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Insurance and healthcare
Every student needs to hold a valid health insurance while staying in the Netherlands. VHL does not accept any responsibility for such risks as loss of property, accidents, illnesses etc. Below you will find information about health insurance for EU and nonEU nationals. Please note that if you want to work in the Netherlands, you must take out Dutch health insurance.
European (EEA) students
Health insurance
You may not reside in the Netherlands - not even temporarily - if you are not properly insured against the costs of medical treatment. Most EEA students can ask for an EHIC card (European Health Insurance Card) at their own private insurance company. Please check what your insurance covers during your stay in the Netherlands. Another option is to arrange your insurance on the website of AON.
Liability insurance
If you cause an accident and someone is injured or if you damage someone's property, you are responsible for paying all the costs of the accident. Therefore we strongly advise you to arrange a liability insurance.
Non-European students
Health insurance
If you are a non-EU citizen, you will be compulsory insured for medical costs and liability. VHL will arrange insurance for you on your behalf with AON Consultancy. The insurance policy will be issued to your name. This means that you are liable and thus responsible for your own actions, not VHL University of Applied Sciences. Insurance fees for students are approximately 500 euro per year.
Liability insurance
If you cause an accident and someone is injured or if you damage someone's property, you are responsible for paying all the costs of the accident. VHL will arrange insurance on your behalf as part of your insurance with AON Consultancy.
Other insurances
We strongly recommend you to take out a repatriation insurance and household content insurance. Repatriation means returning to your home country. If you happen to become seriously ill, you might prefer to get medical care close to home. It would be wise to have an insurance policy covering the costs of transferring back to your home country in these situations. Household contents insurance covers the contents of your home against loss due to causes such as theft, fire or water damage.
Please read more information about insurances on the websites of Study in NL and Zorgverzekering Informatie Centrum (health Insurance information centre).