What OOM Insurance does

OOM Verzekeringen is a privately held Dutch insurance group headquartered in Rijswijk and operating continuously since its founding on 16 July 1940. The company specialises in 'bijzondere risico's' (unusual risks) and cross-border coverage, organised across three licensed entities under OOM Holding N.V.: OOM Global Care N.V. (cross-border private health), OOM Schadeverzekering N.V. (property and casualty), and O.O.M Onderlinge Molestverzekering-Maatschappij U.A. (a mutual insurer for war, terrorism, and civil unrest). Its core proposition is portable, Dutch-language coverage for Dutch nationals living, working, studying, or travelling abroad, paired with insurance for non-standard residential and commercial property in the Netherlands such as beach houses (strandhuisjes), houseboats, tiny houses, grave monuments, horeca establishments, food trucks, beach pavilions, and various niche commercial trades.

The product portfolio comprises roughly 30 modular offerings, anchored by three tiered international health plans (Wonen in het Buitenland, Tijdelijk in het Buitenland, and Studeren in het Buitenland) plus Schengen Visitor entry coverage, and a property catalogue that includes the OOM Combinatiepolis, Strandhuisjes, Woonboot, Horeca, Foodtruck, and several industry-specific lines. Technology is described as standard insurance-operations software, an online quote and policy-management platform (Mijn OOM), a separate advisor portal (OOM Tussenpersonenportaal), and partially automated application workflows with rule-based fraud and risk scoring on high-volume entry-level products; no proprietary AI/ML stack is in use.

OOM generates revenue through recurring annual or short-term insurance premiums priced by individual risk profile, with selectable deductibles and modular add-ons (dental, travel, cancellation, liability, contents, legal, accident, SOS). Distribution is hybrid: a self-serve direct-to-consumer website supported by a 24/7 Dutch-language emergency hotline, and a Dutch independent-advisor (tussenpersonen) channel managed by three named account managers. Key outsourced partners include SOS International (assistance coordination), Unigarant (claims processing for liability, travel, cancellation, accident, and contents), and ARAG (legal-expenses claims). Leadership comprises Algemeen Directeur Edwin Kreikamp and Financieel Directeur René Aertssen, with 11-50 employees overall.

Name

OOM Insurance

Legal name

OOM Verzekeringen (Operating under OOM Global Care N.V., OOM Schadeverzekering N.V., O.O.M Onderlinge Molestverzekering-Maatschappij U.A., and OOM Holding N.V.)

Website

https://oomverzekeringen.nl

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

11–50 employees

Short description

OOM Verzekeringen is a privately held Dutch insurer, founded 1940, specialising in cross-border health coverage for Dutch expats and insurance for non-standard properties (beach houses, houseboats, tiny houses, niche commercial risks) in the Netherlands, distributed via a self-serve portal and an independent-advisor network.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)

akta.pro primary industry

Travel AD&D / Common Carrier Accidental Death Insurance (FSAIALAD)

akta.pro secondary industries

Professional Liability (E&O) (FSAJAGAC), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH)

Keywords

• Specialty insurance
• International health insurance
• Unusual risk coverage
• Expat insurance
• Non-standard property insurance

Headquarters

HQ city

Rijswijk

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premium Revenue: OOM Insurance generates revenue through recurring insurance premiums paid by policyholders. Customers choose from modular insurance products covering health costs abroad, travel, household contents, liability, legal expenses, accidents, SOS/emergency, and property objects. Premiums vary by product type, coverage level, deductible chosen, and geographic scope. Policies are offered on annual (auto-renewing) or short-term/temporary terms.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

OOM Insurance (OOM Verzekeringen) is a Dutch specialty insurer founded in 1940 that sells modular insurance products in two main areas: (1) international health and supplementary coverage for Dutch nationals living, working, studying, or traveling abroad (and for foreigners coming to the Netherlands), and (2) property and casualty insurance for unusual or non-standard objects (beach houses, houseboats, tiny houses, horeca, food trucks, funeral monuments, business multi-tenant buildings, and similar atypical risks). Policies are sold both directly online via the Mijn OOM portal and through a network of independent Dutch insurance advisors.

Product overview

OOM Insurance (OOM Verzekeringen) is a Dutch insurance company specializing in unusual risks and international health insurance. Founded in 1940, the company offers a comprehensive portfolio organized around two main categories: (1) Foreign living and travel insurance products including Wonen in het Buitenland (Living Abroad), Tijdelijk in het Buitenland (Temporary Abroad), Studeren in het Buitenland (Study Abroad), and various supplementary coverages (dental, travel, cancellation, liability, contents, legal, accident, SOS); and (2) Special object insurance including the OOM Combinatiepolis (Combined Policy), Strandhuisjes (Beach Houses), Grafmonumenten (Grave Monuments), Horeca, Woonboot (Houseboat), Tiny House, Foodtruck, and other niche business insurance products. The company operates as a platform offering modular, customizable insurance solutions with both base modules and supplementary add-ons.

Differentiator

Problem solved

Functional benefit

Products and services

• Wonen in het Buitenland Verzekering (Living Abroad Health Insurance) Health insurance for Dutch nationals living abroad, offering customizable coverage with three tiers (Regular, Comfort, DeLuxe) and up to 8 supplementary insurance options (dental, travel, cancellation, liability, contents, legal expenses, accident, SOS). Deductibles from €500 to €5,000. Five geographic regions available.
• Tijdelijk in het Buitenland Verzekering (Temporary Abroad Insurance) Temporary health insurance for Dutch residents abroad for up to 2 years, with three coverage tiers (Light, Regular, Comfort) and 5 regional options, plus optional add-ons including dental, travel, cancellation, liability, contents, legal, and accident.
• Studeren in het Buitenland Verzekering (Study Abroad Insurance) Insurance for Dutch students studying abroad, providing worldwide health coverage and protection for personal belongings, targeted at students aged 15-29.
• Schengen Visitor Verzekering Short-term visitor insurance for travelers passing through the Netherlands (e.g., to obtain an MVV), covering medical costs up to €500,000 from €1.75 per day, with no medical acceptance required.
• Studeren in Nederland Verzekering (Studying in the Netherlands Insurance) Insurance for international students studying in the Netherlands, covering medical costs, dental care, and damage to belongings.
• Au Pair in Nederland Verzekering Insurance for au pairs working in the Netherlands, covering medical costs and potential damage during their placement.
• Voorlopig Verblijf Nederland Verzekering Insurance for Dutch nationals temporarily returning to the Netherlands or for those waiting for residence permits, covering up to 12 months.
• Backpackers Verzekering Worldwide health and damage insurance for backpackers and digital nomads on extended trips.
• Digital Nomads Verzekering Flexible insurance for digital nomads, covering worldwide health costs with customizable regional options.
• Vrijwilligers Verzekering (Volunteer Work Insurance) Volunteer work insurance for those volunteering abroad, with customizable coverage including health, travel, and liability.
• Au Pairs Verzekering Au pair insurance covering health costs abroad with supplementary options for contents, liability, and travel.
• OOM Combinatiepolis (Combined Policy) Combined insurance policy for businesses and special objects, covering damage from fire, theft, vandalism, and storm with modular coverage options.
• Strandhuisjes Verzekering (Beach House Insurance) Beach house insurance for private use covering damage from seawater, storm, fire, and theft, with coverage on the beach and in winter storage. Priced at 7.5 per mille (0.75%) of insured amount plus 21% assurance tax; €250 deductible per event.
• Grafmonumenten Verzekering (Grave Monument Insurance) Grave monument insurance protecting against storm damage, theft, and vandalism, covering monuments up to 5 years old with 10-year coverage.
• Horeca Verzekering (Hospitality Insurance) Hospitality insurance covering buildings, inventory, and goods with base modules for fire, theft, and vandalism, expandable with additional modules.
• Achtergebleven Woonhuis Verzekering (Left-Behind Home Insurance) Left-behind home insurance for Dutch residents leaving for abroad or those with vacant properties, covering fire, storm, and theft damage. Includes a Rechtsbijstand (legal expenses) module provided by ARAG.
• Woonboot Verzekering (Houseboat Insurance) Houseboat insurance covering unique water-related risks including waves, mooring damage, and water intrusion, with coverage up to €2.3 million.
• Tiny House Verzekering Tiny house insurance for non-standard residential structures, covering damage from fire, storm, theft, and other risks.
• Foodtruck Verzekering Mobile food business insurance covering vehicles and equipment against various risks.
• Strandpaviljoen Verzekering (Beach Pavilion Insurance) Beach pavilion insurance for seasonal or permanent structures, covering fire and other damages.
• Recreatiewoning Verzekering (Vacation Home Insurance) Vacation home insurance for holiday properties, covering damage from fire, theft and other risks.
• Bedrijfsverzamelgebouw Verzekering (Business Multi-Tenant Building Insurance) Business multi-tenant building insurance covering financial consequences of damage to commercial properties.
• Coffeeshop Verzekering Specialized insurance for coffee shops covering risks like burglary, fire, and vandalism.
• Clubgebouw Verzekering (Sports Club Building Insurance) Sports club building insurance providing coverage for damage from fire, theft, and other risks.
• Garagebedrijf Verzekering (Garage Business Insurance) Garage business insurance providing certainty and protection for automotive businesses.
• Pallethandel Verzekering (Pallet Trading Business Insurance) Pallet trading business insurance covering inventory and transport against fire, theft, and storm damage.
• Recycling Verzekering Recycling business insurance covering inventory, business premises, and equipment against various risks.

