Frequently asked questions
Medical treatment or hospitalisation
I need hospitalisation or need to receive medical treatment. What should I do?
We would like to help you quickly. Please read what to do in the case of hospitalisation or other medical treatment.
What if I am in hospital on the expiry date?
If you are in hospital on the expiry date and are not allowed to return home, we will reimburse the costs of hospitalisation for up to a maximum of 30 days after the expiry date of your insurance. These costs will, of course, have to be covered by your insurance.
Am I insured for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’)?
No, you will not be reimbursed for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’) if you have an accident during a skiing holiday.
When do I have to pay the premium for the insurance?
You pay the premium:
- in advance for the entire insured period
- per quarter or half year
You do not have to pay a premium surcharge for payment in instalments.
Will I get the Dutch healthcare allowance (zorgtoeslag) if I take out the OOM Provisional Residence in the Netherlands health insurance?
The Dutch healthcare allowance is a contribution to the costs of Dutch national health insurance. OOM Verzekeringen does not offer Dutch national health insurance. You will therefore not receive any Dutch healthcare allowance.
Alteration, extension or termination
What if I get a residence permit?
If you receive a residence permit, you must take out Dutch national health insurance with a Dutch healthcare insurance company. Send us an maiif this is the case. We will terminate the insurance on the date your residence permit was granted. You will receive a refund of your premium from the commencement date of your Dutch national health insurance.
Please also include:
- a copy of your residence permit
- the bank account number where you would like to receive the refunded premium
Can I extend my insurance?
You can terminate your insurance earlier if:
- your visa application is rejected
- you receive a Dutch residence permit
We will then refund the premium you have already paid. Send us an email with a request to terminate your insurance. Please also include:
- a copy of your visa rejection letter, your Dutch residence permit or the rejection of a Dutch residence permit
- the bank account number where you would like to receive the refunded premium premium
Does this insurance meet the demands of the MVV/Authorisation for a Temporary Stay?
Yes, the OOM Provisional Residence in the Netherlands Insurance meets the demands of the MVV/Authorisation for a Temporary Stay. These demands are:
- Validity for the entire duration of the stay
- Cover for urgent medical care
- Cover for repatriation for medical reasons
- Minimum cover of €30,000
What is the difference with OOM Schengen Visitor Insurance?
OOM Provisional Residence in the Netherlands Insurance:
- Is for people coming to live in the Netherlands and are waiting for a residence permit
- For health insurance you will have to be medically accepted; based on questions about your health, we will assess whether you can take out insurance
- You can take out insurance for a maximum of 12 months
- You can take out insurance if you are younger than 70 years old on the commencement date
- The insurance can only be taken out by a Dutch national
OOM Schengen Visitor Insurance:
- Is for people staying in the Netherlands temporarily
- No medical acceptance applies to this insurance; you do not have to answer questions about your health beforehand
- You will not receive reimbursement for any costs incurred for ailments or complaints you already had when you took out the insurance
- You can take out insurance for a maximum of 6 months
- No age limit applies to the insured person in order to take out insurance
What is medical acceptance?
Medical acceptance applies to OOM Provisional Residence in the Netherlands Insurance. This means that you will first have to answer a few questions about your health and medical situation. We estimate the risk of you incurring medical expenses throughout the duration of the insurance based on this ‘health declaration’.
The health declaration and the assessment by our medical advisor may mean that:
- you can take out insurance
- you cannot take out insurance
- we will insure you under modified terms and conditions, such as not providing cover for diseases for which you have an increased risk