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Healthcare insurance

By law, you must have healthcare insurance. The type of healthcare insurance you need depends on your personal situation.

International students who study or work in Holland are legally required to have health insurance. There are different rules that apply to different situations.

Study purposes only

You are legally not allowed to take out a Dutch public health insurance if you are in Holland for study purposes only. Make sure you have a health insurance from your home country with enough coverage or take out a private health insurance or health insurance from your home country.

If you are from the EU/EEA you may be eligible to receive a European Health Insurance Card (EHIC) which covers your necessary medical costs during your stay. Please make sure you check this with your health insurer in your home country as this might differ per EU-member state. See the list of countries with special regulations on the website of Zilveren Kruis.

Study and internship

If you are doing an internship for which you are paid at least as much as the Dutch minimum wage, you are subject to compulsory insurance under the Wlz scheme. Check this explanation of the minimum wage.

If you receive expenses this will also count as remuneration for your internship. You should bear in mind that room and board may also be regarded as remuneration. Contact the SVB and start the Wlz assessment when you are in doubt.

Study and work

You are required to have a Dutch public health insurance if you have a (part-time) job.

Do you work on a self-employed basis (in Dutch: ZZP-er), contact the SVB and request an assessment of your Wlz position. The SVB will decide whether you need to take out a Dutch public health insurance or not.

How to take out a Dutch public health insurance?

  1. You must be registered with a municipality before you can take out a basic health insurance.
  2. Choose your health insurance from one of the Dutch public health insurers. Fill out the application form and sent it to the health insurer.
  3. The registration is complete once you have received an insurance policy (in Dutch: polisblad).
  4. If you stop working or if you leave the Netherlands, cancel your insurance. Do not forget to deregister from the municipality.
  5. When you have finished your studies and decide to stay in the Netherlands, you must apply for a health insurance when you start to work. During an orientation year with a search visa you are not allowed to take out a Dutch public health insurance if you have not started to work. You can take out an international health insurance.

Health care benefit

You can only apply for health care benefit (in Dutch: zorgtoeslag) if you are eligible for a Dutch public health insurance via the Dutch Tax Office (in Dutch: Belastingdienst).

Received a letter from the CAK?

You might receive a letter from the CAK about your insurance obligation. You need to take action within 3 months or you will receive a fine of € 402,24. Even if you incorrectly received the letter from the CAK.

  1. It is important to contact the Sociale Verzekeringsbank (SVB) to request (free of charge) an investigation of your insurance position under the Wlz scheme. For this request, please go to the website of the SVB.
  2. Keep in mind that it might take 6-8 weeks before you receive the outcome of the Wlz assessment. Therefore, take action immediately after receiving the letter from the CAK.
  3. Send a copy of the decision from the SVB about your insurance position to the CAK. Use the contactform and chose option ‘regeling onverzekerden’.
  4. CAK will close your file if the outcome of the Wlz assessment states that you are not to be insured.

Organisations

SVB:

(Sociale Verzekeringsbank) is the organisation that implements national insurance schemes in the Netherlands.
Website of the SVB
Tel. +31 20 656 48 48

CAK:

A government organisation responsible for the uninsured regulation. Sends the letters, issues fines and takes further action to get you insured.
Website of the CAK
Tel. +31 800 50 28 option 2 (regeling onverzekerden)

Belastingdienst:

The Dutch Tax Office. They give out health care benefit if you are eligible for a Dutch public health insurance.
Website of the Belastingdienst
Tel. +31 800 05 43

Zorgverzekeringslijn:

Hotline for independent advice and practical tips about how to solve health insurance issues.
Website of the Zorgverzekeringslijn
Tel. +31 800 646 46 44 / +31 88 900 69 60

What to do if you fall ill?

If you are not feeling well or have complaints you must first go and see your general practioner (GP), or in Dutch huisarts. The GP decides whether to send you to see a specialist and, if necessary, send you to a hospital. If you need medicines, you will receive a prescription from the GP. With the prescription you can collect the medicine at a local pharmacy (apotheek).

Emergency?

In case of an accident or other emergency situation, call 112 for an ambulance.

Other insurances

Liability insurance

If you cause an accident and someone is injured or if you damage someone's property, you are responsible for paying all the costs of the accident. You might, for example, break something in your rented room. Or, on a more serious note, you might cause a road accident.

Accidents like these can be very expensive. You are therefore strongly advised to take out a good liability insurance policy, which will cover the costs in many cases.

In Holland, damage caused on the job is usually covered by the employer's liability insurance. If you are an intern, you are usually included in the company’s liability insurance, just like their regular employees. To be certain, however, please check with the company or organisation you will be working for.

Repatriation insurance

Repatriation means returning to your home country. If you happen to become seriously ill, you might prefer to get medical care close to home. It would be wise to have an insurance policy covering the costs of transferring back to your home country in these situations.

Household contents insurance

Household contents insurance covers the contents of your home against loss due to causes such as theft, fire or water damage.