OOM Verzekeringen · compared independently · advice from Finass
Temporary stay in the netherlands insurance via OOM
Between arrival in the Netherlands and the day on which the obligation to take out health insurance begins there is a period without cover. This insurance fills exactly that part.
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
Anyone coming to the Netherlands to live or work is not immediately liable to insure. The obligation under the Zorgverzekeringswet (the Dutch Health Insurance Act) only arises once you are a resident or pay payroll tax here, and that is bound up with the IND procedure, registration with the local authority and the issuing of a citizen service number. Those steps take weeks. A GP or hospital will still send a bill in those weeks.
This cover is intended for that interim period and not for a holiday. That is also the difference from a Schengen visitor insurance, which assumes a short tourist or business visit within the visa period. Here the Netherlands is your country of stay: there is no baggage or cancellation section and repatriation is to your country of origin, not to the Netherlands.
The policy is also temporary by design. As soon as the obligation to insure begins, you must take out Dutch basic health insurance within the statutory period and this cover ends. We align those two dates so that you neither pay twice nor end up uninsured.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your temporary stay in the netherlands 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.
Cover ends on the day the obligation under the Health Insurance Act begins
This is a bridging product, not an alternative to basic health insurance. If you become liable to insure, you must register with a Dutch health insurer within the statutory period, with retroactive effect to the day the obligation arose. If you do not, a reminder follows via the CAK and then a fine. This policy expires at that same moment and provides no cover thereafter.
What you already had on arrival is not new
Outside the Dutch system there is no obligation to accept. The insurer asks about your health, and under Article 7:928 of the Dutch Civil Code you must answer those questions in full. A condition that already existed or for which you were already receiving treatment is generally excluded. If you fail to disclose something, the insurer can later invoke Article 7:930 of the Dutch Civil Code and limit or refuse reimbursement.
Here the Netherlands is a country of stay, not a travel destination
Because you are staying here rather than travelling, the classic travel sections are absent. There is no cover for baggage, no cancellation cover and no reimbursement of family members' travel costs. Repatriation here means transport to your country of origin in the event of serious illness or death. Anyone genuinely coming as a tourist belongs with the visitor product and not with this policy.
Long-term care, dentistry and pregnancy
Cover is aimed at acute and necessary medical care. Care that would fall under the Long-Term Care Act, planned treatment for which you have come to the Netherlands, dental treatment other than after an accident, and costs surrounding pregnancy and childbirth are generally excluded or subject to a waiting period. Check this before you arrive, because the waiting period runs from the start date.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Age of the insured. Expected demand for medical care rises with age and is the first basis for the calculation with cover of this kind.
Length of the bridging period. The premium is calculated by period. The expected duration of the IND procedure determines the term.
Extent of cover chosen. Acute care only, or the GP, medication and additional treatment as well, makes a difference to the rate.
Number of family members covered. A partner and children are included and assessed person by person.
Outcome of the health declaration. A pre-existing condition leads to a clause or to an adjusted rate.
Excess per event. The higher the personal contribution you accept, the lower the premium for the interim period.
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.
When do I become liable to take out health insurance in the Netherlands?
As soon as you are a resident, that is to say living here on a lasting basis, or as soon as you start paying payroll tax in the Netherlands. In reality that is bound up with your residence permit, registration with the local authority and the start of your employment. The obligation can arise retroactively, even if you only receive a citizen service number later.
Can I keep this policy alongside Dutch basic health insurance?
No, there is no point. As soon as you are liable to insure, basic health insurance takes precedence and the basis for this cover falls away. Letting it run on means paying premium for a policy that no longer pays out. So report the start date of your basic health insurance straight away, and the bridging cover will be terminated on that same day.
Is this the same as a Schengen visitor insurance?
No. A visitor insurance goes with a short visit within the visa period and is aimed at a tourist or business stay. This cover is for people settling in the Netherlands and waiting for the obligation to insure to begin. The term, the sections and the purpose of the two products differ, and an embassy often asks specifically for the visitor product.
Are pregnancy and childbirth covered?
Usually not, or only after a waiting period that is longer than the bridging period itself. A pregnancy already existing on the start date is treated as an existing situation and falls outside cover. If you are expecting a child, state this on the application so that you know in advance which costs you will bear yourself.
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.
