Compulsory health insurance for non-Dutch students
As a non-Dutch student, you are required to have health insurance if you live and study in the Netherlands. This page provides guidance on the health insurance obligations you must meet to avoid fines and ensure you have adequate coverage.
Determine which of the following situations applies to you
- You are working or doing a paid internship.
If you are a non-Dutch student working or doing a paid internship in the Netherlands, you are required to have Dutch health insurance. To apply for Dutch health insurance and the health insurance subsidy (zorgtoeslag), contact the International Student Helpdesk (ISH) by emailing ish-ssc@maastrichtuniversity.nl or via Instagram on working days between 13.30 and 15.30.
- You are a non-EU student with a health insurance policy from your home country.
If you are a student with a non-EU nationality and have a health insurance policy from your home country, check De Zorgverzekeringslijn to see if your policy at home provides you with adequate coverage in the Netherlands. You may also consider signing up for Aon Student Insurance. For more information, contact the International Student Helpdesk (ISH) by emailing ish-ssc@maastrichtuniversity.nl or via Instagram on working days between 13.30 and 15.30.
- You are a non-EU student without insurance that covers the Netherlands.
If you are a student with a non-EU nationality and do not have health insurance that covers you while in the Netherlands, please apply for Aon Student Insurance.
- You are an EU student with a European Health Insurance Card (EHIC).
If you are a non-Dutch EU student with an EHIC, you have sufficient health coverage in the Netherlands and do not need to take additional action. However, your insurance might not cover the same costs abroad as in your home country. Check the coverage and validity period with your insurance company. Bring your EHIC and copies of it for your stay. Citizens of the EU, Norway, Iceland, Liechtenstein and Switzerland can request an EHIC from their insurance company. Learn more about applying for an EHIC here.
- You are an EU student without health insurance.
If you are a non-Dutch EU student and do not have health insurance, please apply for Aon Student Insurance.
Avoid possible fines
As a non-Dutch student, you may receive a letter from CAK Nederland stating that you are uninsured and subject to fines, even if you have a health insurance policy from home or a private provider like Aon Student Insurance. If you receive such a letter, take immediate action and follow the instructions for how to deal with a CAK letter to avoid further fines.