You’re going abroad! For something exciting, like going on a major trip. Or maybe you're going for work. Whatever the reason, your home will temporarily be somewhere else, and you want to feel safe there. OOM Temporary Residence Abroad Insurance will help put your mind at rest.
These are the most important features of OOM Temporary Residence Abroad Insurance:
If you’re a Dutch national and you’re going to stay abroad temporarily, your personal situation will determine whether or not you will have to keep your Dutch national health insurance. If you can’t keep your Dutch national health insurance, you can still have extensive insurance for healthcare costs with OOM Temporary Residence Abroad Insurance.
If you have to keep your Dutch national health insurance, OOM Temporary Residence Abroad Healthcare Insurance could be useful addition. For example, if you’re going to a country where…
You may experience setbacks abroad, just as you might in the Netherlands. If your belongings are stolen, or a family member becomes seriously ill, you'll be glad to know that this is also insured. You can simply buy new items, or travel back to the Netherlands, without incurring huge costs.
Health insurance
For healthcare insurance you can choose from 3 types of cover:
Reimbursement of necessary medical costs including:
Reimbursement of all costs in the Light cover plus:
Reimbursement of all costs in the Regular cover, plus:
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.
If you’re going to stay in the United States, you need to take out insurance for your stay there. If you’re going to another country, you can extend your cover to include the US by paying an extra premium. You can also do this for a shorter period if you visit the country temporarily during your stay abroad. You can change this via My OOM.
Dentist
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:
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
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.
Travel insurance
The travel insurance applies to all insured persons on the policy and includes cover for:
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.
Cancellation insurance
The cancellation insurance applies to all insured persons on the policy. The insurance includes cover for cancellation and transfer costs, such as:
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.
Household contents 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.
Third-party liability insurance
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.
Legal assistance insurance
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:
Personal accident insurance
The personal accident insurance will make a single payment in the event of permanent disability or death following an accident. The payment will be:
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.
OOM Temporary Residence Abroad Insurance has a flexible duration from 1 day to a maximum of 2 years.
If your stay abroad is longer than you expected, you can extend the insurance once by a maximum of 2 months, providing you are not insured for more than 2 years. If you do not know exactly how long you will be away, then it will be better to take out the insurance for a longer period. Because you can cancel the insurance daily. This avoids the risk of forgetting to renew your insurance and not being insured when you need to be.
If you already know that you will be staying abroad for more than 2 years, OOM Living Abroad Insurance would suit you better.
When you return to the Netherlands permanently, your healthcare costs will again be covered by mandatory Dutch national health insurance. Please let us know the date on which you plan to return, so that we can terminate your insurance.
If you no longer need the Temporary Residence Abroad Insurance, you can simply cancel it via your personal My OOM account. We will terminate your insurance when we receive your request, or at a later date stated by you.
We will refund any premiums you have paid in advance.
Personal accident insurance
The premium for personal accident insurance depends on:
| 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 |
If you would like to know exactly what will be reimbursed, please take a look at our cover overview, or the policy terms and conditions (pdf).
If you are about to go abroad, or want to be prepared well in advance for your adventure, you can calculate your premium easily online. Once everything is correct, you can take out your insurance straight away.
Medical acceptance is necessary for the healthcare insurance. We will ask you to answer a few questions about your health and medical situation beforehand. Based on your answers, we will assess your application. We may decide to only insure you under modified terms and conditions.
If you need more information about the Temporary Residence Abroad Insurance, please feel free to contact us. Our team will be pleased to help you.
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Social insurance
Legal assistance in a conflict with a Dutch government institution about a social insurance benefit or social security provision.