As a non-Dutch student, you are required to have health insurance if you live and study in the Netherlands. You are required to have Dutch insurance if you start working for a Dutch employer, only then can you apply for the health allowance. If you do not work, it is not possible to have Dutch insurance, and you also cannot apply for the health allowance. In this scenario, you then need to be insured either by a policy in your home country or by an insurance policy like AON student insurance. Here are five different scenarios that could determine what type of insurance you need:
- If you are a non-Dutch student working or doing a paid internship (earning at least minimum wage) in the Netherlands, then you need Dutch health insurance.
- If you are a non-EU student with a health insurance policy from your home country, please check the information of De Zorgverzekeringslijn(opens in a new tab) and decide whether your policy at home provides you with adequate coverage in the Netherlands.
- If you are a non-EU student, are not working alongside your studies, and do not have health insurance that covers you while in the Netherlands, apply for something like Aon Student Insurance.
- If you are a non-Dutch EU student with a European Health Insurance Card (EHIC), you have sufficient health coverage in the Netherlands and are not required to take additional action. This insurance covers you in the Netherlands at the same level in your home country.
- If you are a non-Dutch EU student without health insurance, please apply for something like Aon Student Insurance.
Consult Zorgwijzer(opens in a new tab) for an overview of the different basic health insurances available. The website compares different insurances, including what they cover and what they cost.* Dutch healthcare insurance covers the cost of basic medical care (the so-called basisverzekering(opens in a new tab))**, it does not include liability insurance, home insurance, or travel insurance.
Non-Dutch students living and studying in the Netherlands may receive a letter from CAK Nederland stating that you are uninsured and subject to fines, even though you may have a health insurance policy from home, or from a private health insurance provider like AON Student Insurance. Did you get a letter from CAK stating that you need to have a Dutch health insurance policy? Please take immediate action and follow the CAK Nederland instructions to avoid further fines.
More information on health insurance can be found here(opens in a new tab).