance is included in OOM Temporary Residence Abroad Healthcare Insurance, so you pay no extra premium.

You take out travel insurance for all insured persons on the policy.

Premium

The annual premium includes insurance tax. Children are insured free of charge until their fifth birthday (with the exception of any insurance tax).

You can also choose supplementary insurance for your digital/electronic devices:

Premium

Taking out cancellation insurance applies to all insured persons on the policy.

Premium from 1 May 2023

Cancellation insurance including additional reasons for cancellation:

Premium

The annual premium includes insurance tax.

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

Premium

The annual premium includes insurance tax.

Premium

The annual premium is €62.32 for 1 person and €87.24 for 2 or more persons (including insurance tax).

Premium

You take out legal assistance insurance for all insured persons on the policy. The yearly premium (including insurance tax) for a single person is €74.34, and €147.45 for a family of 2 or more people.

The premium for personal accident insurance depends on:

• Your choice of payment in the case of death and/or permanent disability following an accident
• The insured amount