OOM Verzekeringen · compared independently · advice from Finass
Personal accident insurance through OOM
Anyone living or working outside the Netherlands for a longer period runs into two questions after an accident: who pays for the treatment on the spot, and who assesses from a distance how much injury is permanent.
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
This personal accident cover goes with a stay outside the Netherlands. That changes the character of the product: the payment is a fixed amount on death or permanent loss of function and therefore does not pay the hospital bill. Separate medical expenses cover is needed for that, and on leaving the Netherlands that is often anything but automatic, because the Dutch basic health insurance ends on deregistration.
The second point is where you are. A policy for international residence expressly names which countries and regions are covered and which are not. Moving during a contract year, a posting that is extended or a trip to an area with negative travel advice are all changes you have to report, even though your address on paper stays the same.
The third point is the assessment. Permanent disability is determined once the final medical position has been reached, and that assessment is made on the basis of a medical file built up in the country of residence. When comparing, we therefore look at the territories covered, the excluded occupations and the way the insurer arranges examinations and reporting abroad.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the essentials. We show what OOM and other insurers offer here.
Permanent disability (one-off payment)
Death caused by an accident
During work & commuting
Fixed or salary-related benefit
Extended cover
As well as cover during work, also 24-hour cover (7 days) (available as an extension) and higher benefits.
24-hour cover (7 days) (available as an extension)
Retraining (up to € 10.000)
Adaptations to the workplace, car & home
Interns & visitors covered as well
Complete package
The most complete cover. We compare OOM's extended versions with the market.
Repatriation in the event of death
Defence & legal costs
Dental costs
Cosmetic surgery
What is covered
Situation
Basic
With extension
Permanent disability after an accident
Yes
Yes
Death caused by an accident
Yes
Yes
Incapacity for work due to illness
No
Provided that
Continued payment of wages during sickness absence
No
Provided that
Reintegration and guidance
Provided that
Yes
Complaints that already existed when the policy was taken out
No
No
With accident and income cover, the definition of «accident» or «incapacity for work» determines what is paid out, together with the waiting period, the end age and the occupational profile. A condition that already existed or was known when the policy was taken out is usually excluded; non-disclosure can affect the payout (Articles 7:928 and 7:930 of the Dutch Civil Code).
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 payment does not replace medical expenses cover
Personal accident insurance pays a sum. It does not pay for treatment, surgery, rehabilitation or ambulance transport. If you live outside the Netherlands, the Dutch basic health insurance generally ends on deregistration, leaving the bill for a hospital stay entirely with you. Personal accident cover therefore belongs alongside a medical expenses or expat policy, not instead of it. We check that the two dovetail.
Where you are staying determines whether there is cover
Policies for international residence work with territories. Countries for which the ministry issues negative travel advice, areas of armed conflict and sometimes whole regions remain excluded. If you move or your posting is extended to another country, that is a change in the risk which you have to report. If it emerges afterwards that you were regularly staying elsewhere, the insurer can refuse the payment on the ground of an incorrect declaration.
Your work on the spot can limit the cover
Office work abroad counts differently from work on an oil rig, in mining, at height or in security. Many policies exclude those occupations or cover them only for an additional premium and after acceptance in advance. The same applies to riding a motorcycle or scooter in countries where that is the usual means of transport. Declare the work you actually do, not your job title.
Assessing permanent injury from another continent
The disability percentage is only set at the final medical position, on the basis of a report from a treating or examining doctor. In reality that calls for a complete file, translations and sometimes a further assessment in the Netherlands. Report the accident straight away, therefore; Article 7:941 of the Dutch Civil Code attaches consequences to a report that comes so late that the insurer's interests are harmed. Keep the police report as well.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Country or region of residence. The medical infrastructure, road safety and political stability on the spot set the risk class of your destination.
Length of stay. A posting of a few months is rated differently from permanent residence with no end date.
Work carried out on the spot. Manual work, offshore, mining and work at height require acceptance in advance and an additional premium.
Sums insured. The amounts chosen for death and permanent disability form the basis of the premium calculation.
Age of the insured persons. Age affects both the premium and the maximum sum and the final age of the cover.
Family members covered as well. A partner and children moving with you are insured individually, each with their own sum and their own acceptance.
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.
Can I take out this insurance if I have deregistered from the Netherlands?
That is precisely the situation this type of policy exists for. Where ordinary Dutch personal accident policies make registration in the personal records database a condition, policies for international residence assume a home address abroad. The insurer does ask about the destination, the length of stay and the work. That information decides whether and on what terms you are accepted.
Does this policy pay my hospital bill abroad?
No. Personal accident insurance pays a fixed amount on death or permanent disability and does not pay treatment costs. Medical costs fall under medical expenses cover for abroad; emergency assistance, repatriation and patient transport belong with an emergency centre or SOS cover. Anyone who has only this policy is in practice uninsured for the bill when a leg is broken.
What happens if I move to a country with negative travel advice?
You have to report it. Areas with negative travel advice and countries in armed conflict appear on virtually every insurer's list of exclusions. Sometimes residence is still possible on special terms, sometimes the cover for that country ends. What you certainly should not do is leave without saying: an accident there is then uninsured.
Who sets the disability percentage if I do not live in the Netherlands?
The insurer's medical adviser, on the basis of reports from the doctors who treated you locally. In many cases an examination in the country of residence is accepted, provided the file is complete and drawn up in a common language. Where there is doubt or where the injury is serious, the insurer can require a further assessment in the Netherlands.
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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