Basic cover
- Injury to persons
- Property damage to third parties
- Employees included
- Retroactive cover (prior risk)
SOS insurance through OOM
SOS insurance does not pay the doctor but the logistics around it: the emergency centre that finds a suitable hospital, the accompanied transport home and family members travelling out.
- 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
SOS cover is assistance and not health cover. What is insured is the deployment of an emergency centre available day and night: search and rescue, medically accompanied transport to the Netherlands or to a better equipped hospital, a family member travelling out where there is danger to life, and repatriation of remains. An early return home in the event of serious illness or the death of a close relative in the Netherlands also belongs here.
The hard condition appears in almost every policy: permission in advance. Anyone who arranges an air ambulance themselves, crosses the border by taxi or books a ticket on their own initiative and sends in the bill afterwards is in a weak position. The emergency centre assesses whether the transport is medically necessary, which form is suitable and at what moment. Without that assessment there is no basis for charging the costs to the insurance.
This cover rarely stands alone. It is the addition to medical or travel cover, for example alongside the travel insurance through OOM. Finass looks above all at whether they fit together: who pays for the treatment, who for the transport, and what happens if the two are with different insurers.
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?
- Single-trip or continuous. Cover per trip is charged per day. A continuous version has an annual premium with a maximum trip length.
- Area of cover. Europe, worldwide, or worldwide including North America. The transport over those distances determines the level of cost.
- Number of people insured. A family or travelling party is included as a whole, with the return journey of those travelling with you counting as well.
- Age of the oldest insured. With assistance, the chance of a medically accompanied return journey weighs more heavily as age rises.
- Search and rescue included. This module raises the premium because deploying rescue services and helicopters mounts up quickly.
- Winter sports and special sports. Skiing off-piste, diving and climbing increase both the chance of a call-out and its complexity.
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.
Call before anything is arranged
The emergency centre is not a reporting point after the event but the party that takes the decision. It determines whether transport home is responsible, whether a local hospital is sufficient and which means of transport is used. If you only report once everything has been arranged, the insurer can rely on Article 7:941 of the Dutch Civil Code: late reporting works against you in so far as it has prejudiced a reasonable interest, for example because the transport could have been organised more cheaply.
Medically necessary transport, not comfortable transport
Repatriation is paid for where returning home is medically responsible and medically necessary. Wanting to go home early because the holiday is spoiled, because treatment abroad feels unfamiliar or because a flight has been cancelled does not fall under it. If the care on the spot is equivalent, you stay where you are and the SOS cover pays for no transport, however understandable the wish.
What SOS cover certainly does not pay
The treatment itself is outside it: the hospital bill, the operation, the medication and the dentist belong to medical or health cover. The cost of the trip you lose by leaving early also falls outside it. That is a matter for the cancellation cover. Damage to baggage, missed connections and the cost of a replacement travelling companion also stay outside this policy.
Search, rescue and places nobody goes
Mountain rescue, searches at sea and evacuation from a remote area are the most expensive operations and are precisely the ones that are tightly limited. Normally excluded are areas subject to negative travel advice, taking part in expeditions off the beaten track, competitive sport, and events caused by acts of war or nuclear reactions. Also check whether search and rescue is a separate module and not automatically included in the basic 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.
Why do I have to call the emergency assistance centre first?
Because it decides whether transport is medically necessary and which form is suitable. It knows the hospitals on the spot, arranges the guarantee of payment and prevents you having to pay up front locally. If you arrange everything yourself, the insurer can rely on Article 7:941 of the Dutch Civil Code and limit the payment to what it would itself have spent.
Is the hospital bill itself covered?
No. SOS cover pays for assistance and transport, not for treatment. The hospital's bill, the operation and the medication belong to your medical or health cover. The two have to fit together. If they are with different insurers, agree in advance who gives the guarantee of payment to the hospital.
Can my partner travel out if I am in hospital?
Usually yes, but subject to conditions: there has to be danger to life or an admission lasting longer than a period named in the policy, and the emergency centre has to give permission in advance. What is paid are the travel and accommodation costs within a capped period, not loss of earnings or the extra costs arising at home.
Does SOS cover also apply if I live abroad?
No, not as a matter of course. This cover assumes a trip from a fixed place of residence in the Netherlands and a return there. If you live permanently elsewhere, repatriation to the Netherlands is no longer an automatic right and you need an international arrangement, such as with a expat cover.
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.