Insurance for students abroad
Are you ready for your study or internship abroad? Complete your preparations with OOM Studying Abroad insurance. This will ensure your healthcare costs and any damage to your personal possessions are insured worldwide. So you’re ready for your international adventure.
24/7 Dutch Assistance Centre
If you have an emergency or a question about your health, our Assistance Centre is available 24/7. Our friendly and helpful staff are here to support you. Wherever you’re in the world.
Put together your own insurance
Put together your own insurance cover to suit your plans. Wherever you’re staying, studying or travelling. And you’ll also be insured if you visit the Netherlands while you’re away.
Worldwide network of clinics
If you’re staying abroad for a longer period of time, OOM Studying Abroad insurance gives you as a student access to quality care via our worldwide network of clinics.
SOS insurance is included
If you need urgent medical care and can’t be treated locally, we’ll arrange repatriation or evacuation to a neighbouring country. So you’re always assured of the care you need.
Choose the insurance options that best suit your needs
With OOM Studying Abroad insurance, you can choose a healthcare insurance with optional dental cover. You can also add the package insurance or take this out separately for extra cover.
Put together your own insurance
- Choose either standard cover or extended cover
- You decide your own risk excess: €0 or €150
Covered:
- General Practitioner
- Medication and dressings
- Specialist treatment
- Physiotherapy, exercise therapy, speech therapy and psychotherapy (limited number of treatments)
- Dental costs following an accident up to €500
- Standard dental costs up to €450 (up to age 17)
Not covered:
- Pregnancy if you were already pregnant when you took out the insurance, including in case of miscarriage or other complications
- Preventative medicine
Covered:
- General Practitioner
- Medication and dressings
- Specialist treatment
- Physiotherapy, exercise therapy, speech therapy and psychotherapy (limited number of treatments)
- Dental costs following an accident up to €500
- Standard dental costs up to €450 (up to age 17)
- Second opinion
- More physiotherapy, exercise therapy, speech therapy and psychotherapy treatments
- Orthodontics up to age 21 years (up to €1,200)
- Alternative health care up to €500
Not covered:
- Pregnancy if you were already pregnant when you took out the insurance, including in case of miscarriage or other complications
- Preventative medicine
Sometimes, there’s a maximum amount or a maximum number of treatments covered.
Select the region that corresponds to your adventure
Medical costs vary significantly per country. This is why we offer a choice of two regions:
- World: This cover means you’re insured for healthcare costs throughout the world, including the United States
- World, excluding US: If you select this region, you’ll be insured for healthcare costs throughout the world, except for in the United States
If you want to add dental care to your insurance, the dental cover insures you for standard dental costs of up to €350 per year.
- This extra cover has no own risk excess
- The premium is €15.75 per month
OOM Studying Abroad insurance always includes SOS insurance. This covers the costs of repatriation (return to your country of origin) or evacuation if treatment is not possible locally and cannot be postponed.
If you’re looking for more peace of mind during your stay abroad, the OOM Insurance Package means you’re insured for various types of damage in one package.
Covered:
- Household contents up to €5,000 (for your given address)
- Liability up to €1,250,000 - items that you’re renting or leasing are not covered
- Travel: With an own risk excess of €125 in the event of theft, loss or damage to luggage
- Legal assistance for claims over €450
- Accidents: Payment on death €10,000, or in the case of permanent disability up to €75,000
Not covered:
- Household contents cover is only for your given address outside the Netherlands
- Items that you’re renting or leasing, for example, are not covered under your liability insurance
- You’ll not receive legal assistance for events you were already aware of before you took out insurance
You’ll find details of what is and what is not insured in the overview and policy and terms.
In the case of damage to items, we often reimburse the replacement price. However, in some cases, we only reimburse the current value. Please note the following information: How depreciation works (only in Dutch).
How much does the OOM Insurance Package cost?
- €15.40 per month if you combine this package with the healthcare insurance
- €17.85 per month if you only take out the insurance package
The premium you see is always the actual amount you need to pay, including insurance tax.
About the insurance for Studying Abroad
Are you ready to start studying abroad? Take out your insurance today and look forward to your great adventure without a care.
The Studying Abroad insurance is for anyone aged 15 to 29 years who’s going abroad for their studies or internship and:
- You live in the Netherlands.
- You’re not allowed to keep your Dutch national health insurance, but you still want to be properly insured for healthcare costs.
- You want to supplement your Dutch national health insurance, for example because you’re going to a country where costs for medical care are higher than in the Netherlands, or because you also want cover for planned care.
- You want to be insured - as you would be in the Netherlands - if things don’t go according to plan while you’re abroad.
You can take out Studying Abroad insurance easily online. You decide which cover best suits your situation. 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.
The Studying Abroad insurance can be taken out for a maximum of 5 years. You choose the duration that suits your studies, internship or language trip. Providing you’re no older than 29 years on the start date.
- If you end up staying longer than originally planned, you can apply for a one-time 60-day extension, as long as the total duration doesn’t exceed 5 years. If you’re not sure how long you’ll be staying abroad, it's better to take out insurance for a longer period from the start.
- You can cancel the insurance daily via your My OOM account or by sending an email. If you have already paid the premium in advance, we’ll refund the overpaid premium.
The premium depends on the cover you’ve chosen (standard or extended) and which own risk excess you opted for. The premium you see is always the actual amount you need to pay, including insurance tax.
If you need medical care, something has been damaged or want to submit a claim, you can 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.
