Schengen visa insurance
You need a Schengen visa insurance? Her you can easy buy a Schengen visa insurance. The policy insures you for unexpected medical expenses in the Netherlands and the Schengen area covered from only € 1.60 per day.
If you pay by iDEAL, creditcard (Mastercard or VISA) or Paypal, you will receive your policy by e-mail within an hour. If you use a different method of payment, you will receive your policy within a maximum of 10 working days after the premium has been credited to our account.
Schengen visa insurance for a temporary stay in the Netherlands
If you come to the Netherlands for a family visit, or are just passing through, it is advisable to take out insurance for unexpected medical expenses. OOM Schengen Visitor Insurance is such an insurance.
Summary
Here are the most important features of the Schengen Insurance.
- Limited health insurance without medical acceptance if you are staying in the Netherlands temporarily.
- Health insurance premium from € 1.60 per day.
- Cover up to € 500,000.
- You can take out insurance immediately.
- Your insurance meets the demands of the Schengen visa.
- You can add liability in the Netherlands to your insurance.
Who is the insurance for?
If you are staying temporarily in the Netherlands for a family visit or a holiday, you will want to be insured for unexpected medical expenses. If you apply for a Schengen visa, health insurance is compulsory. The Schengen Insurance offers cover for unexpected medical expenses, and meets the demands of the Schengen visa.
If you already have health insurance in your home country that is also valid in the Netherlands, you may not need the Schengen Visitor Insurance. Bear in mind, however, that medical care in the Netherlands may be more expensive than in your home country. You may be confronted with high costs if you are uninsured or under insured. Ask your own healthcare insurer for further details.
Schengen visa
In some cases a visa may be necessary for a short stay in the Netherlands. This is called the Schengen visa. This visa enables you to stay 90 consecutive days in the Netherlands or other Schengen countries. Whether or not you need a visa depends on your country of origin.
You will only be granted a visa for the Netherlands if you are sufficiently insured for emergency medical help. You must have insurance that:
- Covers the costs of repatriation (return to your country of origin) for medical reasons or for urgent medical care.
- Has a minimum cover of €30,000.
- Is valid for your entire stay.
OOM Schengen Visitor Insurance meets all these requirements.
What does the Schengen insurance cover?
The Schengen Visitor Insurance covers unexpected healthcare costs. For example, the cost of treating acute appendicitis or a broken leg. If you incur medical expenses for an ailment or complaint that you had before taking out Schengen Visitor Insurance, we will not reimburse these expenses.
The insurance will reimburse for example:
- a general practitioner
- medication
- specialist care
- hospitalisation
- dental costs following an accident, up to € 350
If your medical expenses are covered by the Schengen Visitor Insurance, you will be reimbursed up to € 500,000.
Per insured period you will have the following excess:
- € 50 if you are younger than 70 years.
- € 100 if you are aged between 70 and 79 years.
- € 200 if you are aged 80 and above.
Sometimes there is a maximum amount or a maximum number of treatments covered.
You can add liability to your insurance. We will then reimburse damages caused by you to others or property in the Netherlands up to €1,250,000. You have an excess of €45 per event for items you may have borrowed.
To find out exactly what is reimbursed, see the coverage summary (pdf).
What doesn’t the insurance cover?
Schengen Visitor Insurance is not subject to medical acceptance. Before you take out insurance, we will only ask if you are expecting to be admitted to hospital.
If you incur medical expenses for an ailment or complaint that you had before taking out OOM Schengen Visitor Insurance, we will not reimburse these expenses. This also applies if you did not know you had the ailment or complaint at the time you took out the insurance.
You will not receive reimbursement for some treatments. Important exclusions are:
- Pregnancy and birth (including maternity care).
- Diabetes mellitus, gallstones and kidney stones.
- Dental costs which are not the result of an accident.
For all exclusions, see the OOM Schengen Visitor Insurance policy terms and conditions (pdf).
How long is the insurance valid?
You can take out Schengen Visitor Insurance for a maximum of 6 months. If you are aged 80 or above, the insurance is only valid for a maximum of 3 months.
If your insurance has expired, you cannot extend it: you must take out new cover. Again, we will not reimburse any costs incurred for ailments or complaints you already had when you took out the insurance. You may therefore find that there is no cover for complaints or ailments in your new insurance which were covered by your old insurance.
If you don’t know how long you will need insurance, it is better to choose a longer period rather than one that may be too short.
What is the premium?
