Amsterdam University of Applied Sciences

Health Insurance

Medical expenses are high in the Netherlands and therefore it is important you are correctly insured.

WHICH PLAN DO I NEED TO TAKE?

It is mandatory under Dutch Law that you have a health insurance that has coverage in the Netherlands. A travel insurance alone does not offer sufficient coverage for your study period in the Netherlands. It depends on whether you will work or do an paid internship alongside your studies and sometimes your nationality which health insurance plan applies best to your needs. See below for more information to which options you can choose.

STUDY PURPPOSES ONLY

If you come here for study purposes and do not work or do an paid internship alongside your studies there are several options you can choose based on your nationality:

There are three possible options for health insurance, please read them all carefully:

  1. EUROPEAN HEALTH INSURANCE CARD (EHIC):
    If you do not plan to work alongside your studies you can obtain an European Health Insurance Card and your home country’s insurance will cover your medical costs. EHIC has coverage for the most basic and emergency health care costs. Read more information on EHIC here.

  2. PRIVATE HEALTH INSURANCE FOR INTERNATIONAL STUDENTS:
    If you do not plan to work along your studies you can take out private health insurance particularly intended for international students. This insurance must cover medical expenses (without a limit), urgent dental treatments, psychological care. Third party liability is strongly advised in addition to the requirements mentioned before. We advise AON Insurance since their plan meets all requirements. Go to Aon Insurance to take out their plan.

  3. HEALTH INSURANCE FROM YOUR HOME COUNTRY:
    Check whether your health insurance from your home country covers the Netherlands and the Schengen area. This must cover medical expenses (without a limit), urgent dental treatment and psychological care. Third party liability is strongly advised in addition to the requirements mentioned before. Please contact your insurance company to find out the specific conditions of your current plan.

There are two possible options for health insurance, please read them all carefully:

  1. PRIVATE HEALTH INSURANCE FOR INTERNATIONAL STUDENTS:
    If you do not plan to work along your studies you can take out private health insurance particularly intended for international students. This insurance must cover medical expenses (without a limit), urgent dental treatment and psychological care. Third party liability is strongly advised in addition to the requirements mentioned before. We advise AON Insurance since their plan meets all requirements. Go to Aon Insurance to take out their plan.
  2. HEALTH INSURANCE FROM YOUR HOME COUNTRY:
    Check whether your health insurance from your home country covers the Netherlands and the Schengen area. It must cover medical expenses (without a limit), urgent dental treatment and psychological care. Third party liability is strongly advised in addition to the requirements mentioned before. Please contact your insurance company to find out the specific conditions of your current plan. In a lot of cases your health insurance from your home country does not cover all requirements.

Student with the Dutch Nationality need to take out health insurance plan from a Dutch insurance company. More general information about insurance can be found on the following page: General information about insurance for Dutch Students (in Dutch).

STUDY AND WORK

From the moment you start a part time job you will need to take out a Dutch public health insurance. You cannot take any other insurance policy. Check our page about Dutch public health insurance for more info.

If you will work as an entrepreneur and thus on a self-employed basis, please contact the SVB, a governmental insurance organisation and request assessment to see whether you need to take out a Dutch public health insurance or not. This assessment will check your ‘Wlz position’. Please use this link to request the assessment. If you do need to take out Dutch public health insurance go to this page for more information. If you don’t need to take out Dutch public health insurance please select an option under ‘study purposes only’ on this page.

STUDY AND INTERNSHIP

If you do a paid internship during your studies it depends on the amount of money you receive whether you need to take out private health insurance. If you receive more than the minimum wage in the Netherlands you do need to take out Dutch public health insurance. If you earn less than the minimum wage you are not allowed to take out Dutch Public Health Insurance and you need to select an health insurance option under ‘study purposes only’ on this page.

If you are not sure if you make more than the minimum wage you can ask for a free assessment here .

Published by  Student Affairs 8 September 2020