Getting Dutch health insurance is a relatively easy process if you know what you’re doing. Follow these simple steps to secure quality Dutch health insurance, according to your needs.
First of all, to start the application process, students will need:
- A copy of their passport
- A residence permit if you come from outside the EU/EEA.
- If you have a labour agreement, you will need that too. This way the insurance company knows that you really are obliged to take out Dutch insurance, as you are working or living here and entitled to the same rights as Dutch residents.
The website independer.nl provides services to help find the best insurance for you. However, the site is in Dutch, so you could ask a Dutch friend for help or check out zorgwijzer.nl, which provides the same services in English, in spite of its more primitive appearance.
Furthermore, you can apply for health insurance directly from these sites and follow the steps requested by the company you applied for. It will take around two weeks to process your application, and you will receive the terms of service and potential policies from your insurance company.
How much does health insurance cost?
We understand that this is one of the main concerns for many students.
Firstly, it is important to understand that Dutch health insurances consist of two cost factors: a monthly premium, and a compulsory deductibility.
The monthly premium is a fixed fee you owe to your insurance company, which is automatically deducted from your bank account each month. In other words, how much money you pay your insurance company each month for them to cover you.
The cost of the monthly premium depends on the level of coverage you ask for and your compulsory deductibility.
Compulsory deductibility is the minimum amount of personal medical costs that the person has to pay before the insurance company is responsible for the rest of the costs.
In the Netherlands, the own risk deductibility is €385 to €885 and this will be paid for automatically at the end of the year. If your amount of compulsory deductible is reached in the year, the insurance company will pay every additional cost that is covered by that company.
Keep in mind that not all costs count towards the ceiling of your compulsory deductibility. For instance, general practitioner costs and maternity costs do not count towards the ceiling, but X-rays, medical specialist costs, ambulance costs, blood tests, and mental healthcare do count towards the ceiling.
Some healthcare costs use an ‘’own contribution’’ which means that you pay a portion of the total costs. For e.g. you need medicine, you pay €100 of your own contribution, the insurance company pays the rest. This doesn’t run out, you pay your own contributions every time, each year.
The GP (huisarts) isn’t covered by own risk deductibility, which means that it’s always free if you are insured.
Student health insurance is a lot cheaper, but it mostly covers additional medical costs that your home country insurance does not pay.
If you have an EHIC card, we advise you to request from your insurance company what it covers.