Health and liability insurance

All residents in the Netherlands are legally required to have adequate health insurance. A third-party liability insurance is highly recommended.

Health insurance

You are legally required to have health insurance to cover any medical costs you may incur during your stay. We strongly advise you to take out a health insurance policy before you arrive. There are various types of health insurance:

Letter from the Dutch National Health Care Institute (Zorginstituut Nederland)

The majority of international students residing in the Netherlands do not need to take out Dutch public health insurance (see point 1. above for exceptions to this rule). However, after registering at your local Dutch municipality you may receive a letter from the Dutch National Health Care Institute (Zorginstituut Nederland – formerly known as CVZ) stating that, according to their records, you are not insured and must take out Dutch public health insurance (basisverzekering) immediately. It is important that you respond to this letter within three months, even if you think you have received it by mistake, otherwise you risk being fined.

Liability insurance

We strongly advise you to take out third-party liability insurance to cover any accidental damage or harm you may cause to other persons or property during your stay. This is not compulsory according to Dutch law, but is standard practice in the Netherlands and highly advisable. You can purchase liability insurance at a reasonable price from one of the aforementioned providers in advance, or insurance company upon arrival.

Rabobank Insurances

Apart from opening a bank account, Rabobank can also offer you the recommended insurances (apart from the required health insurance) for your stay in the Netherlands at discounted rates. With your Rabobank Student account, a Liability Insurance and a (House) Contents Insurance (fire and theft) will cost you about € 8,- / month.

For more information on health insurance in the Netherlands, please visit this website. For more information about insurance you can visit this website.