Health insurance without a BSN social security number

Help me choose the right insurance 

Are you coming to the Netherlands temporarily and want healthcare insurance cover, but don’t have a Dutch BSN social security number?  You can take out your health insurance without BSN. This will provide you with the insurance cover you need for healthcare costs and allow you to enjoy your stay without worry.  

Why take out health insurance without a BSN?

Are you coming to live or work in the Netherlands temporarily? Are you visiting the Netherlands during a longer trip? Or are you coming to study in the Netherlands for a few months? Whatever the reason for your stay in the Netherlands, while you’re here you want to be insured just as well as you are in your home country, even if you do not have a Dutch BSN social security number. This is the case if, for example, you are staying in the Netherlands for less than 4 months, or if you are waiting for a residence permit. You can get properly insured with OOM health insurance without a BSN.

What if you have to see a doctor? Or if you have a serious fall during a bike ride? It’s a real pain but, if you have OOM health insurance without a BSN, you at least won’t have to worry about any costs. We’re here to help you.

OOM Health insurance without a BSN social security number

Even if you are coming to the Netherlands for a short time, you don’t want any unnecessary worries. OOM health insurance without a BSN social security number is what you need:

  • Takeout insurance cover without being registered with the municipality
  • Put together your ideal insurance
  • Choose extra cover such as dental cover and liability
  • Take advantage of the flexible duration
  • Avoid financial surprises due to unexpected medical expenses


Which health insurance without a BSN social security number suits you?

We offer 3 different types of health insurance that do not require you to have a Dutch BSN social security number: Schengen Visitor, Provisional Residence in the Netherlands and Studying in the Netherlands. You will find the main features and benefits for type of each insurance below.

1) Schengen Visitor insurance

OOM Schengen Visitor insurance provides cover for unexpected medical expenses, and meets the Schengen visa requirements. You will receive reimbursement for unexpected medical expenses of up to €500,000.

You can take out OOM Schengen Visitor insurance for a maximum of 6 months. If you are aged 80 or above, then your insurance will be valid for a maximum of 3 months.

This health insurance without a BSN provides reimbursement, for example, for:

  • General Practitioner costs
  • Medication
  • Specialist care
  • Hospitalisation
  • Dental costs following an accident up to €350


You can also insure for liability. We will then reimburse damage caused by you to persons or property in the Netherlands up to €1,250,000.

Schengen Visitor insurance in a nutshell:

  • For all ages
  • Insurance for a maximum of 3-6 months
  • Cover for medical expenses up to €500,000
  • Possibility to take out liability insurance
  • Meets the Schengen visa requirements


See Schengen Visitor insurance for more information.

2) Provisional Residence in the Netherlands insurance

OOM Provisional Residence in the Netherlands insurance provides extensive cover for medical expenses, and meets the temporary residence permit visa requirements.

You can take out OOM Provisional Residence in the Netherlands insurance if you are younger than 70 years of age on the start date. You can take out OOM Provisional Residence in the Netherlands insurance for a maximum of 12 months.

This health insurance without a BSN social security number provides reimbursement, for example, for:

  • General Practitioner costs
  • Medication
  • Specialist care
  • Hospitalisation
  • Dental costs following an accident up to €350

You can also insure for liability. We will reimburse damages caused by you to persons or property in the Netherlands up to €1,250,000.

Provisional Residence in the Netherlands insurance in a nutshell:

  • For people younger than 70 years of age
  • Insurance for a maximum of 12 months
  • Extensive cover for medical expenses
  • Possibility to take out liability insurance
  • Meets the requirements of the temporary residence permit visa (MVV)


See Provisional stay Netherlands insurance for more information.

3) Studying in the Netherlands insurance

OOM Studying in the Netherlands insurance provides extensive cover for medical expenses and damage. You can take out healthcare insurance, dental cover and a package insurance.

This insurance is for young people between 15 and 29 years of age. You can take out insurance for a period ranging from 1 day to a maximum of 5 years. When you are going back home, you can cancel the insurance at any time.

This health insurance without a BSN social security number provides reimbursement, for example, for:

  • Dental costs following an accident up to €500
  • Standard dental costs up to €450 for young people up to age 17 years
  • Liability up to €1,250,000
    Note: Items you are renting or leasing, for example, are not covered
  • Travel (with an own risk excess of €125 in the event of theft, loss or damage to luggage)
  • Household contents up to €5,000


SOS insurance is always included in the Studying in the Netherlands insurance. This covers, for example, the costs of repatriation (return to your country of origin) or evacuation.

Studying in the Netherlands insurance in a nutshell:

  • For people between 15 and 29 years of age
  • If you’re coming to the Netherlands for study, an internship or to work as an au pair abroad
  • Insurance for a minimum of 1 day
  • Insurance for a maximum of 5 years
  • You can choose to include healthcare insurance, dental cover and/or package insurance

See Studying in the Netherlands insurance for more information.

Take out your health insurance without a BSN social security number now

Take out your insurance today and look forward to your visit to the Netherlands without worries. Choose the health insurance that suits you best and calculate your premium easily online. Once everything is correct, you can take out your insurance straight away.  

Good to know

Provisional Residence in the Netherlands insurance and Studying in the Netherlands insurance require medical acceptance. 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 would like more information on your health insurance without a BSN social security number, please contact us. We will be happy to help in any way we can!