If you already have European Health insurance, or any other insurance that covers you in the Netherlands, and you don’t work next to your studies, then you don’t need to take out any local insurance! In fact, you are legally not allowed to take out Dutch public health insurance if you’re only here to study. If this is your situation, make sure your insurance from your home country covers you, or you could also consider taking out Dutch private health insurance.
However, you are legally obligated to take out Dutch public health insurance if you:
- do not have an EHIC card, or
- are over the age of 30, or
- work in the Netherlands (this is regardless of your coverage elsewhere. If you are employed in the Netherlands you will need Dutch health insurance).
If you choose not to work in the Netherlands during your degree, then you will not need Dutch insurance. However, if you do get a job, you must take out insurance as soon as possible or you will be violating Dutch law. We are here to guide you through this process. We collaborated with the International Student Helpdesk (ISH), who have made this decision tree to help you figure out whether or not you need Dutch health insurance:
You should also take a look at our finances section to find out how to receive a subsidy in order to help cover your insurance costs.
An excellent page to visit if you’re struggling is the Zorgverzekeringslijn. Their website has incredibly detailed information for international students, as well as a hotline that you can call from abroad if you have questions. They also have a full dictionary of Dutch health terms if you are confused!
Lastly, if you have received a letter from the CAK regarding health insurance, you can check out our dedicated page to learn how to deal with this.