Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
Insurance for students abroad via OOM
Your Dutch basic health insurance travels with you to your exchange placement, but reimburses no more there than the Dutch tariff. In North America that is a fraction of the bill.
- 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
If you remain registered in the Netherlands while studying abroad, cover under the Health Insurance Act continues with worldwide cover. That cover is, however, limited to the tariff applicable in the Netherlands. In countries where care is far more expensive, such as the United States, Canada, Australia, Japan and Switzerland, a substantial part of every bill is therefore left for you to pay. A supplementary international policy covers that difference, or takes over medical care entirely.
Two things end cover under the Health Insurance Act altogether. A paid placement or part-time job in another EU country makes you socially insured there, so that the Dutch obligation to insure lapses by operation of law. And deregistration from the population register during a long stay does the same. In both cases you no longer need a top-up but full international cover.
If you are instead coming from abroad to study in the Netherlands, different rules apply; see insurance for international students in the Netherlands. The broader overview is set out under insurance for students or au pairs.
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.
InsurersPhoto coming soon
IndependentPhoto coming soon
AdvicePhoto coming soon
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 local level of medical costs is the heaviest factor; North America is almost always in a group of its own.
- Length of stay. A single semester is calculated differently from a full multi-year course abroad.
- Age. Determines expected use of medical care and the age band in which the student cover falls.
- Top-up or full cover. If your basic health insurance continues, a top-up is sufficient; otherwise a full international policy is needed.
- Excess. A higher excess reduces the premium, but note how it interacts with the excess on your basic health insurance.
- Liability, baggage and repatriation. Modules that host institutions sometimes prescribe themselves and that make the package heavier.
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.
Worldwide cover is not worldwide reimbursement
Basic health insurance reimburses care abroad up to the Dutch tariff at most, or up to the market-conforming level stated in the policy conditions. The difference is left with you. With a hospital admission in North America that mounts up quickly, and a hospital there will also ask for a guarantee of payment or advance payment before any treatment is given at all.
A paid placement changes everything
If you receive a placement allowance or take a part-time job in another EU country, you become socially insured there and the Dutch obligation to insure ends by operation of law. Any healthcare allowance received can also be reclaimed. Notify your insurer of the placement in advance as well, because a policy that assumes a student who does not work does not cover work-related accidents.
What the host university requires
Many institutions in the United States and Canada prescribe their own student plan, unless you apply for a waiver with a policy that meets their list of requirements. What is considered includes the term, the presence of repatriation cover and cover for care on campus. Ask for that list of requirements before you take anything out, because converting afterwards costs you your enrolment date.
Where the cover stops
Cover does not extend to sport at competition level on behalf of the university, complaints that already existed on departure and ongoing medication, psychological support other than emergency care, or travel to areas subject to negative travel advice. Tuition fees you lose if you have to break off your studies are also excluded; that is a cancellation matter and not medical cover.
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.
Does my Dutch health insurance continue if I study abroad?
Yes, as long as you remain registered in the Netherlands and no paid work in another country is added. Cover then applies worldwide, but reimburses no more than the Dutch tariff. In countries with expensive care a great deal is therefore left for you to pay, and repatriation, liability and baggage are not included in any case.
I am going on a placement and will receive an allowance. Does that change anything?
Yes, and more than you would expect. Paid work in another EU country makes you socially insured there, so that your Dutch obligation to insure, and therefore your basic health insurance, ends by operation of law. You then need full international cover instead of a top-up, and any healthcare allowance overpaid can be reclaimed.
My university requires its own insurance. Can I get out of it?
Sometimes, by means of a waiver. Institutions then publish a list of requirements your own policy must meet, for example on term, repatriation and care on campus. Ask for that list before you choose a policy and have it checked that the cover matches; a refused waiver means you pay for their plan after all.
Am I also covered when travelling at weekends?
Only if the area of cover allows it. A policy geared to one country of study does not automatically cover a trip to a neighbouring country, let alone a journey during the holidays. Look at the area of cover and at the maximum duration of an interruption, and extend it if you plan to travel further during your period of study.
Every situation is different. For these situations we have a separate page.
- Why we work with different insurersThe main page
- Insurance for au pairs via OOM
- Insurance for expats via OOM
- Insurance for digital nomads via OOM
- Insurance for foreign nationals in the netherlands via OOM
- Insurance for international students in the netherlands via OOM
- Insurance for students or au pairs via OOM
- Insurance when working abroad via OOM
- Insurance for volunteers abroad via OOM
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.