Provisional Residence in the Netherlands insurance

If you’re coming to the Netherlands temporarily to live, work or visit family, OOM Provisional Residence in the Netherlands insurance offers extensive cover for medical expenses if you don’t have Dutch national health insurance (yet).

• Foreigners in the Netherlands
  Are you coming to the Netherlands to live and/or work, or are you not yet eligible for Dutch national health insurance? Our insurance provides you with the certainty of extensive cover for medical expenses in the Netherlands.
• Visitors with foreign health insurance
  If you already have healthcare insurance in your homeland that’s also valid in the Netherlands, you might not need this insurance. Note: Costs for medical care might be higher in the Netherlands than in your home country. Our insurance helps you avoid unexpected costs.
• Dutch residents temporarily returning to the Netherlands
  If you’re a resident of the Netherlands currently living abroad and are returning to the Netherlands temporarily, for example, for a family visit, the OOM Provisional Residence in the Netherlands insurance is a practical solution.

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

• OOM Provisional Residence in the Netherlands insurance applies in all countries that fall under the Schengen area at the time of an insured event, and also in the following countries: Bulgaria, Cyprus, Ireland, Croatia, Romania and the United Kingdom.
• The insurance does not apply in overseas territories of these countries such as Aruba, Bonaire or Curaçao.
• Cover outside the Netherlands is limited to a maximum of 30 days during the total insured period.

Travelling by plane?

• Your insurance will take effect from the moment you leave the territory of your home country on the most direct flight possible to the region of the cover area, without unnecessary stopovers. In other cases, cover starts as soon as you arrive in the region of cover.
• The insurance ends once you return to your home country on a direct flight. If you have stopovers or you travel back with a different mode of transport, the cover will be terminated the moment you leave the region of cover.

Situations might change and you no longer need the OOM Provisional Residence in the Netherlands insurance. You can terminate the insurance earlier and receive a refund of any prepaid premium in the following events: 

• Your visa or residence permit has been denied 
  We’ll terminate the insurance from the start date and will refund all of the premium you’ve paid. 
• You receive Dutch national health insurance 
  The insurance will stop on the start date of your Dutch national health insurance and we’ll refund the premium you’ve paid for cover after that date.
• You leave the Schengen area 
  Send us a copy of your flight ticket. The flight date is the expiry date of your insurance and we’ll refund the premium you’ve paid for cover after that date.
• Death of the insured person 
  The insurance expires from the day after death and any premium that was paid in advance will be reimbursed to the next of kin.

Medical acceptance is necessary for the healthcare insurance. For this, we may ask you or your healthcare provider additional questions. We assess your application based on this information, which may take extra time. This is why we recommend you apply for your insurance in plenty of time, to make sure you’re ready for your new adventure well in advance.

You can take out OOM Provisional Residence in the Netherlands insurance for a maximum of 12 months. You determine the duration that suits your stay. If you want to stay insured for longer, you can take out the insurance again.

If you need medical care, something has been damaged or you want to submit a claim, you’ll find a find step-by-step guide on our report a claim page. We'll let you know what will be reimbursed as soon as possible, so you know exactly where you're up to.

OOM abides by applicable sanctions legislation. This means that insurers may not provide cover or reimburse claims if to do so would violate the Sanctions Act or sanctions regulations. If you want to know if this applies to your situation, feel free to contact us. We’ll be happy to help you in any way we can.