Insurance for international students

When studying in the Netherlands, it is essential that you obtain the appropriate insurance. Finding out which insurance applies can be challenging, as the requirements differ for students from different countries of origin. Our form will help guide you to find out which insurance is best suited for you during your stay in the Netherlands.

Which insurance do I need?

Are you employed in a paid job?

International students who have a part-time job need to register for Dutch public health insurance.

More on Dutch public health insurance 

In addition, it is advised to take out additional insurance to ensure complete coverage. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

If you take out Dutch public health insurance you will also be entitled to an EHIC card, which gives you this reduction when taking out additional AON insurance.

*The AON insurance for full-degree students covers pre-existing conditions. The AON insurance for exchange students covers worsening of pre-existenting conditions. 

More about AON Student Insurance 

Are you doing an internship?
Are you from the EU/EEA/Switzerland or one of the treaty countries?*
*The treaty countries are: Bosnia-Herzegovina, Canada (excluding Quebec), Chile, India, Japan, Cape Verder, The Channel Islands (Jersey, Guernsey, Alderney, Herm, Jethou), North Macedonia, The Isle of Man, Morocco, Montenegro, Serbia, Tunisia, Türkiye, Uruguay, The United Kingdom, The United States of America, South-Korea.
Do you receive a wage or compensation for your internship?

International students from the EU/EEA/Switzerland or one of the treaty countries* who receive either a wage or compensation for their internship, are often required to register for Dutch public health insurance.

More on public Dutch health insurance

If you are doing an internship and you receive a wage or compensation, we advise you to contact the Sociale Verzekeringsbank (SVB) for an assessment of your insurance position under the Wlz scheme (The Long-term Care Act). They will be able to establish which situation applies to you. You can also ask your employer or internship organisation.

In addition, it is advised to take out additional insurance to ensure complete coverage. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

If you take out Dutch public health insurance you will also be entitled to an EHIC card, which gives you this reduction when taking out additional AON insurance.

More about AON Student Insurance 

International students from the EU/EEA/Switzerland or one of the treaty countries* who do not receive a wage or compensation for their internship, are not eligible for Dutch public health insurance. This can in part be covered by the European Health Insurance Card (EHIC). If you do not have an EHIC, please first check if you are eligible to apply for one.

If you are not eligible to receive a European Health Insurance Card, a private insurer will be able to cover you. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

More about AON Student Insurance 

Are you paid minimum wage or more?

International students who have a paid internship for which they are paid at least as much as the Dutch minimum wage need to register for Dutch public health insurance.

More on public Dutch health insurance

In addition, it is advised to take out additional insurance to ensure complete coverage. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

If you take out Dutch public health insurance you will also be entitled to an EHIC card, which gives you this reduction when taking out additional AON insurance.

More about AON Student Insurance 

International students not from the EU/EEA/Switzerland or one of the treaty countries* and who do not receive at least minimum wage income for their internship, are not eligible for Dutch public health insurance. This can in part be covered by the European Health Insurance Card (EHIC). If you do not have an EHIC, please first check if you are eligible to apply for one.

If you are not eligible to receive a European Health Insurance Card, a private insurer will be able to cover you. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

More about AON Student Insurance 

Will Radboud University arrange your Dutch residence permit?

Radboud University will arrange the AON Student Insurance for the first year of your studies or the entire period of your exchange with us. If you receive a scholarship from Radboud University that covers insurance, your AON Student Insurance will be arranged for all the years you receive this scholarship. 

More about AON Student Insurance 

Do you have a European Health Insurance Card (EHIC)?

International students who are not employed or do not do an internship in the Netherlands, are not eligible for Dutch public health insurance. In case you have an European Health Insurance Card (EHIC), you will receive emergency health care coverage through your home insurance.

In most cases, EHIC only partly covers your health expenses and has a limited duration for coverage. It is therefore important to check which elements are not included in your coverage with your insurance company in your home country.

