Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Insurance for emigrating via OOM
Emigrating is not a single policy but a series of cancellations and new covers, and the order in which you arrange them determines whether a gap opens up.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
On emigration it is not your risk that changes but your system. As soon as you deregister from the Personal Records Database and no longer pay payroll tax in the Netherlands, the obligation to insure under the Health Insurance Act ends. Your basic health insurance must then be cancelled, and international cover must start on exactly the same day. A day too early means being uninsured. A month too late means paying premium for nothing.
Your entire Dutch portfolio also falls apart. The personal liability insurance (AVP) is tied to a home address in the Netherlands and ends on departure. Your liability under Article 6:162 of the Dutch Civil Code moves with you to the law of your new country of residence. A car you export requires an indemnity certificate, after which the obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) lapses in the Netherlands. If you keep the property, occupation turns into letting or vacancy, and that is a change of risk you must report.
We therefore first draw up a timeline with the date of departure as the reference point and set all start and end dates against it. Only when that list is right do we compare OOM's international cover with that of other providers. If it concerns working abroad temporarily rather than leaving for good, you belong more with working abroad.
The same independent view, whatever insurer
We work with dozens of insurers and choose whichever fits your situation best — not whichever pays us the most. That means advice built around you, not around one brand.
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Through Finass or direct with OOM Verzekeringen?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
- Employers' liability at the client's premises
- Product liability
- Agency workers, interns & volunteers
- Care, custody and control (property in your care)
Complete package
The most complete cover. We compare OOM's extended version with the market.
- Environmental impairment (unforeseen, limited)
- Retroactive cover (prior risk)
- Higher sums insured
What we do
| What we do | At Finass | Direct with OOM Verzekeringen |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether OOM Verzekeringen is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Country of destination. The level of medical costs and the availability of treatment in your new country of residence are the main basis for the calculation.
- Household composition. Every insured person counts separately; children and partner are assessed individually.
- Age at inception. Your age on the start date determines the entry point and feeds through at every renewal.
- Outcome of the medical underwriting. Outside the Health Insurance Act there is no obligation to accept. A health declaration can lead to a clause.
- Extent of cover chosen. Medical costs alone, or a package with liability, contents and personal accident, makes a considerable difference.
- Excess or personal contribution. The higher the amount you bear yourself, the lower the premium. This is arranged differently in each package.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Deregistration, the end of health insurance and the start date in order
Deregistration from the Personal Records Database is the pivotal point: after it you are no longer a resident and the obligation to insure lapses. Your health insurer will want proof of this before terminating the policy. Set the start date of the international medical cover on the day after the last day of cover, not on the day of the flight, because the two rarely coincide.
The home left behind changes its risk
If you do not sell, your house becomes a let or vacant property. Neither is automatically covered under an ordinary home and contents policy; vacancy often leaves only fire and storm cover, and water damage from freezing falls outside cover in an unheated house. Reporting it is not a courtesy but an obligation that follows from the change-of-risk provision in your conditions.
Your household effects in transit fall under neither policy
As soon as the container is sealed, your contents are no longer contents but cargo. The Dutch home contents insurance has ended by then and the new policy in the destination country only starts on arrival. Transit insurance belongs in between. Note the standard exclusions: inherent defect, inadequate packing, securities, cash, and damage only discovered on unpacking without a note on the consignment note.
Liability and your car stop at the border
The AVP covers you as a private individual with a Dutch home address. That basis falls away on emigration. Different rules apply in your new country of residence, and cover for home ownership or pets is sometimes not a given. If you export the car, apply for an indemnity certificate: as long as the registration number is in your name, the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) remains in force and you risk a fine from the RDW (the Dutch vehicle authority).
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
Frequently asked questions
This is what people ask us most.
May I keep my Dutch basic health insurance after emigrating?
No. Basic health insurance is tied to the obligation to insure, and that ends as soon as you are no longer a resident and no longer pay Dutch payroll tax. Continuing to pay gives you no entitlement to reimbursement. The health insurer terminates the policy on production of your deregistration from the Personal Records Database and refunds the premium overpaid.
What happens to my liability insurance?
It ends on departure, because the cover assumes a home address in the Netherlands. If a family member continues to live in the Netherlands, a separate policy may be needed. In your new country of residence the liability law applicable there governs, and comparable cover is not always available as standard; arrange that before you leave.
Are my contents insured during the move?
Not automatically. Between loading and unpacking there is a period in which neither your old contents policy nor the new cover applies. Transit insurance exists for that. Draw up an inventory with photographs beforehand and have any damage noted on the consignment note on delivery, otherwise a claim is almost always refused.
How far in advance should I arrange this?
Start well before the moving date, because medical acceptance takes time and can lead to questions or a medical examination. Notice periods on existing policies and the application for an indemnity certificate for your car also take more than a week. We work with a timeline in which every start and end date is aligned with the date of departure.
Every situation is different. For these situations we have a separate page.
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.