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.
These are the most important features of the OOM Temporary Residence Abroad 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:
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.
For health insurance you can make a choice from three types of cover:
Reimbursement of necessary medical costs including:
Reimbursement of all costs under the Light cover plus:
Reimbursement of all costs in the Regular cover plus:
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.
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:
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 thecoverage summary (pdf) or thepolicy terms and conditions (pdf).
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).
The travel insurance applies to all insured parties on the policy and includes cover for:
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).
The cancellation insurance applies to all insured parties on the policy. The insurance includes cover for cancellation and transfer costs, for example in the case of:
The insurance covers per trip costs up to €2,000 or €5,000 per person. It does not matter if you are travelling for business or pleasure.
If you choose the option ‘extra reasons for cancellation’, you will also be covered in the following circumstances: attacks, contagious diseases, government advice against travel, natural disasters, strikes, social unrest and violence.
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).
The household contents insurance 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).
The third party insurance 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).
The legal assistance insurance 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).
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 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).
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 OOM. We 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.
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.
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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.