Depending on your age, the OOM Schengen Visitor health insurance insures you for unexpected medical expenses in the area covered from only € 1.60 per day. If you incur medical expenses for an ailment or complaint that you had before taking out Schengen Visum Insurance, we will not reimburse these expenses.
|
Age
|
Premium per day
|
Excess
|
Maximum duration
|
|---|---|---|---|
| 0 to 69 years | €1.60 | €50 | 6 months |
| 70 to 79 years | €6.00 | €100 | 6 months |
| 80 years and above | €8.00 | €200 | 3 months |
The minimum premium per insured period is € 25.
The premium (including insurance tax) for third party insurance is € 0.18 per day for 1 person and € 0.36 per day for 2 or more people.
Area covered
The insurance applies to the whole Schengen Area: Austria; Belgium; Czech Republic; Denmark; Estonia; Finland; France; Germany; Greece; Hungary; Iceland; Italy; Latvia; Liechtenstein; Lithuania;Luxembourg; Malta; Netherlands; Norway; Poland; Portugal; Slovakia; Slovenia; Spain; Sweden; Switzerland. And also: Bulgaria; Croatia; Cyprus; Ireland; Romania, United Kingdom.
The insurance does not apply in your country of origin and in European territories overseas such as Aruba, Bonaire and Curaçao.
Taking out insurance cover
You can take out this Schengen Visitor Insurance online. Provided that you are not expecting to be admitted to hospital, you will be able to take out insurance. Bear in mind that we will not reimburse medical expenses for an existing ailment or complaint that you may have when you take out the insurance. This also applies if you did not know you had the ailment or complaint at the time you took out the insurance.
Frequently asked questions
Medical treatment or hospitalisation
I need hospitalisation or need to receive medical treatment. What should I do?
We would like to help you quickly. Please read what to do in the case of hospitalisation or other medical treatment. Reporting healthcare costs.
What if I am in hospital on the expiry date?
If you are in hospital on the expiry date and are not allowed to return home, we will reimburse the costs of hospitalisation for up to a maximum of 30 days after the expiry date of your insurance, provided, of course, that these costs are covered by your insurance.
Am I insured for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’)?
No, you will not be reimbursed for repatriation by charter air ambulance for skiing-related injuries (‘gipsvlucht’) if you have an accident during a skiing holiday.
Premium payment
When do I have to pay the premium for the insurance?
For the OOM Schengen Visitor Insurance you must pay the whole premium in advance. It is not possible to pay in instalments.
Will I get the Dutch healthcare allowance if I take out OOM Schengen Visitor health insurance?
The Dutch healthcare allowance (zorgtoeslag) is a contribution to the costs of Dutch national health insurance. OOM Verzekeringen does not offer Dutch national health insurance. You will therefore not receive any Dutch healthcare allowance.
Alteration, extension or termination
What if I come to the Netherlands later, or don’t get a visa?
You may come to the Netherlands later than you had planned. In that case, you can change your OOM Schengen Visitor Insurance commencement date. To do this you must send us an email before the original commencement date. You cannot alter the commencement date if the insurance has already commenced.
If your visa request is rejected, you can terminate your OOM Schengen Visitor Insurance. We will then refund all premiums paid. Send us an email with a request to terminate your insurance. Include:
- A copy or scan of the rejection letter from the embassy or consulate.
- The bank account number for refunding your premium.
Can I extend my insurance?
No, you cannot extend your insurance. After the end of the insured period you may take out the same insurance again. Here too we will not reimburse any costs incurred for ailments or complaints you already had when you took out the insurance. You may therefore find that there is no cover for complaints or ailments in your new insurance where you were covered by your previous insurance.
Can I terminate my insurance earlier?
You may come to the Netherlands later than you had planned. In that case, you can change your OOM Schengen Visitor Insurance commencement date. To do this you must send us an email before the commencement date. You cannot alter the commencement date if the insurance has already started. If your visa request is rejected, you can terminate your OOM Schengen Visitor Insurance. From that date on we will then refund your premium. Send us an email with a request to terminate your insurance and include:
- a copy of the rejection letter from the embassy or consulate.
- the bank account number where you would like to receive the refunded premium.
Other questions
Does this insurance meet the demands of the Schengen visa?
Yes, the OOM Schengen Visitor Insurance meets the demands of the Schengen visa. These demands are:
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- Validity for the entire duration of the stay.
- Cover for urgent medical care.
- Cover for repatriation for medical reasons.
- • Minimum cover of €30,000.
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The OOM Schengen Visitor Insurance even has cover of €500,000 for the insured period.
I need the policy immediately. Is that possible?
If you pay by iDEAL, PayPal or MasterCard/VISA, you will receive your policy by email within an hour. You can take out insurance online immediately.
Any questions?
If you have any questions, please contact us, by phoning + 31 (0)70 353 21 00. You can reach us on workdays from 9.00 to 17.00. You can also e-mail us: info@reisverzekeringblog.nl. We will be pleased to help in any way we can.
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