Schengen Visitor insurance

The OOM Schengen Visitor insurance is ideal for everyone who is temporarily staying in the Netherlands and wants to cover unexpected medical expenses. It also meets the requirements of the Schengen visa. You can take out the insurance if you’re 18 years or older. If you already have healthcare insurance in your homeland that is also valid in the Netherlands, you might not need this insurance.

Note: Costs for medical care might be higher in the Netherlands. We advise you to check in advance whether you’re adequately covered.

This insurance applies in all countries that fall under the Schengen area at the time of an insured event and also in the following countries: Bulgaria, Cyprus, Ireland, Croatia, Romania and the United Kingdom. This insurance does not apply in territories overseas of these countries such as Aruba, Bonaire and Curaçao. The insurance does not apply in your country of origin.

You can terminate the OOM Schengen Visitor insurance earlier in the following situations: 

• Your visa application or residence permit has been denied. We’ll terminate the insurance from the start date and will refund all of the premium you have paid.
• You receive a Dutch national health insurance. We’ll terminate the insurance from the start date of the Dutch national health insurance and will refund the premium from that date.
• You’re leaving the Schengen area. We’ll ask you for a copy of your plane ticket. The flight date is the end date of the insurance, and you’ll be refunded the premium from that date.
• The insured person is deceased. We’ll terminate the insurance from the day after the death of the insured person and will refund all of the premium you paid in advance.

Health insurance premium
The premium for the OOM Schengen Visitor insurance depends on your age and provides cover from €1.75 per day for unexpected medical expenses.

• For age 0 to 69, the premium is €1.75 per day, with an own risk excess of €50 and a maximum duration of six months.
• For age 70 to 79, the premium is €6.50 per day, with an own risk excess of €100 and a maximum duration of six months.
• For age 80 and above, the premium is €8.75 per day, with an own risk excess of €200. The maximum duration of insurance for this age group is three months.

The minimum premium per period insured is €25. 
Medical acceptance is not necessary for the healthcare insurance. We only ask if you’re expecting to be hospitalised. 

Third-Party Liability insurance
The premium (including insurance tax) for Third-Party Liability insurance is €0.21 per day for one person and €0.42 per day for two or more people.

If you need medical care, something has been damaged or want to submit a claim, you’ll 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.