If your existing health insurance does not cover all the important factors mentioned above, you should take out an international student insurance policy from a Dutch insurer. We highly recommend the ICS Complete+  package from Aon, as this covers pre-existing conditions, personal liability, mental health care up to 3000 euro per year, household contents, repatriation and legal advice. 

For more information on Dutch healthcare visit the wbsite of StudyinNL

AON student webinars

Before the start of each semester, AON holds free online webinars for international students coming to the Netherlands. Advance registration is required. You can register for the webinars via the links below:

• For EU/EEA students
  • 13 January 2025 from 11.00 till 12.00 CET 
• For non EU/EEA students
  • 13 January 2025 from 14.00 till 15.00 CET

Many EU nationals* may be covered for a temporary stay in the Netherlands by their home country’s health insurance scheme. However, we generally recommend that you also take out an international student policy as described above. This is because:

• some EU countries do not offer coverage if you are studying abroad;
• in some cases, there may be a limit on the length of time you are covered;
• the level of coverage might be lower than you anticipate.

Be aware that conditions of coverage are generally not stated on EU health insurance cards, therefore you must check the details with your home country’s insurance scheme in advance. Remember to request your EU health insurance card (E111) well in advance and bring it along with you.

Reimbursements
EU health insurance card holders can ask Zilveren Kruis insurance company for assistance in requesting reimbursements via this form.

*From 1 January 2021 onwards, UK nationals are no longer covered by the EU health insurance scheme (E111).

Many home-country insurance policies do not offer sufficient coverage for medical costs incurred during a period of study abroad. Therefore we strongly advise that you take out an international student insurance policy instead, as mentioned above. If you do want to use a home-country insurance policy, check carefully that it covers all the important factors listed above, such as pre-existing medical conditions. Remember to bring your policy along with you to the Netherlands.

If you decide to work alongside your studies, you must take out Dutch public health insurance. This is also the case if you do an internship for which you receive at least Dutch minimum wage*. Make sure you have Dutch public health insurance on the day you start your job or paid internship. Failure to do so can result in a hefty fine. See the Study in Holland website for details. If you already have international student insurance via AON, they can arrange your switch to Dutch public health insurance. 

*You can find more information about the Dutch minimum wage for your age and situation on the website of the government (in Dutch).