OOM Verzekeringen (trade name of OOM Holding N.V., OOM Global Care N.V., OOM Schadeverzekering N.V. and "O.O.M." Onderlinge Molestverzekering-Maatschappij U.A.)

Assistance call deadline

For hospital admission, death, repatriation, or search and rescue you must telephone the OOM Emergency Centre (+31 (0)70 353 21 35, 24/7) as soon as possible; non-urgent, reimbursable events can be reported later via invoices uploaded to the 'Mijn OOM' portal.

Unauthorized treatment

Certain treatments (repatriation, kidney dialysis, plastic surgery, organ transplants) are only reimbursed if OOM's prior approval was obtained before the treatment; without prior authorization there is no right to reimbursement for these specific treatments.

Purchase while abroad

The reviewed policy documents do not explicitly state whether the insurance can be purchased after the insured has already entered the Schengen area; the policy is designed to meet the Schengen visa insurance requirement, which typically implies arranging cover before travel.

Chronic conditions

Costs resulting from chronic or pre-existing ailments, complaints or physical defects present on or before the start date are excluded, even if unknown to the insured; diabetes mellitus and its related complications, and gallstones/kidney stones, are specifically excluded.

Pregnancy

Costs of pregnancy, childbirth, maternity care and fertility-related treatments are excluded, unless there is an unforeseen and unexpected pregnancy complication arising before 32 weeks of pregnancy.

Pre-existing condition exclusions

Pre-existing ailments, complaints or physical defects existing on or before the policy start date are excluded, regardless of the insured's awareness; if a new policy is taken out after a previous one ends, pre-existing conditions are again excluded from the new start date.

Coverage duration limit

The maximum insured period is 6 months (3 months for insured persons aged 80 or older); the policy cannot be extended, although a new policy can be requested at the end of the term.

Medical expenses coverage

Coverage for unexpected medical expenses up to €500,000 per insured period in the Schengen area and designated countries

Repatriation coverage

Coverage for return to homeland in case of death or medical repatriation (requirement for Schengen visa)

Third-party liability coverage

Optional additional coverage for personal liability up to €1,250,000 per event for damage caused to persons or property in the Netherlands

SOS assistance coverage

24/7 emergency assistance including search and rescue, medical repatriation, and return to homeland in case of death

Physiotherapy treatment limit

Maximum of 25 physiotherapy treatments covered during the policy period

Age-based maximum coverage period

For individuals aged 80 years or older, maximum insurance period is 3 months instead of 6 months

Pre-existing conditions exclusion

Medical costs resulting from existing ailments, complaints, or physical defects that existed on or before policy start date are not covered

Geographical coverage area

Coverage applies in all Schengen countries at the time of insured event, plus Bulgaria, Cyprus, Ireland, Croatia, Romania, and United Kingdom; excludes overseas territories and country of origin

Age-dependent deductible (excess)

Deductible varies by age: €50 for ages 0-69, €100 for ages 70-79, varying amounts for age 80+

Pregnancy and childbirth exclusion

Pregnancy, childbirth, including maternity care, and related fertility treatments are not covered

Maximum insurance period

Maximum continuous insurance period is 6 months (or 3 months for individuals aged 80+); insurance is non-renewable

No medical underwriting required

Medical acceptance is not required for the healthcare insurance; instant coverage from day one without health questionnaire or medical examination