Insurance

Dutch law requires everybody living in the Netherlands to have health insurance. That includes students who are only here for a few months.

Health insurance

For students from other EU/EEA countries, health insurance taken out (or provided by the state) back home will usually be sufficient. However, anyone who wants to work while studying or take a paid internship will need to arrange insurance in the Netherlands. So will anyone over thirty and most students from non-EU countries. Financial assistance (‘Zorgtoeslag’) may be available.

Group  Insurance from back home normally sufficient  Public health insurance has to be arranged in NL  Special student’s health insurance has to be arranged in NL 
EU/EEA/Swiss students aged under 30  Yes, if:
not working or on a paid internship. (European Health Insurance Card also compulsory.) 
Yes, if:
working or on a paid internship.
(You may be entitled to financial help (‘Zorgtoeslag’).) 
 No
Other students aged under 30  No Yes, if:
working or on a paid internship.
(You may be entitled to financial help (‘Zorgtoeslag’).) 
 
Yes, if:
not working or on a paid internship 
All students aged 30 or over  No Yes  Yes 

Please use the online practical checklist to find detailed information on health insurance in the Netherlands. 

Liability insurance

You are strongly advised to arrange third-party liability insurance for the duration of your stay. Liability insurance covers injury or damage that you accidentally cause to someone else or their property. It is normally quite cheap. If you don’t have a policy back home that will cover you while in the Netherlands, you will find details of local providers on Study in Holland website.