Insurance in the Netherlands

All international students must have health insurance during their stay in the Netherlands to ensure access to medical care and avoid high healthcare costs. If you are not working, your international student insurance (such as AON) is usually sufficient. 

However, if you take on a paid job or internship, Dutch law requires you to obtain Dutch basic health insurance. This obligation applies only when you work in the Netherlands, and ensures compliance with Dutch regulations as well as protects you from unexpected healthcare expenses. Learn more: More Q&As about health insurance in the Netherlands | Government.nl.

You are required to obtain Dutch basic health insurance if:

• You have a paid (part-time) job or internship in the Netherlands

Students who only study and do not work may often retain their international student insurance. However, it is essential to verify your specific situation. See: Health insurance in the Netherlands.

• Risk of a fine from CAK: If you are required to have Dutch health insurance but fail to arrange it, the CAK (Central Administration Office) may impose a substantial fine. More details: Uninsured - The CAK.
• You pay all medical costs yourself: Without insurance, even a simple doctor's visit or hospital stay can cost hundreds or thousands of euros. 

To apply for Dutch health insurance:

1. Register with your local municipality.
2. Choose a Dutch health insurance provider. You can compare different providers here.
3. Provide proof of your address and, if applicable, your employment.
4. Pick a basic health insurance package (mandatory) and, if desired, additional coverage such as dental care.

A letter from CAK usually means that CAK believes you are required to have Dutch health insurance. Don’t ignore the letter, check your situation and respond as soon as possible to avoid fines.

• Verify your situation: Confirm whether you are indeed obligated to take out Dutch health insurance.
• If you are required to have insurance: Arrange Dutch health insurance immediately to avoid penalties.
• If you are not required: Contact CAK and provide supporting documentation, such as proof of your student status without employment.
• Visit: Uninsured - The CAK.

• Mandatory deductible (“eigen risico”): €385 per year. This means you pay the first €385 of certain healthcare costs yourself before insurance covers the rest. An explanation can be found here: Deductible excess health insurance explained - Zorgwijzer.
• Basic insurance premium: Around €120–€150 per month (varies by provider). You can compare the prices here.
• Optional additional health insurance: You can purchase extra coverage for services such as dental care, physiotherapy, or alternative treatments. Costs vary depending on the chosen coverage.

Students with low income may be eligible for healthcare allowance (zorgtoeslag). More details: Applying for healthcare benefit | Health insurance | Government.nl.

• International insurance (such as AON International Student Insurance): Typically covers emergencies and basic care for students temporarily abroad. AON International Student Insurance goes beyond health coverage, as it also includes emergency assistance and repatriation, home contents coverage, legal assistance, and more. However, it may not meet Dutch legal requirements if you work or reside in the Netherlands long-term. If you decide to switch from international student insurance to Dutch basic health insurance, keep in mind that Dutch health insurance only covers essential healthcare services. Therefore, it may be wise to consider additional insurances, such as WA (liability) insurance, to complement your coverage. For more details, visit AON Youtube channel to watch a webinar about the AON International Student Insurance and check their website for comprehensive information.
• Dutch basic health insurance: Mandatory for residents and individuals who work in the Netherlands. It covers essential healthcare services such as general practitioner visits, hospital care, and prescribed medication.
• Read more: Choosing Your Dutch Health Insurer: A Guide for Expats | Dutchpat.