OOM Temporary Residence Abroad Insurance

Calculate your premium 

OOM Temporary Residence Abroad Insurance

For when you’re staying abroad temporarily

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.

A summary of the insurance

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

  • Insurance for a stay abroad for up to 2 years
  • Worldwide cover, including if you visit the Netherlands while you’re away
  • Insurance with 3 different types of healthcare cover
  • Optional cover, for example for travel, household contents and legal assistance
  • Discount if you need to keep your Dutch national health insurance

Who is the insurance suitable for?

Health 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…

  • Medical care is expensive: With Dutch national health insurance, you will never receive a higher reimbursement than what you would have had from the Dutch national health insurance.
  • The situation could be dangerous: We also reimburse medical expenses as a result of war and kindred risks.
  • They ask for an amended insurance statement: We will send you an amended statement for a number of countries.

Non-life insurance

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.

What does the insurance reimburse?

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.

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.

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 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.

How long is the insurance valid?

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.

What happens if you do not need the insurance anymore?

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.

What is the premium?

Calculate your premium online The premium depends on:


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

Amount insured 4 to 17 years 18 to 39 years 40 years and above
€350 €96 per year €156 per year €201 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 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 until 1 May 2023

Age Basic Advanced Excellent
5 to 29 years  €101.99 €116.99 €171.99
from 30 years old €111.99 €126.99 €181.99

Premium from 1 May 2023

Leeftijd  Basic Advanced Excellent
5 to 29 years  € 110.99  € 127.34 € 187.29
from 30 years old € 121.89 € 138.24 € 198.19

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 until 1 May 2023

Amount insured

Premium per year per person

€ 500 € 28
€ 1,000 € 45
€ 2,000 € 65
€ 5,000 € 120

Premium from 1 May 2023

Amount insured

Premium per year per person

€ 500 € 30.52
€ 1,000 € 49.05
€ 2,000 € 70.85
€ 5,000 € 130.80

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

Premium until 1 May 2023

Number of insured Coverage € 2000,- Coverage € 5000,- 
1 person on the policy € 93,17 € 147,37
2 persons on the policy € 151,20 € 260,79
3 persons on the policy € 174,24 € 339,71

Premium from 1 May 2023

Number of insured Coverage € 2000,- Coverage € 5000,- 
1 person on the policy € 101.56 € 160.64
2 persons on the policy € 164.80  € 284.29
3 persons on the policy € 189.92 € 370.26

 

Cancellation insurance including additional reasons for cancellation:

Premium until 1 May 2023

Number of insured Coverage € 2000,- Coverage € 5000,- 
1 person on the policy € 102,49 € 162,11
2 persons on the policy € 166,38 € 286,87
3 persons on the policy € 191,66 € 373,68

Premium from 1 May 2023

Number of insured Coverage € 2000,- Coverage € 5000,- 
1 person on the policy € 111.71 € 176.66
2 persons on the policy € 181.34 € 312.69
3 persons on the policy € 208.92 € 407.31

The annual premium includes insurance tax.

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

Premium until 1 May 2023

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

Premium from 1 May 2023

Amount insured Premium per year
€25,000 €187.55
€50,000 €375.10
€75,000 €562.65

The annual premium includes insurance tax.

Premium until 1 May 2023
The annual premium is €60.50 for 1 person and €84.70 for 2 or more persons (including insurance tax).

Premium from 1 May 2023
From 1 May, the premium including insurance tax is €62.32 per year for 1 person. For 2 or more people, the premium will change to €87.24 per year.

 

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

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

Take out Temporary Residence Abroad Insurance

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.

Good to know

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.

Do you have questions?
Frequently asked questions 
What am I covered for?
What am I covered for? 
Illness, damage and claims
Declare costs