The current structure of medical insurance in the Netherlands requires everyone to have health insurance, and residents can choose their own private health insurance in the Netherlands. It is mandatory for all international students studying in the Netherlands to purchase at least a base level of insurance - basisverzekering - ideally within four months of arrival.
Medical insurance in the Netherlands will depend on each student’s individual situation.
Dutch public healthcare insurance: International students with a part-time job or internship in the Netherlands will be required to take out this form of health insurance in the Netherlands.
Home country insurance: International students who are EU/EEA students or Swiss nationals without a job or internship in the Netherlands will take out this form of health insurance. Be sure to bring a European Health Insurance Card with you if you have it; this card will be needed once it is time to see a Dutch doctor.
Special insurance policy: Many non EU/EEA international students without a job or internship in the Netherlands will use one of the unique policies obtainable for international students studying in the Netherlands.
This basic package cannot be refused to you regardless of your age or health condition. By law, every resident
must take out an insurance policy for the standard package. It covers general care, most prescription medicine
and more, and the costs start at approximately EUR100 a month with small differences each year. Medical care is
provided by general practitioners, medical specialists and obstetricians, hospital treatment, medication, dental
care for children, postnatal care, and therapy. Additional insurance is available at different rates.
There are many companies that provide private health insurance in the Netherlands. Medical insurance in the Netherlands is required by all residents but residents and international students are in many cases free to choose their own companies. Private health insurance in the Netherlands must offer a core universal insurance package for health care at a fixed price for all without any discrimination. Extra coverage provided by these companies can include dental treatment, physiotherapy, and more. Each year, the international student can change the extras which fuel a healthy competition between the private health insurance businesses. Documents required for taking out a health insurance policy is an identification document, and proof of the Netherlands residency.
Health insurance in the Netherlands is a requirement for all international students, and students can choose which company gives them the best policy for the purpose of their stay. Whether the student wants a standard health insurance package or extra coverage, a distinctive policy will help each international student receive medical treatment without the stress of fines and fees. It is important to obtain health insurance in the Netherlands as soon as possible, as it will cover the basics of the healthcare system currently operating in the Netherlands. The student’s institution can provide more information about health insurance based on the student’s specific situation, and it is important for international students to keep track of any health insurance changes throughout their time studying in the Netherlands.