Car

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Building

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Household

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Accident

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Legal aid/counsel

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

Liability

List of things that are insured:

1. Personal Liability (Homeowners or Renters Insurance)

  • Covers injuries to others or damage to their property that you or your family members cause.
  • Example: A guest slips and falls at your home, or your child accidentally breaks a neighbor's window.

2. Auto Liability Insurance

  • Covers damages or injuries you cause to others in a car accident.
  • Example: You rear-end another vehicle, causing damage to their car and injuring the driver.

3. Pet Liability Insurance

  • Covers damages or injuries your pet causes to others.
  • Example: Your dog bites a neighbor, or your cat damages someone's property.

4. Umbrella Liability Insurance

  • Provides additional coverage beyond the limits of your home or auto insurance policies.
  • Example: You are sued for a significant amount after an accident, and your auto insurance doesn't fully cover it.

5. Professional Liability Insurance (Errors & Omissions)

  • Covers claims made against you for errors or omissions in your professional work.
  • Example: A client sues you for negligence or mistakes in your work, resulting in financial loss.

6. Product Liability Insurance

  • Covers damages or injuries caused by a product you manufacture or sell.
  • Example: A product you sell causes injury to a customer, and they sue you for damages.

7. Landlord Liability Insurance

  • Covers liabilities associated with renting out property.
  • Example: A tenant or visitor is injured on your rental property due to a hazard you failed to address.

8. Tenant Liability Insurance

  • Covers damage to the rented property or injuries to others caused by the tenant.
  • Example: A fire starts in your apartment and spreads to other units, causing damage.

9. Watercraft Liability Insurance

  • Covers damage or injuries caused by your boat or other watercraft.
  • Example: You accidentally collide with another boat, causing injury to the other boat’s occupants.

10. Bicycle Liability Insurance

  • Covers damage or injuries caused by your bicycle.
  • Example: You accidentally run into a pedestrian while cycling, causing injury.

11. Cyber Liability Insurance

  • Covers liabilities related to data breaches or cyber attacks.
  • Example: A data breach occurs at your business, and customers’ personal information is compromised.

12. Personal Injury Liability Insurance

  • Covers claims for personal injuries like defamation, slander, or invasion of privacy.
  • Example: Someone sues you for making false statements that harm their reputation.

13. Liquor Liability Insurance

  • Covers liabilities associated with serving alcohol, particularly in businesses.
  • Example: A patron becomes intoxicated at your bar and causes an accident afterward, and you are held responsible.

Travel

List of things that are insured:

1. Travel Medical Insurance

  • Coverage: Non-emergency medical care abroad.
  • Why It’s Essential: Ensures you can receive medical treatment for non-emergency conditions, such as illnesses or minor injuries, while traveling without facing huge out-of-pocket expenses.

2. Luggage and Personal Effects Insurance

  • Coverage: Loss, theft, or damage of luggage and personal belongings.
  • Why It’s Essential: Protects your belongings during your trip, ensuring that you can be reimbursed for lost or damaged items, which can be costly and disruptive to your travel plans.

3. Trip Interruption/Cancellation Insurance

  • Coverage: Costs related to trip interruption or cancellation due to non-emergency medical issues.
  • Why It’s Essential: Provides financial protection if you need to cancel or cut short your trip due to a non-emergency health condition, helping you recover costs for unused portions of your trip.

Quotation Form

Non-life insurance policies
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A list with highlights

  • For people between 15 and 29 years of age
  • Policies available as from € 24.50 per month
  • Flexible duration from 1 day to 5 years
  • Choice of insurance cover: healthcare, dental care and/or  Insurance Package
  • With or without excess/deductible of € 150
  • No coverage of pre-existing conditions
  • policy terms and conditions
  • coverage summary

Private Student Health Insurance

As an international student, you will not be eligible to take out Dutch public basic health insurance, unless you have a (parttime) job and you pay income tax and social contributions in the Netherlands. LoonZorg offers student insurance packages of OOM Insurance for students, internationals that do an internship and earn less than the minimum salary in The Netherlands or work as an au pair.

Please note that for non-emergency care a referral from a GP is required. For medicines the requirement of a prescription applies. Also important to know is that the student policies do not cover pre-existing conditions. 

Student policies are private policies and that is why they are restitution policies. This means that the care providers will not be able to find you in the Dutch care system. Invoices will have to be paid for upfront by the insured and can be claimed via the My OOM portal. 

As soon as a student will start (part-time) working in the Netherlands (there is an exception for internship programs), the employer will pay contributions towards Social Security. From that moment on, the student is obliged to take out Dutch public health insurance. In this case LoonZorg will be happy to help you switch your policy package to the best priced public health insurance policy. 

What does the insurance cover?

With the OOM Studying in the Netherlands Insurance you can choose what to insure. SOS insurance is always included. This covers the costs of repatriation (return to the country of origin) or evacuation if treatment is not possible locally and cannot be postponed.

The following types of insurance can be taken out:

1. Health insurance

  • Choose either standard cover or extended cover
  • A maximum amount or a maximum number of treatments may apply
  • Choice of excess: € 0 or € 150
  • Dental costs following an accident up to € 500
  • Standard dental costs up to € 450 (up to age 17)

What is not covered by the insurance?

Not all medical expenses are covered by the health insurance. Please check the policy conditions. For example, there is no reimbursement for:

  • pregnancy if you were already pregnant before you took out insurance, including in case of miscarriage or other complications
  • preventative medicine, chiropractor or manual therapist

2. Dental cover (18 years and above)

The OOM Dental Cover can be added to your healthcare insurance for standard dental costs up to € 350. No excess is charged for this extra cover.

3. Package insurance

A package with cover for:

  • household contents (up to € 5,000)
  • personal liability (up to € 1,250,000, no cover for damage to items such as those you are renting or leasing)
  • travel (excess of € 125 in the event of theft, loss or damage to luggage)
  • legal assistance (for claims over € 450)
  • accidents (payment on death € 10,000; on permanent disability up to € 75,000).

What is not covered by the package insurance?

The OOM Studying in the Netherlands Insurance Package does not reimburse all costs. Please bear in mind that:

  • household contents cover is only for the stated address in the Netherlands
  • legal assistance will not be received for events you were already aware of before taking out the insurance

REGISTRATION FORM STUDENTS

For registration of the student insurance, please click on following link and fill out the online form:

Registration OOM student insurance

In line with article 86f of the resolution on conduct supervision of financial entities (Bgfo), law on Supervision of Financial Entities (Wft), please be informed that LoonZorg does not charge any amount to the insured for the services provided. LoonZorg receives a compensation from insurance companies for the rendered services. This means that the monthly premium of the insurance policies are not affected by the LoonZorg services.