Changes in premiums and terms and conditions

Changes in premiums and terms and conditions

As of July 1, 2025, the premiums and terms and conditions of the OOM International Insurance will change.

As of July 1, 2025, the premiums and terms and conditions of the OOM International Insurance will change.

We are a not-for-profit insurer. This means your premium must be sufficient to cover healthcare expenses and claims, while maintaining the level of quality you expect from us. 

We understand that a new adjustment, shortly after the increase on 1 January, may raise questions. For many policyholders, this means another significant increase in costs. We are fully aware of this. 

Still, these changes are necessary. Even after the previous premium increase, the current premium is not sufficient to cover all claim costs. That’s why we are increasing the premium again as of 1 July. 
 
In addition, we are introducing several other measures, such as changes to coverage and policy terms. These are necessary to keep the insurance sustainable in the long term. This is the only way we can continue to deliver the quality and service you expect from us – without compromise. 

You can read on this page what will change for you. 

Contact

Would you rather speak to one of our employees? Please feel free to contact us on +31 (0)70 353 21 00 or email info@oomverzekeringen.nl. Our team is ready to assist you.

Changes to coverage and policy terms

New regional classification

For some countries, we are adjusting the regional classification. This affects the premium. 

New in a different region: 

  • Singapore 
  • United Arab Emirates 
  • Thailand 
  • Mexico 

Do you live in one of these countries? Then your regional classification will change – and so will your premium. That’s why it’s important that your address details are up to date. Have your details changed? Please notify us as soon as possible by email or update them in Mijn OOM. 

The new regional classification is as follows: 

 Region   You are not insured in
 A    Worldwide  
 B+  Worldwide except Region A United States  
 B    Worldwide except Region A, B+ United States, Singapore 
 C+  Worldwide except Region A, B+, B  United States, Singapore, China, Hong Kong, Malaysia, Indonesia 
 C   Worldwide except Region A, B+, B and C+ United States, Singapore, China, Hong Kong, Malaysia, Indonesia, Thailand, United Arab Emirates, Mexico 

 

Maximum reimbursement for medical costs (total cap)

We are introducing a total cap: this is the maximum amount reimbursed per insured person per year for medical expenses. 

  • Plus: €2,500,000 per year 
  • Top:  €3,500,000 per year 
Pre-authorisation required in certain countries

Starting 1 July, you will need prior approval (pre-authorisation) for care in the following countries: 

  • Singapore 
  • United Arab Emirates 
  • Thailand 
  • Mexico 
  • Malaysia 
  • China  
  • Hong kong  
  • Indonesia 

Pre-authorisation is already required in the United States. 

As of 1 July 2025, you must request approval from the OOM Emergency Centre in advance for planned medical care. This includes hospital visits, specialists, outpatient clinics, and care related to pregnancy or childbirth. The emergency centre will grant permission and designate a hospital or provider. In these countries, broad provider choice no longer applies. The centre will also issue a payment guarantee, so bills go directly to us and you don’t have to pay in advance. 

Important: If you undergo treatment without approval, we cannot reimburse the costs. 

This requirement does not apply in emergencies – meaning care needed within hours to prevent serious health damage or death, such as after an accident or sudden life-threatening condition. In such cases, you may of course seek immediate care without asking for approval first. 

In all other countries, you may choose your own provider, but we ask that you follow the instructions from the OOM Emergency Centre.  

Discount for Dutch basic health insurance ends

Do you have a Dutch basic health insurance policy? Until now, you received an extra discount on your premium. As of 1 July 2025, this discount will end. The reason: the discount no longer matched the average amounts we paid out in claims abroad. In some cases, this meant that customers paid less than what was reimbursed. To keep premiums fair for everyone and maintain affordability, we’ve decided to end this discount.

New amendment clause in case of high claims across the portfolio

We are adding a clause that allows us to change the policy terms if claim levels across the total portfolio become too high. This will never apply on an individual basis. It only applies in exceptional cases where the product’s continuation would be at risk. 

Download Terms and Conditions 2025-2

Download the updated policy terms for the OOM International Insurance below and save them to your device: