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Health insurance for students

The Netherlands has a high standard of medical care. To make sure every student is able to get the medical care they need, it is mandatory for international students in the Netherlands to have health insurance International students are not automatically insured, so they must arrange their own insurance. What kind of health insurance applies to you depends on your country of origin, age, the length of your stay and whether you have a job in the Netherlands as well as studying.

>Be sure to be informed about how the healthcare system in the Netherlands works
> Questions about health insurance? Contact the ISD .

>Check which type of Health Insurance you need

>EU Health Insurance Card


You can get an EU Health Insurance Card (EHIC) from your insurance company in your own country if you live in a EU country. Get an EHIC If you are insured under a national health service and you are going to be staying abroad.

>Private Health Care Insurance


Insurance specially designed for international students.

What kind of health insurance do I need?

You can use this flowchart to find out what kind of health insurance you will need. Alternatively, you can find the relevant information on this page.

The first thing you need to know is if you are obligated to take out Dutch basic Health Care insurance policy (also known as Dutch public insurance) .

You are obligated to take out Dutch public insurance if:

•     You are over 30 years old and your stay in the Netherlands is not temporary (Generally, if your stay lasts longer than a year it is not temporary).
or
•    You have a (part-time) job or paid internship in the Netherlands.
or
•    you are a PhD Scholarship student, participating in the PhD Scholarship Programme .

If one or more of the above applies to you, you’ll need to apply for Dutch public health insurance . Please note that the basic Health Care insurance policy does not include liability insurance, household contents insurance or luggage insurance. It is possible to apply for additional insurance at AON . We strongly recommend that you do so. If you need to take out public health insurance you may be eligible for health care allowance (zorgtoeslag).

If none of the above applies to you, you cannot take out Dutch public health insurance. You will need either private insurance or an EU Health insurance card, depending on if you’re an EU student or not.

EU Health Insurance Card

If you are an EU student and you do not qualify for Dutch public health insurance, you can use a EU Health Insurance Card (EHIC) in the Netherlands.

You can get your EHIC from your insurance company in your own country if you are insured under a national health service and you are going to be staying abroad. With the EHIC you will continue to be covered by the insurance in your home country.

Refund medical costs with EHIC

You will not have to pay for treatment if the treatment is free for local residents. In the Netherlands, this includes consultations at a General Practitioner.

Sometimes, you do have to pay for medical treatment. In that case, you are are eligible for reimbursement . You do not have to send the invoices to your own insurance company in your home country. Send the invoices for medical treatment in the Netherlands to Zilveren Kruis (a Dutch health insurance company) with a copy of your EHIC, as well as your address and bank account number, in order to receive a refund of the costs. EHIC reimburses only medical costs. Follow-up treatment and rehabilitation are excluded from coverage.

Zilveren Kruis
Groep Buitenlands Recht
Postbus 650
7300 AR APELDOORN

Additional insurance package

The EHIC insurance does not include liability insurance, household contents insurance or luggage insurance. At AON you will be able to take out this additional insurance package; we strongly recommend that you do so.

Private Health Care Insurance

Non-EU/EEA students will need to take out a private Health Care insurance. It is possible that the health insurance you currently have will cover you during your stay in the Netherlands. Be sure to check with your insurance company whether you’re covered, and exactly how much coverage you have during your stay.

If your insurance company does not cover you during your stay in the Netherlands, you can apply for private insurance through Aon or IPS . The private Health Care insurances from Aon and IPS have the most extensive coverage and you can pay monthly (approx. € 40 per month). These insurances also include liability insurance, household contents insurance, and luggage insurance. You can apply online.

Last modified:22 August 2017 3.05 p.m.