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De Schengen Visitor verzekering is een beperkte ziektekostenverzekering. Daarnaast kun je de verzekering aanvullen met een aansprakelijkheidsverzekering voor extra dekking.

Stel zelf je verzekering samen

Wil je precies weten wat je vergoed krijgt? Bekijk dan de voorwaarden, dekkingen en verzekeringskaarten.

Voorwaarden voor onze Schengen Visitor verzekering

Bereken je premie

Schengen visitor verzekering

Aanvragen

Reizen naar het buitenland

Iedere backpacker heeft andere wensen. Daarom stel je bij OOM je Tijdelijk in het Buitenland verzekering zelf samen. Voor de ziektekostenverzekering kies je uit 3 dekkingen. Daarnaast kun je de verzekering aanvullen met 8 aanvullende verzekeringen.

Stel zelf je verzekering samen

Voorwaarden van onze verzekering voor backpackers

Backpackers

Schade melden annuleringsverzekering

Lees meer

Wat vergoedt een annuleringsverzekering? 

To the Netherlands

More information

Alle objecten

Met de OOM Combinatiepolis stel je eenvoudig zelf de verzekering samen voor jouw recyclingbedrijf. Je kunt één of meer basismodules afsluiten en deze combineren met onze aanvullende modules. Ontvang een aantrekkelijke <a href="#" data-modal="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" title="Korting Combinatiepolis">korting</a> als je meerdere modules afsluit.

Wil je precies weten wat je vergoed krijgt? Bekijk dan onze voorwaarden en verzekeringskaarten.&nbsp;

Voorwaarden van de OOM Combinatiepolis

Recycling verzekering

Objecten

Declare costs

Reporting healthcare costs

Our clients dare to make choices not everyone would. But daring doesn’t mean blind trust. On the contrary, it means you need certainty. Agreements you can build on. An insurer that understands what you do and follows your story.
This is what we have become good at. For over 85 years, we have built up expertise in risks that are just that little bit different. Our team knows your situation inside out. Available 24/7, personal and always involved. Wherever you are in the world. And our clients challenge us and keep us sharp. Helping us continuously improve.

OOM was founded on 16 July 1940, in the middle of WW II. The Netherlands was occupied, but daily life went on. Bakers baked bread, shops stayed open, businesses continued running. OOM offered people certainty in a time of uncertainty. This mission has never changed.
After the war, we grew to specialise in high risks, insurance for Dutch nationals abroad and foreigners in the Netherlands.&nbsp;
Curious about the organization? Read more about OOM:
<ul>
<li><a href="/about-oom/organisation/" title="Organization">Organisational structure</a></li>
<li><a href="/investment-policy/" title="Investment policy">Investment policy</a></li>
<li><a href="/fraud-policy/" title="Fraud Policy">Fraud policy</a></li>
</ul>

Medewerkers OOM Verzekeringen

About OOM

Country overview

Healthcare in Germany is known for its high quality, and there aren’t usually any long waiting times. You can choose between two types of healthcare insurance: public healthcare insurance (gesetzliche Krankenversicherung) and private healthcare insurance (private Krankenversicherung).

If you’re employed and your income is below a certain limit, you’re obliged to take out public healthcare insurance. You can select which Krankenkasse (healthcare insurance company) you want to use.&nbsp;
If you’re legally obliged to be insured, your employer will deduct the premium from your salary. The maximum monthly premium depends on your income. Your employer also pays part of the premium to the Krankenkasse. 
If you have public healthcare insurance with a Krankenkasse, you can also take out supplementary insurance with a private insurer. For example, OOM Healthcare insurance.

If you earn more than the income threshold or are self-employed, you have a choice between public healthcare insurance and/or private health insurance. Keep in mind that it can be difficult to switch back to public insurance once you’ve opted for private insurance.
Private healthcare insurance from German insurers often offers more extensive cover than public insurance, and you usually don’t have to pay a personal contribution for treatment.&nbsp;
However, the premium for private insurance is higher and depends on your health and age. In some cases, the insurer can also reject your insurance application.

