OOM Verzekeringen · compared independently · advice from Finass
Insurance for expats via OOM
On a posting abroad the risk lies with the employer rather than the employee, and that changes who takes out the policy, what it has to say and when cover ends.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
An expat goes abroad temporarily, usually with a continuing contract or with a local appointment and an agreed return. The starting point is social security. With an A1 certificate the employee remains insured under the Dutch system within the EU, the EEA, Switzerland and treaty countries. Without that certificate, or on a posting to a country with which there is no treaty, he falls outside it and two gaps open up at once: medical care and disability.
The employer's obligations also cross the border. The duty of care under Article 7:658 of the Dutch Civil Code applies at a foreign workplace too, and Article 7:611 DCC on good employership extends to taking out proper insurance for risks connected with the posting. An employer who fails to do so can be liable for the loss the employee is consequently left with.
Finass therefore assesses a posting from two sides: the cover for the employee and their family, and the employer's position. Anyone working independently and without a client on the spot needs a different structure; see insurance for digital nomads.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your expat insurance. We show what OOM and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
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.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The A1 certificate sets the starting point
Within the EU, the EEA, Switzerland and treaty countries, a posted employee with an A1 certificate remains socially insured in the Netherlands. Cover under the Health Insurance Act then continues, but reimburses foreign care up to the Dutch tariff at most. Outside those countries the obligation to insure ends as soon as the centre of life shifts. Expat cover tops up the difference in the first case and takes over medical care entirely in the second.
Who is the policyholder, and what happens when employment ends
If the policy is in the employer's name, cover ends when employment or the posting is terminated or when the employee is recalled, while the employee may still be abroad at that moment. Record in writing who cancels, as at what date, and whether individual continuation is possible. In practice this is the most common cause of an uninsured period during a posting.
Accompanying family and those staying behind
A partner and children who move with you must be expressly insured. Their own basic health insurance ends on deregistration just as firmly as the employee's does. A partner who continues to live in the Netherlands does not fall under the expat cover and keeps their own Dutch policies. The same applies to school-age children who stay behind here; check that no in-between situation arises in which someone is covered nowhere.
What expat cover does not resolve
Outside the picture are disability and pension accrual during the posting, locally compulsory social insurance contributions that you still pay on the spot, and events caused by war, insurrection or political evacuation in countries subject to negative travel advice. The employer's liability towards third parties on the spot also falls outside it: that runs via Articles 6:170 and 6:171 of the Dutch Civil Code and belongs in public and employers' liability insurance (AVB).
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Country of posting. The local level of medical costs is decisive. A few countries have a separate rating group.
Length of the posting. A secondment of a few months is set up differently from a placement of several years.
Number of family members covered. Every accompanying partner and every child is assessed and counted separately.
Age profile of the group. With group postings, the average age of the participants feeds through into the rate.
Level of cover and excess. A package with dentistry, pregnancy and preventive care is higher than cover for medically necessary care alone.
Evacuation and repatriation. Including medical evacuation and repatriation weighs more heavily the more remote the destination is.
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.
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.
Does my Dutch health insurance continue during the posting?
Only if you remain socially insured in the Netherlands, which is the case within the EU and treaty countries with an A1 certificate. Basic health insurance then reimburses foreign care up to the Dutch tariff, which in many countries is far below the actual bill. Outside those countries the obligation to insure ends and you need full international cover.
Does my employer have to arrange insurance for me?
The duty of care under Article 7:658 of the Dutch Civil Code applies at a foreign workplace too, and Article 7:611 DCC requires good employership, which includes taking out proper insurance for risks connected with the posting. If an employer fails to do so, they can be liable for the loss you are consequently left to bear.
Is my partner automatically covered as well?
No. Accompanying family members must be named on the policy. Their Dutch basic health insurance ends on deregistration with the local authority, so without being named on the expat policy they are uninsured from the date of the move. If your partner continues to live in the Netherlands, they keep their own Dutch policies and fall outside this cover.
What happens if the posting ends early?
A policy in the employer's name then usually ends as at the date on which the employment or the placement ends, while you may still be there. Agree in advance how long cover continues after a recall and whether you can continue it individually. Otherwise short bridging cover until your return is necessary.
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.
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