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

  • Available for people that need a temporary health coverage and are not employed in The Netherlands
  • This policy applies to all Schengen countries
  • Cover up to € 500,000
  • Meets the Schengen visa requirements
  • Policies available as from € 1.60 per day
  • A supplement for personal liability (third party) in The Netherlands can be added
  • This policy can be taken out for a maximum of 6 months (3 months for people aged 80 or above)
  • No coverage of pre-existing conditions
  • policy terms and conditions
  • coverage summary

Private Schengen Visitor policy

Especially for people that:

  • Temporarily visit The Netherlands or other Schengen countries; 
  • People that do not contribute to the Dutch Social Security and need cover for unexpected medical expenses;
  • People that have a ‘Zoekjaar Visa’

LoonZorg offers insurance packages of OOM Insurance. 
These policies offer a coverage for care and/or treatments provided by the general practitioner (GP)/family doctor or public hospital. On top of this coverage the policies can offer a coverage for (emergency-) dental care, physiotherapy and psychological care.

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 these policies do not cover pre-existing conditions. 

The temporary 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 people will start (part-time) working in the Netherlands, the employer will pay contributions towards Social Security. From that moment on, people are 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. 

Registration private Schengen Visitor policy

For registration of the private Schengen visitor policy, please click on following link and fill out the online form:

Registration private Schengen visitor policy

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.