Everyone residing in the Netherlands is required by law to have valid health insurance, so you will need to be properly insured by an internationally recognized insurance agency. International students are not automatically ensured. There are various types of health insurance: the kind of health insurance that will apply to you will depend on various factors, including your country of origin, age, whether you are employed in the Netherlands and the duration of your stay. Check out this flowchart on healthcare insurance for international students in the Netherlands to find out which health insurance you most likely need.
Dutch Public Health Care Insurance
You are obligated to take out Dutch public healthcare insurance if you:
- Are over 30 years old and your stay in the Netherlands is not temporary, or
- Have a (part-time) job or paid internship in the Netherlands, or
- Are a PhD Scholarship student, participating in the PhD Scholarship Programme
If you’re required to take out Dutch public health insurance, you may also be eligible for zorgtoeslag (health care benefits). Check the Belastingdienst page for more information.
Consult Zorgwijzer for an overview of the different basic health insurances available. The website compares different insurances, including what they cover and what they cost. Please note: Dutch healthcare insurance covers the cost of basic medical care (the so-called basisverzekering). It does not include liability insurance, home insurance, or travel insurance. You can take out an additional insurance package at AON for these.
EU Health Insurance Card (EHIC)
If you don’t qualify for Dutch Health Insurance and you come from somewhere in the EU, you can use an EU Health Insurance Card (EHIC). You can get the EHIC from your own insurance company in your home country if you are insured under a national health service. With the EHIC, you will not have to pay for treatments that are free for local residents in the Netherlands, and you may be eligible for reimbursements. This insurance does not, however, cover liability insurance, home insurance, or travel insurance. You can take out an additional insurance package at AON for these.
Private Health Care Insurance
If you are a non-EU/EEA student, you will need to take out Private Health Care insurance. Please check what your insurance company covers, and how much coverage you have during your time in the Netherlands. If your health insurance doesn’t cover your stay in the Netherlands, you can apply for private health care insurance through AON or IPS online. These insurances do include liability-, home insurance and travel insurance.
The number to call in an emergency or life-threatening situation in the Netherlands is 112. Dialling this number will put you in touch with police, firemen, and health practitioners.
For non-emergency related police matters, call 0900-8844 (with a Dutch phone number) or 31-34 357 8844 (with a non-Dutch phone number).
General Practitioner (Huisarts)
In the Netherlands, the General Practitioner (GP) or family doctor is your first point of contact. Be sure to sign up with a GP as soon as possible – don’t wait until you are sick - because you need to be registered with a GP before you can make an appointment.
Ten Ways the Dutch Health Service may be Different from What You Know:
- The Dutch emergency services number is 112.
- Health care insurance is mandatory in the Netherlands.
- You may not go directly to the hospital unless it’s an emergency.
- You must always make an appointment before you go to a GP practice.
- If you need a specialist, you must get a referral letter from your GP first. Remember to make a copy of this referral letter for your insurance company.
- You must take your health insurance card with you when you visit a GP, dentist, hospital or pharmacy.
- Dentistry is not covered by basic Dutch health insurance policies.
- There is a distinct difference between what a pharmacy (apotheek) and a drugstore/chemist (drogist) sells.
- Dutch doctors have a professional code that forbids them from passing on information about their patients, even to the authorities.
- You can get anonymous tests, treatments and vaccinations via the GGD.
If you urgently need the help of a GP at night, during the weekend or on a public holiday, you should call the Out-of-hours Medical Services, Huisartsen spoedpost Groningen: https://www.doktersdienstgroningen.nl. With a Dutch phone number: 0900-9229 and with a non-Dutch phone number: +31 88 - 330 1300. (Out-of-hours: 17:00-08:00 hrs and during the weekend).
Dental- and oral medicine is privatised in the Netherlands and is generally not covered by basic insurance policies. Be sure to check if dentistry is covered by your insurance package; if it is, make sure to keep your receipt so you can get a refund from your insurance company.
Hospitals and Emergencies
In the Netherlands, hospital visits are reserved for emergency situations and specialist care. Unless you need emergency care, always contact your GP first. Your GP will refer you to a specialist if required. Emergency rooms are expensive, and hospitals will send you back to your GP if your situation is not life-threatening.
If there is an emergency or a life-threatening situation, call 112, the emergency services number. The operator will contact the police, fire station, or hospital for you. Every hospital has an EHBO or Eerste Hulp (First Aid) area for accidents and emergencies. Always remember to take your health insurance card with you.
Groningen has two hospitals:
In the Netherlands, there’s a distinct difference between what a pharmacy (apotheek) and a drugstore/chemist (drogist) sell. You’ll find toiletries and medicines for minor complaints, such as headaches, at a drugstore/chemist. If you receive a prescription for medicine from your doctor or specialist, you must take this to an apotheek. You need to register with your local apotheek, in the same way you need to register with your GP. Each area in the city has at least one apotheek with regular office hours. The central apotheek opposite the main entrance of the UMCG is open 24 hours a day. Please note that not all medication can be brought into the Netherlands. The Dutch embassy in your country will be able to tell you whether you need a medical certificate for your medication.
Vaccinations, tests and anonymous treatment
You can find out more about health-related topics at the Public Health Department (Gemeenshappelijke Gezondheidsdienst or GGD). They also perform vaccinations and tests for diseases. Please note that you have the option to remain anonymous if you visit the GGD. If you come from a high-risk area, you will be required to take a test for tuberculosis at the GGD as a precondition for obtaining your residence permit. A second test is not compulsory, though highly recommended by the GGD.
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.
>EU Health Insurance Card
You can get an EU Health Insurance Card (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.
>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 have a (part-time) job or paid internship in the Netherlands.
- 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.
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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.
Are you an international student? Please visit our pages for internationals.
|Laatst gewijzigd:||05 december 2019 10:55|