The answer is simple: If you’re registered in Germany, you’re obliged to take out healthcare insurance.&nbsp;
If you’re only staying in Germany temporarily, for example, on holiday, the European Health Insurance Card (EHIC) entitles you to the necessary medical care in line with the applicable rules and rates. You can apply for an EHIC via your Dutch health insurer. It may still make sense to take out travel insurance with medical cover.&nbsp;

If you want to or are obliged to take out public healthcare insurance, choose a Krankenkasse and register.&nbsp;
The Krankenkasse will collect the premiums and organise your healthcare insurance. There may be minor differences in premiums and services between different Krankenkasses.  For more information, see the <a rel="noopener" href="https://www.krankenkassen.de/gesetzliche-krankenkassen/krankenkassen-liste/" target="_blank">list of all Krankenkasses</a> (in German).

<ul>
<li>Information from the Dutch government about&nbsp;<a rel="noopener" href="https://www.grensinfo.nl/nl/nlwede/zorg/index.html" target="_blank">living or working in Belgium and Germany</a> (in Dutch)</li>
<li>If you receive a Dutch state pension (AOW) or social security benefit in the Netherlands and you live in Germany, please contact the <a rel="noopener" href="http://www.hetcak.nl/en/contact/" target="_blank" title="CAK">CAK</a></li>
<li>Public insurance <a rel="noopener" href="https://www.krankenkassen.de/ausland/versicherungspflicht/" target="_blank">joint health insurers</a> and <a rel="noopener" href="https://www.gkv-spitzenverband.de/" target="_blank">GKV spitzenverband</a> (in German)</li>
<li>Everything you need to know about German public healthcare can be found on the website of the German <a rel="noopener" href="https://www.bundesgesundheitsministerium.de/" target="_blank" title="Ministry of Health">Ministry of Health</a> (in German)</li>
</ul>

If you remain registered in the Netherlands, your Dutch national health insurance will cover emergency care anywhere in the world up to a maximum of the cost in the Netherlands. Dutch national health insurance generally doesn’t reimburse the cost of repatriation or evacuation in the case of illness or an accident. &nbsp;If you’re no longer registered in the Netherlands, you’re no longer entitled to Dutch national health insurance and you must arrange your own insurance. &nbsp;
Healthcare in Germany can be quite different to what you’re used to in the Netherlands. Not every country has national health insurance, there may be strict rules and waiting times may apply. Healthcare costs can also be much higher than in the Netherlands. Without proper cover, this can leave you with unexpectedly high bills.&nbsp;
With OOM, you don't have to worry. We’ll make sure everything is properly taken care of.&nbsp;

We’re here for people with extraordinary stories, who want to be well insured. We always offer a solution that will suit your situation during your stay in Germany.&nbsp;
Our healthcare insurance gives you certainty when Dutch national health insurance no longer applies or doesn’t provide sufficient cover. Your OOM insurance can also serve as a supplement to local insurance in Germany. Providing you with proper cover for costs outside your local policy. This is especially important in a country where the rules are different to in the Netherlands, or healthcare costs can be unexpectedly high.&nbsp;
With OOM Healthcare insurance you can:&nbsp;
<ul>
<li>Insure yourself while staying abroad: If your Dutch national health insurance expires and you can’t or don’t want to use the local healthcare system, our international healthcare insurance provides you with the certainty you’re looking for</li>
<li>Insure yourself while you wait for your local insurance to come through</li>
<li>Get additional insurance if your Dutch national health insurance or local public insurance are not enough</li>
</ul>

OOM's insurance is for anyone who wants to be properly insured in Germany. Whether you’re only staying abroad temporarily or permanently emigrating. Our solutions suit different situations, such as:&nbsp;
<ul>
<li><a href="/insurance/working-abroad/" title="Working abroad">Expats and entrepreneurs</a> going to Germany for work, or who need insurance to be able to register locally</li>
<li><a href="/insurance/emigrating/" title="Emigrating">Dutch nationals</a> who do not have, or who are no longer entitled to Dutch national health insurance </li>
<li><a href="/insurance/students/" title="Students">Students and travellers</a> temporarily staying in Germany</li>
<li><a href="/insurance/emigrating/" title="Emigrating">Emigrants</a> permanently settling in Germany</li>
<li><a href="/insurance/travelling/" title="Travelling">Backpackers or global travellers</a> who want to avoid unexpected costs during their adventure in Germany</li>
</ul>
OOM provides worldwide cover and helps you avoid unexpected bills. This is reassuring in a country where healthcare is regulated differently than in the Netherlands.

