OOM Verzekeringen · compared independently · advice from Finass
Travel insurance through OOM
For anyone living outside the Netherlands, the standard definition of a trip no longer fits: cover has to begin at your foreign home address, and a trip to the Netherlands is then not a homecoming but a journey.
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 ordinary Dutch travel policy defines a trip as the period between leaving your home address in the Netherlands and returning there, and requires that you are registered here. If you live abroad, you fall outside that definition. A claim you report from a country where you actually live is then not a travel claim but an argument.
The second difference is the missing underlying layer. In the Netherlands a travel policy tops up what the basic health insurance already pays. If you have been deregistered, that basic insurance has lapsed and the full medical bill has to come from somewhere else: from health cover for living abroad, not from the travel policy. We check that the two connect properly.
The third point is the question of what still counts as a trip during your stay. Weekend breaks from your country of residence, home leave to the Netherlands and onward travel to neighbouring countries are not treated alike by every policy. If you travel very regularly, also look at the SOS cover, which arranges assistance and repatriation separately.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your travel insurance. We show what OOM and other insurers offer within it.
Luggage & travel documents abroad
SOS emergency assistance centre
Money & payment cards while travelling
Help in case of illness or accident
Extended cover
On top of that to medical assistance, also luggage, accidents, legal expenses and (optionally) winter sports.
Luggage & travel documents
Money & payment cards while travelling
Travel legal expenses cover
Money & payment card insurance
Complete package
The most complete cover. We compare OOM's extended version with the market.
Replacement transport
Cancellation can be included
Special sports
Higher luggage cover
What is covered
Situation
Basic
With winter sports module
Theft of luggage from a locked space
Provided that
Provided that
Repatriation after an accident
Yes
Yes
Medical expenses abroad
Provided that
Provided that
Damage to or theft of hired ski equipment
No
Yes
An accident while skiing off-piste
No
Provided that
A trip to an area with a negative travel advisory
No
No
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
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.
Where the trip begins is set out in the conditions
With a policy for living abroad, the point of departure is your home address in the country where you are staying. That looks like a detail, but it determines whether the drive to the airport, a weekend in a neighbouring country and the return flight fall within the cover. If you move to another country, tell us: with this product the country of residence is an underwriting fact and not an administrative side issue.
The underlying medical layer is often missing
Once you are removed from the Dutch personal records database, your Dutch health insurance ends. A travel policy does not then suddenly pay for everything: its medical costs module is designed as a top-up. Without underlying health cover you are left with a large part of the bill if you are admitted to hospital. The travel policy mainly deals with luggage, assistance, transport and legal expenses, and that is something other than healthcare.
Luggage on a trip is not household contents on the spot
Luggage cover applies to the things you take with you on a trip, not to the furnishing of your home abroad. Furniture, household appliances and items you buy locally fall outside the cover and belong on a local or international home contents policy. For valuables there are also sub-limits per category, so an expensive laptop or camera hits a ceiling sooner than it reaches the total sum insured for luggage.
What is not included
Outside the cover are: stays in areas with negative travel advice or armed conflict, paid work and manual labour during the trip, treatment of complaints that already existed at departure, and costs you incur without calling the emergency assistance centre where prior permission is required. Report a claim in good time as well: Article 7:941 of the Dutch Civil Code attaches consequences to a notification that harms the insurer's interests.
Worldwide assistance
Cancellation
What does your premium depend on?
Country where you live. Healthcare costs, assistance costs and local safety determine the risk class of your country of residence.
Destinations you travel to. Cover limited to the region is cheaper than worldwide cover including North America.
Frequency and length of trips. Someone who is away every month is rated differently from someone who takes home leave once a year.
Combination with health cover. If the health cover runs with the same provider, the modules connect and double premium falls away.
Number of family members travelling with you. A partner and children living abroad with you are each insured individually.
Sum insured for luggage and chosen modules. Luggage, legal expenses, special sports and a replacement vehicle are separate building blocks with their own rates.
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.
I live abroad. Can I take out Dutch travel insurance?
An ordinary continuous travel policy usually not: it requires registration and a home address in the Netherlands. Policies for living abroad start precisely from a foreign home address and define the trip from that point. If you take out a Dutch policy while living elsewhere, you run the risk that a claim is rejected on the basis of how the term trip is defined.
Is my trip to the Netherlands covered?
That depends on how the policy treats the Netherlands. With some products the Netherlands counts as an ordinary destination and the trip there is covered. With others it counts as the country of origin, with different or limited cover, for example because you can still obtain care there. Have this point confirmed in advance if you come home on leave regularly.
Does this policy cover my medical costs in the country where I live?
No, or only to a limited extent. Travel insurance covers costs arising during a trip, not routine healthcare in your country of residence. A GP, a dentist, chronic medication and planned local treatment belong with health cover for living abroad. Anyone who has only this policy is in effect uninsured for day-to-day care.
What happens if I return to the Netherlands for good?
Then your situation changes fundamentally and the product no longer fits. As soon as you register again, you are obliged to take Dutch health insurance and an ordinary continuous travel policy becomes the logical successor. Tell the insurer about your return; do not let the policy roll on quietly, because you would then be paying premium for cover that no longer fits.
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.
