If you’re an international student, you’re probably wondering why and in which cases you would need Dutch health insurance - especially if you already have one from your home country. Allow us to break it down.
That would be the moment when you start working a part-time job. In the rare event that you perform an internship that pays a salary above Dutch minimum wage, you will also be required to take out Dutch health insurance.
Dutch law states that everybody that holds a (part-time) job is insured by the Wet langdurige zorg (Wlz). All citizens insured by this law are required to have Dutch health insurance.
Tl;dr if you have a job or (in rare cases) a paid internship that pays above minimum wage, you need Dutch health insurance. We strongly recommend you do this immediately.
If you’re obligated by law, but you decide not to, then the CAK will issue a warning letter. You’ll be given a three month term to take out Dutch health insurance or risk a fine.
The current height of the fine in 2019 is €402,24. If you fail to meet the term of three months, you will receive an additional fine of €402,24.
If you fail to pay both fines and take out health insurance within the given terms, the CAK will issue a Dutch health insurance for you. The CAK will then proceed to perform wage garnishment. This means that if you’re working, a part of your paycheck will be withheld to pay off the health insurance premium. This lasts for 12 months.
As stated before, non-EU students cannot apply for Dutch health insurance. However, this only applies to public health insurance. We recommend that non-EU students check if their home health care provider offers adequate coverage for treatments abroad. If that is not the case, we recommend that non-EU students seek private health insurance or health insurance specifically for international students.
With how many public health insurance companies there are, it can be difficult to choose which is best for you. It might be hard to distinguish between the many companies, what they provide and what it all means. Allow us to simplify it:
For specific forms of treatment in your “basispakket” or “aanvullende verzekering”, you’ll be required to pay what is called a eigen bijdrage. This is a contribution to the cost of treatment. This is different from the eigen risico/deductible. Your deductible has a maximum amount, however your eigen bijdrage is a non-deductible fee. Depending on what kind of treatment you require, this could be an hourly, daily, weekly, monthly or yearly fee.
Finding a suitable health insurance companuy can be quite difficult, even for Dutch people. Which is why we would like to refer to you studenten-zorgverzekeringen.nl This is a site affiliated with the Dutch ministry of Education, Culture and Science thats allows you to compare health insurance companies and make an informed decision.
The kicker? It's available in English! Please use the following link: https://www.studenten-zorgverzekeringen.nl/
We would be happy to help you out. Do you have any further questions? Let us know! There isn’t a question that we won’t try answer for you. We’ve helped a lot of international students – you might be one of them. Feel free to make use of our service. Click the button below, provide us your information and ask your question; you’ll be hearing from us very soon!
An independent site that provides accurate information about health insurance plans for international students in The Netherlands.
An agency in service of the Ministry of Health, Wealth and Sports that services as a debt collecting agency for health insurance companies. Anything that has to do with not having health insurance will be handled by them, such as collecting fines.
An organization that provides information about the workings of the Dutch health insurance system, free of charge.
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