Students over 18 years
Mandatory Health Insurance for
Students over 18 years
As a student, you may think very little about health insurance. However, when you turn 18, you’re legally required to have health insurance in the Netherlands. This article will explain what that means, why it’s essential, and your options.
Why is health insurance mandatory for students over 18?
The Dutch healthcare system is based on the principle of solidarity. This means that everyone contributes to healthcare costs and has access to the same level of care.
When you turn 18, you become legally responsible for your healthcare costs. This means that you need to have your own health insurance. You could face fines and other penalties if you don’t have health insurance.
Health insurance for International students
Different rules apply to International students studying or working in the Netherlands. Are you an international student? Find more info here:
Compare all Dutch Health Insurance?
What happens if you can't afford health insurance?
You may be eligible for a healthcare allowance if you can’t afford health insurance. This is a subsidy from the government that helps you pay for health insurance. The subsidy amount depends on your income and the cost of your health insurance.
To apply for a healthcare allowance, you need to have a Dutch social security number (BSN) and a bank account in the Netherlands. You can apply for the allowance through the Dutch Tax Administration.
What are your options for health insurance?
As a student, you have a few different options for health insurance. Here’s a rundown of the most common options:
Basic health insurance
Basic health insurance is mandatory for everyone in the Netherlands, including students. The most basic type of health insurance is called “basisverzekering” in Dutch. This type of insurance covers essential medical care, such as visits to the GP, hospital stays, and medication.
Supplementary health insurance
In addition to basic health insurance, you can also choose to purchase supplementary health insurance. This type of insurance covers dental care, physiotherapy, and alternative medicine. Supplemental health insurance is not mandatory, but it can be a good option for specific healthcare needs.
Student health insurance
Some insurance companies offer special health insurance plans for students. These plans are designed with students in mind, and they often offer lower premiums and more flexible coverage. However, student health insurance is optional and may not be the best option for everyone.
International health insurance
You may need to purchase international health insurance if you’re an international student. This type of insurance covers you for medical care both in the Netherlands and in your home country. International health insurance is not mandatory, but your university or visa may require it.
How much does health insurance cost for students?
Health insurance costs vary depending on a few factors, such as age, health, and coverage needs. As a student, you may be eligible for a discount on your health insurance premiums.
The average cost of basic health insurance for 2023 is €123 per month. Additional health insurance can cost anywhere from a few euros to over €100 per month, depending on your coverage.
How do you choose the right health insurance plan?
Choosing the right health insurance plan can be overwhelming, especially if you’re new to the Dutch healthcare system. Here are some tips to help you make the right choice:
Consider your healthcare needs
Think about the types of healthcare you need. Do you have pre-existing conditions? Do you need dental care or physiotherapy? Make a list of your healthcare needs, and use that to guide your search for insurance.
There are many different health insurance plans available in the Netherlands. Use our healthcare insurance comparison tool to find the best insurance for your needs.
Read the fine print
Before you sign up for any health insurance plan, make sure you read the fine print. Make sure you understand what is covered and what isn’t. Look for details about coverage limits, deductibles, and co-payments.
Consider your budget
Choosing a plan that fits your budget is essential. Look for plans with lower premiums if you’re on a tight budget. Most cheaper plans are available online and have limited support. But they may have different conditions.
Ask for help
If you need help deciding which health insurance plan to choose, ask for help. Your university may have a student health insurance advisor to help you navigate the system. You can also contact the insurance companies directly for more information.
Frequently Asked Questions
Yes, health insurance is mandatory for all residents of the Netherlands, including students over 18 years old. This includes both Dutch and international students.
Basic health insurance, also known as “basisverzekering,” covers essential medical care such as visits to the GP, hospital stays, and medication. It also covers some types of dental care for individuals under 18 years old.
Yes, you can choose any health insurance provider that is registered with the Dutch Healthcare Authority (NZA). There are many different providers to choose from, each with their own plans and premiums.
Health insurance costs vary depending on factors such as age, health, and coverage needs. The average cost of basic health insurance for 2023 is €123 per month. Additional health insurance can cost anywhere from a few euros to over €100 per month, depending on the coverage you choose.
If you can’t afford health insurance, you may be eligible for a healthcare allowance, which is a subsidy from the government that helps you pay for health insurance. The amount of the subsidy depends on your income and the cost of your health insurance. Additionally, some insurance providers offer low-cost or discounted plans for students.