Health insurance for international students in The Netherlands
If you are planning to start a study, internship or traineeship in the Netherlands, it is recommended to find out how and what medical costs are covered during your stay and whether or not you need to enrol for a Dutch Healthcare Insurance. This is very important because medical costs in the Netherlands are well above average.
Therefore, this article was written to provide students from abroad with detailed information on Dutch healthcare insurance and to point out when it is obligatory to get a Dutch healthcare insurance.
Moreover, the article discusses the steps needed to ensure proper medical coverage in the Netherlands.
When am I required to get a Dutch healthcare insurance?
There are a few cases in which a Dutch healthcare insurance is obligatory for foreign students:
- When you study in the Netherlands and also have a (part-time) job or an internship with a minimum wage salary.
- When you study in The Netherlands and you have a zero-hour (casual) contract.
Apply here for a Dutch health insurance
Please refer to the chart below to find out for yourself if you need a Dutch healthcare insurance:
If you are doing an internship for which you are being paid at least as much as the Dutch minimum wage, you will be required to obtain compulsory Dutch health insurance under the Wlz-scheme. Any expenses are regarded as remuneration for your internship, for example, if the company or university pays for your housing.
If you are 30 years or older and your stay in The Netherlands is permanent you will be required to choose a Dutch health insurance. This may not be the case for most international students, but only for those who have finished their studies and planning to stay in The Netherlands permanently.
If you are unsure if your stay is considered permanent, you can ask for an assessment to determine if you should be insured.
When can I use my European health insurance card (EHIC)?
You can use your EHIC for medical care if you are from within the European Economic Area (EEA), Switzerland or Australia and when you are in The Netherlands only temporarily for study purposes.
EU-, EEA-countries and Switzerland have agreements and treaties with The Netherlands about medical coverage. That is why students from within the EU can usually keep their home country insurance.
However, it is important to make sure that your home country insurance covers the necessary medical care in the Netherlands and that they can issue a European Health Insurance Card (EHIC) to you.
The EHIC gives you (in theory) the same right to necessary medical care as other Dutch residents that have a basic Dutch health insurance (zorgverzekering). More information on the EHIC can be found on this page.
Some national health insurers in EU-countries will only cover the costs of your healthcare in another country for a limited time; this is often the case for mature students (older than 28 or 30) and workers on training abroad. If this is the case for you, you will need seek another insurance if you want medical cover.
Moreover, most national health insurers only cover up to health tariffs applicable in your home country. Hence, it is highly recommended to check whether your home country insurance provides full health cover in the Netherlands during your entire stay. Otherwise, it may be required to arrange extra (private) insurance cover or opt for Dutch health insurance (if you are eligible).
Do you have any doubts about your insurance status and do you want to make sure where you stand? Then contact the Sociale Verzekeringsbank (SVB). You can ask for an assessment to determine if you should be insured.
You can also contact the governmental health insurance number through: +31 88 900 6960.
When do I need private health insurance?
When you are not from the EU/EEA or Switzerland and if you are planning to study for more than three months in The Netherlands, you are required to apply for a non-EU/EEA residence permit upon arrival.
If you are not from the EU/EEA or Switzerland, you will have to verify with your current healthcare insurer whether they cover medical costs made in The Netherlands. If not, it is highly recommended to get a private health insurance that covers the most essential medical care in The Netherlands.
There are several private health insurers that offer special international healthcare insurances for foreigners that are going to study in The Netherlands, for example, Allianz, Aon and IPS. Refer to their websites for more detailed information.
What steps are necessary to get a basic Dutch healthcare insurance?
In order to obtain a Dutch healthcare insurance you need to complete several steps:
- Make sure you are eligible for Dutch health insurance
- Compare different health insurance policies
- Choose and apply for a health insurance online
- Obtain a residents permit at the Immigration and Naturalization Service (IND). In order to apply for such a permit you need the following documents:
- A legal and certified copy of your birth certificate.
- Document(s) that prove you have a permanent place to live in The Netherlands.
- A legal and valid passport.
- After successful registration at the IND you can go to the local town hall (in the city you are residing) and register yourself as a new inhabitant. You will then receive a citizen service number.
- With this number, you can compare and select your own basic Dutch healthcare insurance and if desired, any supplementary health cover packages.
Here is an overview of all Dutch healthcare insurers.
What medical costs does the basic health insurance cover?
The basic Dutch health insurance covers essential health care, such as visits and treatments by a general practitioner, pharmaceuticals and hospital treatments. Within the Dutch healthcare system you are also entitled for long-term care and social support care.
All Dutch healthcare insurance companies must offer at least the basic health care cover package (basisverzekering). This is stipulated in Dutch health laws.
This basic package contains most medical coverages required:
- Visits and treatment by a general practitioner
- Pharmaceuticals (with reference from a physician/general practitioner)
- Medical care, operations and other treatments performed by doctors and physicians, such as cardiologists, dermatologists, surgeons, etc.
- Certain medical aids
- Dental care (until the age of 18)
- Physiotherapy for people with certain chronic diseases
- Psychological health care (with reference from a physician)
- Hospital care
- Pregnancy- and birth care (maternity and obstetric care)
- Emergency transport by ambulance
- Occupational therapy
- Speech-language pathology
- Dietary advice
- Special health care programs and population medical research
- Emergency medical treatment abroad, according to Dutch standards
Each of the above items will have their requirements and possible limitations regarding financial compensation. Sometimes the basic cover does not suffice, for example, for:
- Dental care
- Alternative Healing
- Optical eye care
If you need these types of healthcare you may refer to private supplemental insurance packages.
Financial benefit (zorgtoeslag)
International students with a Dutch health insurance are usually eligible for a healthcare allowance (called ‘zorgtoeslag’ in Dutch) that can go up to 88 euros a month.
This is amount is provided to help lower income groups pay their healthcare expenses, such as the health insurance premium and the mandatory excess (385 euro). There are several requirements to be met in order to be eligible:
- You are 18 years or older
- You have a Dutch health insurance
- You have a Dutch citizen number (BSN)
- Your salary is below 28.720 euro (2018) or 35.996 euro (2018) if you are fiscal partners
You can apply for the zorgtoeslag-benefit through the website of the Dutch tax authorities.
Choosing a basic Dutch healthcare insurance
Although, the content of the basis Dutch healthcare insurance is the same with every insurer, the monthly fee, service, excess (deductible) and available choice of health care providers can vary depending on the chosen health insurance company and policy. Hence, it is recommended to compare Dutch healthcare insurance companies on their monthly fee and policy. Ask a Dutch-speaking friend or colleague to assist you.
If you fail to get a basic Dutch health insurance in time while this is obligatory, you may risk a penalty from the government.
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