Insurance requirements for studying in Netherlands as an exchange student or international intern
Insurance information for Netherlands
If you are going to study and live in The Netherlands, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.
Students from EU/EEA countries
Students from EU/EEA countries, who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance . EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country
Students from outside the EU/EEA
By law you must have health insurance covering all health costs for the duration of your stay in the Netherlands. This is not only needed to obtain a visa but also during; stay if you don’t have the right health insurance for your situation, you risk paying a heavy fine. If you need medical care while uninsured, you must pay the costs yourself.If you are in the Netherlands solely to study (you’re unemployed) and are not eligible for the European Health Insurance Card (EHIC), then you must arrange private health insurance.
Please note that if you decide to take a job, even a part time, your situation could change and you will need to apply for a mandatory Dutch Basiszorgverzekering (BZV). This applies to both EU and Non EU students.
No worries, we've got you covered. Together with our partner Aon, we are going to make sure you get the perfect insurance package. Your study abroad adventure will be awesome, but insured for all risks, including health care.
Is this enough?
It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:
- (Additional) medical costs
- Repatriation
- Liability
- Home contents and baggage
- Accidents
- Legal aid
- Worldwide cover
You will need an insurance policy also covering, but also arranging for you, for example:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
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Free quote from Aon
Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.
About Netherlands
The Netherlands is a highly sought-after study destination due to its excellent universities, high living standards, welcoming atmosphere, and reputation as one of the happiest and safest countries in the world. Moreover, the country is known for its innovative technologies and engineering solutions, offering a diverse range of Engineering degrees. Language barriers are minimal as English is spoken by approximately 90% of Dutch citizens. The prevalent cycling culture and well-developed bike lanes contribute to a healthy lifestyle, while international students can find various job opportunities and internships.
