Insurance in NL

Student Bachelor accountancy van Nyenrode Business Universiteit

Health Insurance

When taking out or checking your current health insurance, pay special attention if the following will be covered during your stay abroad:

  • All physical and mental health care costs, incl. hospitalization.
  • All pre-existing medical conditions.
  • Repatriation costs.

Furthermore, consider what type of policy you require. Note that if you decide to work or do a paid internship during your studies, you are required to change to the Dutch public Health Insurance.

What type of policy?

Additional information

More information on insurances

Unsure what type of insurance you need or have a question? Feel free to get in touch with the independent organization "Zorgverzekeringslijn” . For more information on health insurance in the Netherlands, please visit the Study in Holland website.

Registering with a doctor

To arrange a doctor’s appointment or specialist’s referral will require you to register with a local GP (with the exception of emergencies of course). Therefore, this is one of the important things on your to-do-list when you arrive to the Netherlands.

How to register

Most GP’s will only register you as their patient, if you live in the service area of their practice. That is because your GP must be able to reach your home address within 15 minutes in emergencies. As soon as you know where you will be living, you need to register with a GP practice.

You may find a suitable practice by asking other internationals or by using websites like Zorgkaart or Kiesuwhuisarts. The websites are in Dutch, but by entering your postal code or city into the search (zoek) box, you’ll soon find what you need. If you need help, don’t hesitate to reach out to us. You can also use translation tools to help you in the process.

Nearby GP’s (‘huisarts’ or ‘Huisartsenpraktijk’) will be listed on the page for you, most often with a link to their websites. However, not all practices will accept new patients, especially in the larger cities. All GP’s have the same education and most of them will speak English. 

Liability insurance

Taking out a third-party liability insurance will cover any accidental damage or harm you may cause to other persons or property during your stay in the Netherlands. This type of insurance is not mandatory but recommended. Liability insurance is included in some international student insurance policies, such as AON’s ICS Complete+ package. Alternatively, you can take out a policy with a Dutch insurer or bank. See the Study in Holland website for further information.