Health Insurance in The Netherlands

Dutch health insurance is compulsory for almost everyone (within four months of arrival) and can be relatively expensive, with standard packages costing roughly 1.100 euros per year. The health insurance packages may vary depending on the company and the services you would like to include in this package. The packages are paid monthly and the price is based on your service preferences. However, there are always services you have to include and they define the final price of the package.

When is the Dutch health insurance mandatory for students?

International students are not obliged to have Dutch health insurance as they study in the Netherlands for a certain period and, therefore, they are not considered as residents. However, once you start working in the Netherlands during your studies, whether you have taken on a small part-time job, or you are doing a paid internship or volunteer work for which you are getting an allowance you will be obligated to take out Dutch health insurance. Please note, a zero-hour contract also counts as a job.

Do I need to have any insurance if I am only studying in the Netherlands?

You need to be insured while you are studying in the Netherlands. However, it’s not mandatory to have Dutch health insurance. Here are the three options that you have for being insured while staying here for your studies: · Dutch Health Insurance · European Health Insurance Card (EHIC) · Private Health Insurance If you are from the EU, EEA, or Switzerland, and you are planning to study in the Netherlands, you can apply for the European Health Insurance Card (EHIC). If you are from a non-EU / EEA country, and you are not working (part-time) or doing an internship during your studies, you can’t take out Dutch public health insurance. Your best option is taking out private health insurance.

I have European Health Insurance Card (EHIC). How can I use it?

EHIC covers only emergency cases. This card is enough to be sure that if you break your leg you will be accepted in a hospital and doctors will take care of you without paying anything (or at least you will receive a discount). However, it doesn’t cover private healthcare and (most) planned treatments. EHIC is not equivalent to travel insurance and it will not be accepted as health insurance from your employer.

Healthcare allowance

To support people on low income, the Dutch government offers the healthcare allowance (zorgtoeslag), a regular contribution to help cover the monthly premiums for Dutch health insurance (zorgverzekering). In 2021, monthly payments can be up to 107 euros for individuals and 207 euros for couples, depending on the income level. If you want to find out more about healthcare allowance and apply for it, don’t hesitate to contact us for a consultation!