Summary
More information about insurance for students.
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Healthcare Insurance
International students must be adequately insured for medical expenses while staying in the Netherlands. This will be checked by the registration officials when you apply for a residence permit.
For non-EU/ non EFTA students the Student Service Centre arranges your AON insurance, this is included in your invoice.
We advise EU/ EFTA students to apply for an EHIC Card and consider additional insurance via AON.
In August and February, AON arranges an online webinar about insurance, we strongly advise you to attend this webinar. You will receive an invitation via e-mail.
European Health Insurance Card (EHIC)
The Netherlands has treaties regarding health insurance with all EU member states, Norway, Iceland, Liechtenstein, Turkey, Morocco, most of the countries of former Yugoslavia, Tunisia, Cape Verde Islands and Australia.
If you are insured under the national health insurance scheme of one of these countries, your insurance company can provide you with a European Health Insurance Card or an international declaration form (E-111 or E-128). Make sure you bring this card or form with you to the Netherlands, and make a number of copies. You will need the card/form to see a doctor.
Healthcare Insurance during a paid internship or job
A Dutch Basic Health Insurance (DBHI) is mandatory
- If you have a (side) job.
- If you have a paid internship, under certain conditions.
Please check on SKGZ under “Am I required to have Dutch health insurance because of my paid internship?” if this applies to you.
You have to apply for a DBHI yourself, you can choose any insurance company. A list of insurance companies can be found on this website: Zorgwijzer.
It is advised to choose a company where you can easily terminate the insurance upon ending your side job or internship during the calendar year and switch back to student insurance.
Should you fail to take out the DBHI, you risk a fine imposed by CAK (Centraal Administratie Kantoor). The CAK will send a warning, giving you thee months to arrange the correct insurance.
When you take out a DBHI and your student insurance has been arranged by the university, please submit your request for termination of the insurance to ssc@wur.nl.
When to take out Private Insurance?
If your insurance does not cover your stay in the Netherlands and you cannot apply for an EHIC card, you have to take out insurance yourself. We advise to arrange an AON student insurance, but you are free to choose any company.
We advise you to check the coverage carefully for the following:
- Medical expenses
- Emergency dental expenses
- Individual liability for damage caused to others (Aansprakelijkheid voor particulieren)
- Personal property (loss of household contents or baggage due to e.g. theft or fire)
- S.O.S. assistance: cost of repatriation due to serious illness or death, if not included in the health insurance or travel insurance
Important! Liability Insurance
International students who have their own health insurance (other than the AON insurance offered by Wageningen University) are strongly advised to purchase liability insurance as a simple accident can easily cost you hundreds of euros in the Netherlands.
Collective Travel Insurance
Students participating in internships, exchange and/or conducting thesis work abroad as part of their study programme at the University are covered by the collective travel insurance of Wageningen University & Research. The costs of this travel insurance are paid for by Wageningen University & Research. The travel insurance is in force as long as the travel duration is not longer than 365 days and the students are enrolled at WUR as students. The attached file (Travel_insurance_policity_students_60.19.8653.pdf) is outdated. The certificate is still valid although the date states otherwise. The general terms and conditions for this insurance are available here:
Questions & Answers
If you have any questions about admission, applications, tuition fees or housing, please contact SSC.