OOM Schengen Visitor Insurance

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For a temporary stay in the Netherlands

If you come to the Netherlands for a family visit, or are just passing through, it is advisable to take out insurance for unexpected medical expenses. OOM Schengen Visitor Insurance is such an insurance. 

Summary

Here are the most important features of the OOM Schengen Visitor Insurance.

  • Limited health insurance without medical acceptance if you are staying in the Netherlands temporarily.
  • Health insurance premium from €1.90 per day.
  • Cover up to €500,000.
  • You can take out insurance immediately. 
  • Your insurance meets the demands of the Schengen visa.
  • You can add liability in the Netherlands to your insurance.

Who is the insurance for?

If you are staying temporarily in the Netherlands for a family visit or a holiday, you will want to be insured for unexpected medical expenses. If you apply for a Schengen visa, health insurance is compulsory.

The OOM Schengen Visitor Insurance offers cover for unexpected medical expenses, and meets the demands of the Schengen visa.

If you already have health insurance in your home country that is also valid in the Netherlands, you may not need the OOM Schengen Visitor Insurance. Bear in mind, however, that medical care in the Netherlands may be more expensive than in your home country. You may be confronted with high costs if you are uninsured or under insured. Ask your own healthcare insurer for further details.

What does the insurance cover?

OOM Schengen Visitor Insurance covers unexpected healthcare costs. For example, the cost of treating acute appendicitis or a broken leg. If you incur medical expenses for an ailment or complaint that you had before taking out OOM Schengen Visitor Insurance, we will not reimburse these expenses.

The insurance will reimburse for example: 

  • a general practitioner
  • medication
  • specialist care
  • hospitalisation
  • dental costs following an accident, up to €350

If your medical expenses are covered by the OOM Schengen Visitor Insurance, you will be reimbursed up to €500,000.

Per insured period you will have the following excess:

  • €75 if you are younger than 70 years 
  • €150 if you are aged between 70 and 79 years
  • €300 if you are aged 80 and above

Sometimes there is a maximum amount or a maximum number of treatments covered.

You can add liability to your insurance. We will then reimburse damages caused by you to others or property in the Netherlands up to €1,250,000. You have an excess of €45 per event for items you may have rented or leased.

To find out exactly what is reimbursed, see the coverage summary (pdf).

What doesn’t the insurance cover?

OOM Schengen Visitor Insurance is not subject to medical acceptance. Before you take out insurance, we will only ask if you are expecting to be admitted to hospital. 

If you incur medical expenses for an ailment or complaint that you had before taking out OOM Schengen Visitor Insurance, we will not reimburse these expenses. This also applies if you did not know you had the ailment or complaint at the time you took out the insurance.

If you have any questions, please ask your insurance agent or contact OOM Verzekeringen, by phoning + 31 (0)70 353 21 00. You can reach us on workdays from 8.30 to 17.00. You can also email us. We will be pleased to help in any way we can.    

You will not receive reimbursement for some treatments. Important exclusions are:

  • Pregnancy and birth (including maternity care), including in the case of a miscarriage or other complications
  • Diabetes mellitus, gallstones and kidney stones
  • Dental costs which are not the result of an accident

For all exclusions, see the OOM Schengen Visitor Insurance policy terms and conditions (pdf).

If you are looking for more comprehensive cover, the OOM Provisional Residence in the Netherlands Insurance may be more suitable for you.

How long is the insurance valid?

You can take out OOM Schengen Visitor Insurance for a maximum of 6 months. If you are aged 80 or above, the insurance is only valid for a maximum of 3 months. 

If your insurance has expired, you cannot extend it: you must take out new cover. Again, we will not reimburse any costs incurred for ailments or complaints you already had when you took out the insurance. You may therefore find that there is no cover for complaints or ailments in your new insurance which were covered by your old insurance.

If you don’t know how long you will need insurance, it is better to choose a longer period rather than one that may be too short.

What is the premium?

Depending on your age, the OOM Schengen Visitor health insurance insures you for unexpected medical expenses in the area covered from only €1.90 per day. If you incur medical expenses for an ailment or complaint that you had before taking out OOM Schengen Visitor Insurance, we will not reimburse these expenses.

AgePremium per dayExcessMaximum duration
0 to 69 years €1.90 €75 6 months
70 to 79 years €8.00 €150 6 months
80 years and above €16.00 €300 3 months

The minimum premium per insured period is €25.

The premium (including insurance tax) for third party insurance is €0.18 per day for 1 person and €0.36 per day for 2 or more people.

You can calculate your premium simply online.

Taking out insurance cover

You can take out OOM Schengen Visitor Insurance online. Provided that you are not expecting to be admitted to hospital, you will be able to take out insurance. Bear in mind that we will not reimburse medical expenses for an existing ailment or complaint that you may have when you take out the insurance. This also applies if you did not know you had the ailment or complaint at the time you took out the insurance.

If you pay by iDEAL, creditcard (Mastercard or VISA) or Paypal, you will receive your policy by email within an hour. If you use a different method of payment, you will receive your policy within a maximum of 10 working days after the premium has been credited to our account.

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