WHAT CAN BE INSURED 

The Young Global Traveler insurance of OOM Global Care N.V. offers you the certainty that you will quickly get professional aid in case of illness or an accident. The Young Global Traveler is a flexible insurance, at which you can choose from various coverages. And it is no problem if you want to travel or do a holiday job next to your studies or work as an au pair.

Who can close the Young Global Traveler
What can be insured
Duration of insurance
Extension
Cover area


Who can close the Young Global Traveler
You can close the Young Global Traveler insurance if you are a student or au pair, did not yet reach the age of 30 years and are coming from abroad to the Netherlands. You can insure only 1 person per policy. In all other cases we offer the Global Visitor insurance.

What can be insured

• Medical costs (including cover for war and kindred risk)
• SOS (including cover for war and kindred risk)
• Insurance package (travel, home contents, accident, legal assistence and liability)
   

Medical costs 

It is important that you are well insured for medical costs during your stay in the Netherlands. After all your health is very valuable. Furthermore you don't want to be confronted with high costs or incomprehensive treatments when you get ill or have an accident. In case of admission to a hospital we will supervise the whole treatment process. And if necessary we will take care of the repatriation to your home land or another hospital where the necessary aid is available. The Young Global Traveler Health insurance should not be missing in your luggage.

War and kindred risk: standard are covered the medical costs resulting from armed conflict, civil war, uprising, domestic riots, revolt and mutiny (on a mutual basis).

You have the choice between:
Standard cover: provides cover for the most important medical costs such as costs of general practitioner, admission to a hospital and dental treatment resulting from an accident. Furthermore are insured repatriation, transportation of the body, tracing and rescue. Therefore you don't have to close the SOS insurance
Extensive cover: in addition to the standard cover, provides cover for the costs of pregnancy and delivery (after a waiting period of 12 months) and medical costs concerning fertility (maximized) among others. Furthermore are insured the costs of psychotherapist, psychiatrist, second opinion, preventative medicine, artificial limbs and aids, alternative treatment and tests, orthodontic and dental treatment. For some treatments applies a maximum reimbursement or a maximum amount of treatments.
Own risk: with the standard cover as well as with the extensive cover an own risk is applicable per insurance year or, if shorter, per insurance period. You have the choice between an own risk of € 250, € 500 or € 1,000. It is not possible to close the insurance without any own risk or with another amount. The higher the own risk, the lower the premium.

Dependent on what country you are from and if you are going to work next to your studies or differently from your work as an au pair, you either do or don't have a Dutch national health insurance. When you exclusively come for your studies to the Netherlands, you are in any case not entitled to the Dutch national health insurance.  If you don't want to be confronted with the insecurity of not being covered, we recommend you to close the Young Global Traveler Health insurance. Besides, you then also have cover for SOS. If after all it proves to be possible for you to close the Dutch national health insurance, you can easily terminate your  Young Global Traveler insurance. 

Summary of cover

SOS insurance

When you get severely ill in the Netherlands (or during a temporary stay outside the Netherlands) or need an operation after an accident that cannot be performed on the spot and cannot be postponed, it is important for you to be repatriated to a hospital where sufficient aid is available, or to your home land. The SOS insurance covers the costs of such a repatriation. Also the costs for returning to your address in the Netherlands are covered. Also are covered the costs of tracing and rescue, transportation of the dead body and the coming over of 1 person in case of a life-threatening illness or death of the insured. The SOS insurance will cost you € 48.48 per year.

War and kindred risk: standard are covered the SOS costs resulting from armed conflict, civil war, uprising, domestic riots, revolt and mutiny (on a mutual basis).

If you close the Health insurance, you don't have to close the SOS insurance, because the cover of SOS is included in the health insurance.

Insurance package 

With the insurance package we offer you a travel, home contents, accident, legal assistence and liability insurance for a premium of € 180 per year (exclusive of € 5.63 insurance premium tax). This is only € 0.51 per day!

Travel insurance
You have cover for claims resulting from theft, loss or damage of your travel luggage including valuables. You also have cover for contingencies (under which return to your home country in case of illness, accident or death of family members in the first or second degree who do not travel with you and the reimbursement of the costs of loss or theft of your passport). For luggage damage an own risk of € 125 shall be applicable per occurrence.

Home contents insurance
If you have a permanent address in the Netherlands and reported the risk address to us, you have cover for damage to the home contents on that address in case of among others fire, storm and burglary. This insurance is a first loss insurance, meaning that the actual damage will be compensated up to a maximum of € 5,000. There can be no under-insurance. The own risk amounts to € 250 per occurrence.

Accident insurance
An accident often is a personal drama, certainly when somebody dies or becomes permanently disabled. An accident insurance in any case gives you the certainty of a once-only benefit to you or your beneficiairies. A benefit will be granted when you die as a result of an accident (category A) or if you become permanently disabled (category B).
Category A: insured amount is € 10,000
Category B: insured amount is € 75,000
With an accident during riding a motor bike or motor scooter of 50 cc or more (driver and passenger) only a benefit of a maximum of 25% of the insured amount will be granted. If you didn't wear a helmet, the benefit is maximum 10%.

Legal assistence insurance
At the most unexpected moments you can be confronted with extreme legal expenses. For instance because there is a conflict on a contract, or because you want to hold someone liable. This insurance will give you cover for the costs of recovery of damage, criminal proceedings and agreements up till a maximum of € 12,500. Also a security sum can be provided of a maximum of € 12,500. The interest should at least be € 450.

Liability insurance for private persons
Accidents will happen. It happens just like that: accidentilly cause damage to someone or to someones goods. If you are held liable for this, the liability insurance gives you the certainty that you don't have to pay for all the costs youself. You are covered for damage to persons and damage to goods that you caused in your capacity as a private person. Furthermore a provision of security is possible up to a maximum amount of € 125,000. The maximum insured amount is € 1,250,000 per occurrence.
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Duration of insurance
You can close the insurance for a period of a maximum of 5 years. This also counts when you already reached 29 years of age. You can then close the insurance until you are 34 years of age. We advice you not to choose a period to short. In case you return home early or if you want to terminate the policy for another reason, this can easily be done by sending us an email, fax or letter. Your insurance can be terminated immediately. We will refund already paid premium. 
Anyway you can also apply for the insurance if you are already staying in the Netherlands.

Extension
Extension is possible once-only for a period of a maximum of 30 days, as long as the total period of 5 years of insurance will not be exceeded. When extending the health insurance, the at that moment excisting ailments and complaints are excluded. An extension has to be applied for in writing (post, mail, fax) before the termination date of the insurance.

Cover area
Your insurance gives cover in the Netherlands. During intermediate stay abroad, for instance for a holiday or family visit, you have cover there during a maximum of 30 days.

On-line premium proposal and on-line applying insurance
The Young Global Traveler insurance can easily be applied for on-line. We guarantee that you will receive a confirmation of acceptance within 2 working days if, when applying for a health insurance, there are no health problems. Moreover we will keep you informed through e-mail on the progress of your application.  Of course you can also make one or more noncommittal premium proposals first.