To simplify the business of arranging suitable insurance during your time in the Netherlands, it is advisable to consult your insurance company and explain that you will be studying abroad for a semester or an entire academic year. If your insurance company is unable to meet your needs, then you may consult either of the following companies, each of which offers packages specifically tailored to the needs of international students. Apart from health insurance, we urge you to also take out a liability insurance.
Health insurance (ziektekostenverzekering)
Dutch law requires all international students to be properly insured by an internationally recognised insurance agency for the duration of your stay. It is mandatory to have a valid health insurance that covers all of the Dutch health care costs.
European Health Insurance Card (EHIC)
Please first check carefully whether you already have a valid health insurance that will cover your stay in the Netherlands. If you are an EU student, you can apply for a valid European Health Insurance Card (EHIC) from your own insurance company. Click here to find out more about your country’s EHIC application process. Here you can find more information about what EHIC does and does not cover.
You still might need to take out an extra insurance to cover your stay abroad. For international students we offer an exclusive premium package at Aon Insurance. This package is especially designed for and recommended by VU Amsterdam. If you have a European Health Insurance Card (EHIC) you can opt for the additional insurance package Aon ICS Start+. Watch the webinar about this package here. If you are a non-EU student, you can apply for the Aon ICS Complete+ package, which offers an extensive health package. For this package, Aon also created a webinar. Please find here extensive information on this subject and have a look at the Nuffic website. More information about Aon Student Insurance can also be found in this flyer, and more information on Aon's coverage can be found here.
Aon Student Insurance and Cover international students in their home country
We are dealing with two groups of students who follow online education in their home country because of the COVID-19 travel restrictions. This concerns the group that had already started the study in the Netherlands.
- Existing students who left for their home country in March / April last and follow online education from there.
- Students who were on holiday in their home country and could not return.
For this group, insurance coverage is extended until 1st April 2021. Conditions for extension of coverage:
- Student must remain enrolled at the educational institution.
- Student must (demonstrably) follow online education (study progress).
- The extension only provides for cover for (medical) costs in the event of an emergency (matters that are not postponed).
- The renewal takes place on the same original policy, within the original term of that policy
- It does not concern an internship in the home country (unless the internship was arranged / initiated from the "original" educational institution)
- The cover will be extended until April 1, 2021 at the latest. If the insurance ends earlier than April 1, 2021, the extension will apply until the end date of the insurance.
- Reimbursement of medical costs will be a maximum of 2x the Dutch Basic Care Rate.
Note: If the insurance ends before 1st April 2021, but the student cannot come to the Netherlands due to travel restrictions, do not forget to extend the insurance in time, before the expiration date.
Brexit became a fact on 1 February 2020 and the transition period will end on 31 December 2020. More information on what this means for your Aon insurance can be found here.
Job or internship next to your studies
It’s important to note that if you are planning to have a job next to your studies or do an internship which pays more than the minimum wage you need to take out a Dutch health insurance, even if you’re covered elsewhere. More information about this and Aon's offer for international students who are also working in the Netherlands can be found here.
As a student at VU Amsterdam living in Amsterdam, you will be able to register with the GP at the University General Practice (located in the VU Medical Center on our campus) once you have a valid health insurance. More information can be found on their website. If you live outside of Amsterdam, you can look for a GP close to your home. More information about health care in the Netherlands can be found here.
Liability insurance (aansprakelijkheidsverzekering)
If you damage someone’s property or cause an accident, then Dutch law states that you are responsible for paying the costs of this. You are therefore advised to take out a liability insurance policy, especially if you will be working in a lab or doing research using expensive instruments.
Travel insurance (reisverzekering)
When temporarily studying in another country, most students make use of the opportunity to travel and become acquainted with new cities and countries. It is important that you have a suitable travel insurance policy to cover the costs of stolen baggage, repatriation etc.