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Insurance

Health insurance

Health insurance is mandatory

All international students are required by law to have appropriate health insurance for the duration of your stay in the Netherlands.

You are also advised to take out an appropriate general third-party insurance (liability insurance). For non-EEA/EU students requesting a residence permit through the UvA, liability insurance is mandatory.

Please check before you come to the Netherlands whether your insurance will cover the complete period of your stay abroad, and what type of coverage it consists of.

Financial penalty

If you do not take out health insurance, you risk having to pay a penalty of around 130% of the nominal premium for each month that you are uninsured, plus a fine of around €400 if you do not pay on time.

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 approximately €400. Even if you incorrectly received the letter from the CAK.

  1. It is important to contact the Sociale Verzekeringsbank (SVB) to ask for an investigation of your insurance situation under the Wlz scheme (free of charge).
  2. Send a copy of the decision from the SVB about your insurance situation to the CAK.

If you do not take action within 3 months after receiving the CAK letter, CAK will impose a fine of approximately €400 on you. If you do not take action within 9 months after receiving the first CAK letter, CAK will ultimately conclude (more expensive) Basic Healthcare Insurance on your behalf and on your expense.

Types of health insurances

If you are in the Netherlands for study purposes only, you can take out private health insurance or European health insurance (EHIC). You are not allowed to take out a Dutch basic health insurance if you are in the Netherlands for study purposes only.

You are required to take out Dutch basic health insurance:

  • If you start a (part-time) job
  • If you start an internship that pays at least the Dutch minimum wage
  • European Health Insurance (EHIC)

    If you are not employed, and you are a citizen from the European Union, Iceland, Liechtenstein, Norway or Switzerland, you can apply for a European Health Insurance Card (EHIC). You can obtain the European Health Insurance Card free of charge by contacting your local health authority. EHIC will cover the most basic and emergency healthcare costs.

    You are required to take out Dutch basic health insurance:

    • If you start a (part-time) job
    • If you start an internship that pays at least the Dutch minimum wage

    European Health Insurance (EHIC)