Health Insurance

​Before You Arrive​

Before coming to the Netherlands, make sure to check:​

• Whether your current insurance covers your entire stay abroad​
• What kind of medical costs are included​

Types of Health Insurance​

There are three main types of health insurance for students:​

1. European Health Insurance Card (EHIC)​

If you are from:​

• An EU country​
• Iceland, Liechtenstein, Norway, or Switzerland​
• You may be able to use your home country insurance through the EHIC.​
• You can apply for an EHIC for free via your local health authority check this link for details Applying for the European Health Insurance Card - Employment, Social Affairs and Inclusion​
• It covers basic and emergency healthcare​
• Important: EHIC may not cover all medical costs in the Netherlands. You may need additional insurance for full coverage.​
  
  

2. Private Health Insurance​​

You will need private health insurance if:​​

• You do not have an EHIC​​
• You are not working part-time in the Netherlands​​
• There are special insurance plans for international students.​​
• Recommended providers:​​
• INSURETOSTUDY
  
• AON Student Insurance.

3. Dutch Public Health Insurance

You are required to take out Dutch public health insurance if:​​

• You start a part-time job (regardless of hours or salary), or​​
• You earn more than the minimum wage​​
• Once this applies to you, you must arrange Dutch insurance immediately.​​
• You can choose any Dutch health insurance provider​​
• The basic insurance covers many standard healthcare costs​​
•  Important:​​
• Not everything is included in the basic package​​
• You may need extra coverage (for example, dental care)​​
• Always check with your insurer what is covered.​

Healthcare Allowance (Zorgtoeslag)​​

If you have Dutch public health insurance, you may be eligible for a healthcare allowance to help cover the costs.​​

Compare Insurance Options​​

You can compare different Dutch health insurance providers here:​​
Compare Health Insurances in the Netherlands​

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