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• SOS InternationalcoreTechnology or IntegrationSOS International performs outsourced operational work on behalf of OOM Verzekeringen, including assistance coordination services for policyholders abroad. OOM remains responsible for data handling by this third party and maintains contractual, technical, and organizational measures to protect customer data.
• UnigarantminorImplementation/ SI/ Consulting PartnerUnigarant handles claims processing for OOM's liability (particuliere aansprakelijkheid), travel, cancellation, accident, and household contents insurance products. This is an operational outsourcing arrangement for claims administration.
• ARAGcoreImplementation/ SI/ Consulting PartnerARAG is OOM's legal expenses insurance partner, handling all legal expenses claims and legal assistance evaluations for OOM policyholders. ARAG assesses whether requested legal aid falls under the policy coverage and provides legal services on behalf of OOM. ARAG is also the legal provider for the Achtergebleven Woonhuis rechtsbijstand (legal expenses) module.
• Stichting CIS (Centraal Informatie Systeem)minorOthersStichting CIS is a Dutch industry-wide fraud and risk information sharing system managed by insurance companies operating in the Netherlands. OOM consults and registers data in CIS as part of its fraud detection, risk assessment, and fraud prevention policy.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• De Goudse Verzekeringen: Dutch mid-market insurer with notable specialty and niche product offerings, including non-standard risks. Comparable to OOM's positioning as a Dutch specialist for unusual P&C and specialty insurance.
• Cigna Global Health: International health insurer serving globally mobile individuals including expats. Directly comparable to OOM's cross-border health products (Wonen in het Buitenland, Tijdelijk in het Buitenland) targeting Dutch nationals abroad.
• Allianz Care: International health and travel insurance provider for expats and global professionals. Closely overlaps with OOM's international health, travel, and Schengen-style visitor products across multiple geographic zones.
• Bupa Global: Provider of international private medical insurance for individuals living and working abroad. Competes head-to-head with OOM in the Dutch expat and emigrant health insurance category.
• IMG (International Medical Group): Specialist in international travel and expatriate health insurance including Schengen-compliant visitor plans. Directly competes with OOM's Schengen Visitor and Tijdelijk in het Buitenland offerings.
• World Nomads: Travel insurance built for backpackers and adventure travelers. Overlaps with OOM's Backpackers Verzekering, Digital Nomads, and Reisverzekering add-on in the travel insurance category.

Emerging players

• SafetyWing: Digital-first insurtech offering travel and nomad health insurance for globally mobile workers. Comparable to OOM's Backpackers, Digital Nomads, and Tijdelijk in het Buitenland products, with a modern app-led experience.

Broad incumbents

• Hiscox: International specialty insurer focused on niche and non-standard commercial and personal risks. Conceptually comparable to OOM's bijzondere risico's strategy of underwriting what mainstream insurers decline.
• Nationale-Nederlanden: Large Dutch incumbent insurer offering health, life, and P&C. Overlaps with OOM in Dutch health insurance, life, and property lines, but as a broad portfolio player rather than a specialist.
• ASR Nederland: Major Dutch insurance group covering life, health, and P&C. Competes broadly with OOM's Dutch property and health offerings, though with a mass-market rather than specialty focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/oomverzekering

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OOM Insurance