Frequently asked questions

We would like to help you quickly. Please read what to do in the case of hospitalisation or other medical treatment.

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.

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.

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.

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.

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

You can terminate the OOM Provisional Residence in the Netherlands Insurance at any time. You can do this by sending us an email. We will terminate your insurance on the date we receive your request.

If you have Dutch national health insurance and no longer need our insurance, we will terminate your insurance from the starting date of your Dutch national health insurance. Please send us a copy of your Dutch national health insurance policy. Also send us your bank account number to which we can refund the premium.

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

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

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