Health Insurance in the Netherlands

Health insurance for international students is extremely important to alleviate the financial burden of health problems that may be encountered while studying in a foreign country and to provide access to appropriate healthcare when necessary. Here are some reasons why it's important:

Unexpected Health Problems: Unexpected health problems can arise at any time. There is always the possibility of encountering an accident, illness, or other emergency. Health insurance prevents the student from being in financial difficulty by covering the costs of medical care required for such situations.

High Healthcare Expenses: In many countries, healthcare is very costly, especially when it comes to emergencies or serious medical interventions. Health insurance can help cover these higher costs.

May Be Mandatory: In some countries, international students may be required to have health insurance. Depending on the laws of the country where you will study and the policies of your university, it may be mandatory to obtain health insurance.

Provides Peace of Mind and Assurance: Health insurance also provides psychological support to students, minimizing their financial concerns when they encounter health problems. This can help the student focus on their education and adapt to a new culture more easily.

Routine Health Checks: Health insurance may also cover costs for pre-planned medical services, such as routine health check-ups. This can help monitor overall health.

Need for Urgent Medical Transport and Referral: In case of serious health problems, more specific and advanced medical care may be required. Health insurance can cover the cost of medical transportation or international referrals if necessary.

Ultimately, health insurance for international students is an important tool to cover unexpected health-related expenses, get medical help when needed, and feel generally safe. Students going abroad are advised to obtain detailed information about the health system, insurance requirements and coverage of the country where they will study.

Health Insurance in the Netherlands for International Students

Health insurance for international students studying in the Netherlands is governed by the health insurance system, commonly referred to as "Zorgverzekeringswet (ZVW)". It is mandatory to have student health insurance in the Netherlands, and you can usually choose one of the following two options:

Dutch State Health Insurance (Basisverzekering): This is the basic health insurance that everyone living in the Netherlands must have. This insurance covers some or all of the costs of medical care. If you reside permanently in the Netherlands and do not work, you must also have this insurance as a student. This insurance covers emergency and basic healthcare services.
Private Health Insurance (Aanvullende Verzekering): Basic health insurance covers only part of medical expenses. Some students may prefer to obtain broader coverage by additionally obtaining private health insurance . Private health insurance may cover services such as dental treatments, eye care, and alternative medicine. However, private health insurance is not mandatory.

Health insurance that students take out in the Netherlands usually covers most or all of their medical care costs. Coverage and prices may vary depending on insurance types and insurance companies. Therefore, it is recommended that you research insurance options before arriving in the Netherlands, compare offers from different insurance providers and choose an insurance plan that suits your needs.

If you are considering studying in the Netherlands, it is important to get guidance from us about student health insurance and the general healthcare system.

Dutch Health Insurance Fees

Dutch health insurance fees can vary depending on several factors, so exact prices may vary over time and between different insurance providers. It may also vary depending on the type of insurance, your age, income, and the coverage you choose. Also note that in addition to insurance fees, students living and working in the Netherlands may also receive a health benefit called "Zorgtoeslag", depending on their income. This is a type of government assistance offered to subsidize health insurance costs for low-income individuals.

Frequently Asked Questions About Health Insurance in the Netherlands