More about EHIC coverage

To ensure additional coverage in case of health-related expenses, it is strongly advised to take out additional insurance. AON Student Insurance offers this extra coverage – including (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance – at a 55% reduced premium if you have a valid European Health Insurance Card (EHIC).

*The AON insurance for full-degree students covers pre-existing conditions. The AON insurance for exchange students covers worsening of pre-existenting conditions.

More about AON Student Insurance 

International students who are not employed or do not do an internship in the Netherlands, are not eligible for Dutch public health insurance. Should you have a European health insurance from your home country, you might be in possession of a European Health Insurance Card (EHIC). If you do not have an EHIC and you are coming from an EEA country, please first check if you are eligible to apply for one in your home country.

More about EHIC

If you are not eligible to receive a European Health Insurance Card, a private insurer will be able to cover you. AON Student Insurance will provide you not only with basic health insurance, but also cover you in case of (worsening of)* pre-existing medical and psychological conditions, repatriation, liability, accidents, luggage and/or home contents and legal assistance. You can take out this insurance at a 55% reduction if you are in possession of a valid European Health Insurance Card (EHIC).

*The AON insurance for full-degree students covers pre-existing conditions. The AON insurance for exchange students covers worsening of pre-existenting conditions.

More about AON Student Insurance 

Contact information

Student Admissions can assist you in the application process and help you with practical issues concerning your stay. If you have any questions concerning visa or the return of your residence permit, please contact the visa team of Student Admissions by emailing studentvisa [at] ru.nl (studentvisa[at]ru[dot]nl) or calling +31 24 36 12345.

Contact information

Student Admissions can assist you in the application process and help you with practical issues concerning your stay. If you have any questions concerning visa or the return of your residence permit, please contact the visa team of Student Admissions by emailing studentvisa [at] ru.nl (studentvisa[at]ru[dot]nl) or calling +31 24 36 12345.

Contact information

Student Admissions can assist you in the application process and help you with practical issues concerning your stay. If you have any questions concerning visa or the return of your residence permit, please contact the visa team of Student Admissions by emailing studentvisa [at] ru.nl (studentvisa[at]ru[dot]nl) or calling +31 24 36 12345.

Contact information

Student Admissions can assist you in the application process and help you with practical issues concerning your stay. If you have any questions concerning visa or the return of your residence permit, please contact the visa team of Student Admissions by emailing studentvisa [at] ru.nl (studentvisa[at]ru[dot]nl) or calling +31 24 36 12345.

Contact information

Student Admissions can assist you in the application process and help you with practical issues concerning your stay. If you have any questions concerning visa or the return of your residence permit, please contact the visa team of Student Admissions by emailing studentvisa [at] ru.nl (studentvisa[at]ru[dot]nl) or calling +31 24 36 12345.

Types of insurance

Health insurance

  • Covers costs to do with your health
  • Depending on your personal situation (working or not working) you need student insurance or public health insurance
  • What will be reimbursed depends on the insurance you actually choose.
  • In the Netherlands, you are obliged to take out health insurance.

Liability insurance

  • Provides protection against claims resulting from injuries and damage done to you to people and/or property
  • What will be reinbursed depends on the insurance you actually choose
  • Please note: if you own a car you are obliged to have a liability insurance. We strongly advice you to also get one as you are in a new country with new (traffic) rules - accidents can happen very easily. 

 


Household insurance 

  • Covers costs when your home is broken into (how much and what exactly differs per insurance policy)
  • What will be reinbursed depends on the insurance you actually choose

Travel insurance

  • Travel insurance is a type of insurance covering financial losses associated with traveling, and it can be useful protection for domestic or international travel.
  • What will be reinbursed depends on the insurance you actually choose
  • We strongly advice you to have a travel insurance while travelling.

 

(Apply for healthcare allowance (zorgtoeslag): If your income is low, you may qualify for monthly benefit from the Dutch government to help cover your insurance costs.) site toevoegen? Zorgtoeslag