ON THIS PAGE YOU CAN FIND HOW TO ARRANGE YOUR INSURANCE AND WHAT TO DO IN CASE YOUR SITUATION CHANGES.
What insurance do I need?
As an international student you need to make sure you are properly insured during your stay. By law, you are required to have healthcare insurance, your situation determines which type of insurance you need.
- How to arrange insurance
EU/EEA STUDENTS (ON-CAMPUS)
If you are insured under the national health insurance scheme of an EU/EEA member state or Switzerland, your insurance company can provide you with a European Health Insurance Card (EHIC). As long as you do not have paid work in the Netherlands, additional insurance is not required. Please be aware that an EHIC is valid for a limited time only, and does not include cover for luggage, liability or legal aid.
British students need to be aware that because of Brexit, an EHIC card is not valid for them anymore. Please make sure you apply for a valid insurance during your time at UT.
If you have a part-time job next to your study (even for just a few hours per week) or an internship which pays minimum wage or more, it is mandatory to apply for a Basic Healthcare Insurance. Fines are high for students who do not have a Basic Insurance while they work, so if you have questions please ask at the Student Services desk.
If you are not insured under the national health insurance scheme of an EU/EEA member state or Switzerland and you do not have a job, you can apply for student insurance at a Dutch insurance company, e.g. at AON Nederland.
NON-EU/EEA STUDENTS (ON-CAMPUS)
It is mandatory to have a valid (health) insurance during your stay here. Most students have insurance through AON Hewitt, the ICS Complete Plus. This extensive insurance package covers medical and non-medical costs: health (including pre-existing conditions), home contents, repatriation, baggage, accidents, liability and legal costs. Also, you are insured worldwide.
Information and application process
You can find information and apply for the ICS Complete Plus Insurance on www.aonstudentinsurance.com
For English, click on ‘kies je taal’ at the top of the page. Before you apply, make sure you have your Dutch address and you know your departure date from you home country.
Please note: AON’s digital system can only handle applications for up to 25 months, so if you will be studying here for more than two years, please set the end date of your insurance two years ahead. You will be able to extend your insurance later. After you have opened your Dutch bank account, you can submit your account number to your insurance policy and have AON automatically deduct the monthly premium.
If you are not taking insurance from AON (for example because you are with a program which requires their own insurance or you have an insurance from your home country), then please check carefully:
- is it valid during your entire stay
- is the cover sufficient
Having a valid insurance for health care and other issues (liability, belongings) is your own responsibility.
ON-CAMPUS EMPLOYEES (PHD)
PhD students can apply for UT collective health insurance from insurance company 'Menzis'. This insurance package covers most basic health care costs. Collective health insurance is often cheaper than arranging insurance yourself. This insurance includes standard dental treatment: other optional packages are also available. For more information visit the UT HR website.
OFF CAMPUS STUDENTS (ITC)
ITC students will be guided by ITC staff in arranging AON complete insurance. You will receive your insurance certificate by email before arrival, as this is required in your entry visa/residence permit application process.
- About insurance packages
AON 'ICS COMPLETE PLUS' INSURANCE
ICS Complete Plus covers all your medical costs and liability in the Netherlands. You are covered for emergency dental care, doctor visits, physiotherapy, acupuncture, medicines, psychotherapies and medical transport. ICS Complete Plus Insurance also covers personal liability, luggage, household contents, accidents, legal aid and repatriation. You are covered during internships and international travel (holiday). Nonessential procedures will not be covered.
If you have a part-time job next to your study (even for just a few hours per week) or an internship which pays minimum wage or more, it is mandatory to apply for a Basic Healthcare Insurance. Fines are high for students who do not have a Basic Insurance while they work, so if you have questions please ask at the Student Services desk. Keep in mind that a Basic Healthcare Insurance only covers medical expenses so you are advised to take out extra insurance for liability, emergency travel or other issues.
- Additional information
Please make sure you always see your general doctor first, before you make an appointment at the hospital. Always inform AON in case of admittance to a hospital, and inform the hospital of your AON insurance information. The hospital will ask for an advance payment of 150,- euros and will send you an invoice for the remaining amount as soon as the total costs are known.
WORKING DURING YOUR STAY
When you have a (part-time) job in the Netherlands, you are obliged to have Basic Healthcare Insurance – even if you only work for one hour per week next to your study. This insurance needs to start the day you start your job. If you neglect to do this, you will receive a fine which can become very high. Basic Healthcare Insurance costs around € 100,- a month, so in case you do not work many hours, you might want to reconsider taking the job.
Rules are different when you are doing an internship. If you will earn at least the minimum wage during your internship, you will need to switch to Basic Healthcare Insurance.
VISITING GUESTS AND FRIENDS
Relatives and guests of students/ employees are also obliged to have health insurance during their stay in the Netherlands. Extra insurances are strongly recommended, especially the personal liability and the emergency assistance insurance (flight to home country in case of a life-threatening situation or death of a family member). A deposit is paid in advance, based on the duration of the family/guest stay. Please contact Student Services for more information.
LETTER FROM CAK ABOUT NO INSURANCE
Some international students will receive a letter from CAK saying they do not have insurance and if one is not applied for within 3 months, a fine will be given. In some cases, this letter will be correct, for example, if you worked and you did not have Basic Healthcare Insurance during that time. If this is the case, please start a Basic Insurance as soon as possible (backdating to the first day of work).
Unfortunately, some students receive this letter by mistake, because they did not work and they have valid private insurance. If this is the case, you must take action as soon as possible. Fill in this WLZ assessment form. After printing and signing it, send it (by regular post) to the address mentioned on the last page of the form.
If you have questions, please visit our Student Services Contact Center.
Please have a look at this flyer:
EU students who have a valid EHIC card are covered for care in case they are sick due to the virus. Hospital care is included.
If you are an EU student and you do currently not have a valid EHIC card, please contact your insurance company in your home country and try to obtain one as soon as possible.
In general, all EU students should always have an EHIC card if their country provides one.
International students (either EU or non-EU) who have the ICS Complete from AON, are covered for health costs related to the COVID-19 virus.
If you have a job and thus a Dutch Basic Healthcare Insurance, health costs related to the virus are also covered.