OOM Temporary Residence Abroad Insurance

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 nine 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 €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. 

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:

• 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.

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.

The travel insurance 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.

If you have a claim then, in many cases, we will reimburse the replacement value. However, this is not always the case. In a number of cases, you will receive the current value of the item. Here you can read how this works (in Dutch).

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 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.

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.

If you have a claim then, in many cases, we will reimburse the replacement value. However, this is not always the case. In a number of cases, you will receive the current value of the item. Here you can read how this works (in Dutch).

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.

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:

• assistance for redress
• criminal law assistance
• assistance with contracts
  
• social insurance
• pension
• flight claim service

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 can take out OOM Temporary Residence Abroad health insurance.

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

• your age;
• your choice of cover (Light, Regular or Comfort);
• if you want cover in the US for healthcare costs;
• your choice of excess;
• if you retain the mandatory Dutch national health insurance, in which case you will receive a discount on your premium.

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.

Children are insured free of charge until their 4rd birthday.

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.

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

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 digital and electronic equipment.

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

Premiums include insurance tax.

The cancellation insurance including additional cancellation reasons.

Premiums include insurance tax.

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

Premiums include insurance tax.

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

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.

The premium for personal accident insurance depends on:

• your choice of payment on death and/or permanent disability following an accident;
• the insured amount.