Second opinion

The OOM Schengen Visitor Insurance is a medical insurance if you are staying in the Netherlands temporarily. The insurance reimburses unexpected medical expenses.

What does the insurance reimburse?

You will receive reimbursement for costs for a second opinion if the specialist suggests drastic medical treatment.

If you incur costs for a second opinion for an existing ailment or complaint you already had on taking out insurance, we will not reimburse these costs. This also applies if you did not know you had the ailment or complaint at the time you took out the insurance.

Are there costs for you?

An excess applies to OOM Schengen Visitor Insurance. If you incur costs which are covered by the insurance, you pay the first part of these costs yourself. Per period insured your excess is:

  • €50 if you are younger than 70 years
  • €100 if you are aged between 70 and 79 years
  • €200 if you are aged 80 and above
An example

You are 25 years old and develop pain in your back and legs. The specialist suspects a slipped disc and suggests an operation. You are unsure and ask another specialist for a second opinion. The costs are €525. You have an excess of €50. So you get a refund of €475.

How to claim costs

You can claim your medical expenses quickly and easily via My OOM.

Please note that the terms and conditions of your insurance take precedence over the information provided here.

To discover which insurance is best for you, take a look at the terms and conditions for Provisional Residence in the Netherlands Insurance or Studying in the Netherlands Insurance.