Choosing OOM means choosing certainty that travels with you. Wherever you are in the world:
<ul>
<li>Worldwide cover: Including if you visit the Netherlands or travel while living abroad</li>
<li>Always available: Our Assistance Centre is available 24/7</li>
<li>Tailor-made: You choose the cover that best suits your situation</li>
<li>Extra certainty: Supplement your insurance easily with additional options, such as household contents, personal accident or liability insurance</li>
</ul>
With OOM you can arrange your own healthcare insurance quickly and effectively. Helping you focus on your plans in Germany, without unexpected worries.

Do you want to start your adventure without worry? You can calculate your premium easily online and apply for your insurance immediately. &nbsp;
If you’ve any questions, our team will be happy to help you.

Germany is a stable and safe country for temporary or permanent residence. Medical care is easily accessible and of high quality. However, other rules apply for your healthcare insurance once you register in Germany. This may affect your Dutch health insurance and how you’re insured for medical expenses. Always check the current travel advice from&nbsp;<a id="menur68k" rel="noopener" href="https://www.nederlandwereldwijd.nl/reisadvies/duitsland" target="_blank" title="https://www.nederlandwereldwijd.nl/reisadvies/spanje" class="fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn" aria-label="Koppeling The Netherlands Worldwide">The Netherlands Worldwide </a>(in Dutch).
To find out exactly what this means for you, you need to look at your personal situation, the rules of the public insurance (Krankenkasse) and the options for private or supplementary insurance. This will help avoid any surprises, and you can be sure that you’re well insured.&nbsp;

Disclaimer The information on this page is intended for general information purposes. While OOM Verzekeringen has compiled the content with care and endeavours to ensure that this information remains up-to-date and reliable, we cannot guarantee that the information is complete, up-to-date or without mistakes. No rights can be derived from the information on this page. OOM Verzekeringen accepts no liability for any direct or indirect damage caused by the use of, reliance on, or actions taken in response to the information provided. Even if this information is incomplete or incorrect. The information on this page refers to websites of other organisations. OOM Verzekeringen is not responsible for the content of any third-party websites or information referred to.

Camping in Germany

Healthcare insurance Germany

Working abroad

Emigreren

Meer informatie

Veelgestelde vragen

Contact

Met de OOM Horecaverzekering bescherm je jouw gebouw, inventaris en goederen tegen risico’s zoals brand, inbraak en vandalisme. Je kiest daarbij zelf de dekking die bij jouw zaak past, basis, uitgebreid of extra uitgebreid, zodat je met vertrouwen kunt blijven ondernemen.

Voorwaarden van de OOM Horeca verzekering

Horeca-verzekering

Studeren

Reizen

Geen tiny house is hetzelfde. Met de OOM Combinatiepolis stel je eenvoudig zelf de verzekering voor jouw tiny house samen. Je kunt één of meer basismodules afsluiten en deze combineren met ons uitgebreide aanbod aanvullende module. Ontvang aantrekkelijke&nbsp;<a href="#" data-modal="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" title="Korting">korting</a> als je meerdere modules afsluit.

Stel zelf je verzekering samen

Tiny house verzekering (zakelijk)

Iedere ondernemer heeft andere wensen. Daarom stel je bij OOM je Wonen in het Buitenland verzekering zelf samen. Voor de ziektekostenverzekering kies je uit 3 dekkingen, die je kan uitbreiden met 8 aanvullende verzekeringen. &nbsp;

Stel zelf je verzekering samen

Voorwaarden van onze verzekering voor ondernemers

Ondernemers

aanvragen

Hulpcentrale

Klacht

Werken

Werken in het buitenland

Iedere expat heeft andere wensen. Daarom stel je bij OOM je Wonen in het Buitenland verzekering zelf samen. Voor de ziektekostenverzekering kies je uit 3 dekkingen. Daarnaast kun je de verzekering aanvullen met 8 aanvullende verzekeringen.

Voorwaarden van onze verzekering voor expats

Expats

Met de OOM Combinatiepolis stel je zelf eenvoudig de verzekering voor je vaste strandpaviljoen samen. Combineer een of meerdere basismodules met ons uitgebreide aanbod aanvullende modules. Ontvang aantrekkelijke <a href="#" data-modal="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" title="Korting">korting</a> als je meerdere modules afsluit.

Contact ons

Buitenland

Buitenland verzekeringen

Hulpcentrale 24/7 (SOS International)

ANWB Alarmcentrale

Objecten

Brand- en andere objectverzekeringen

Bankgegevens

Adresgegevens

Postadres en vestigingsadres

Buitenland

Object verzekeren

Noodgeval