This package covers not only basic medical costs such as visits to the general practitioner, costs for hospitalization, medications, and most medical treatments – but also more “leisure” types of treatments, such as new glasses every two years, alternative medicine, and other preventative medical treatments like blood tests. The average cost of taking out this insurance is around €100 per month depending on whether you require additional packages to visit specialist doctors. For information about the health insurance allowance, check here.
There are various companies that offer this package, however you should try to choose one that can give you service in English. For example, you can find English information on the website of the insurer IAK.
All in all, the best way to compare all the packages is through here. This website is in English and provides objective information about prices, coverages and other features. Another good source is this.
Dental care: emergency Vs regular dental care
Dental care will be automatically covered in all insurances described above only if its a medical emergency, for example, if someone fell off a bike and broke his/her jaw. This is not meant for aesthetic reasons, for example, if you just have a chipped tooth you’d like to fix – that is considered regular/standard dental insurance. Regular dental care is NOT included in either package, and you must add this to your package with a supplementary payment. If you would like to insure yourself against dental care costs and even other medical expenses, you must take out supplementary insurance ‘Aanvullende’. This additional Dental Insurance is usually around an additional €11- €26 per month depending on the level of dental care that you require.
For European students that will not be working in The Netherlands
If you are an EU/EEA citizen, or a citizen of a country that has a health care treaty with The Netherlands, and you already know you will not be working in The Netherlands, then your home insurance is considered your `European Health Insurance Card` (EHIC). This insurance is enough to be covered in The Netherlands, allowing you to receive the same public healthcare as a resident in all EU/EEA countries (including Switzerland), either for free or for a reduced cost. However, it is important to note that the EHIC is not a replacement for travel insurance and does not cover anything else such as stolen items. The EHIC covers any medical treatment that you might need during your stay due to sickness or an accident; it also includes the necessary treatment of chronic or pre-existing medical conditions.
More information on the EHIC is available on the website of the European Commission, it is sensible to get one of these cards in case of an accident or emergency whilst you are traveling in Europe.
Liability and Contents Insurance
Everyone in The Netherlands is insured with multiple and various insurances beyond the legally binding health insurance. In other words, liability insurance is NOT mandatory like health insurance, but it is helpful as it covers you in case you damage something that belongs to someone else or something of yours is stolen. For example, if you are sitting in a cafe and you accidentally spill coffee on someone else’s laptop, or if you are at a friend’s house and you unintentionally break your friend’s lamp – or if you accidentally break your homeowner’s lamp in the place you rent. The insurance coverage also includes accidents (on the road for example) or other types of damages you might cause to people or their property that can end up being very expensive for you to pay on your own.
With liability insurance, you will be able to claim these costs up to a certain amount. This amount is usually a very high amount there is no chance you will ever actually need to claim (unless you visit NASA and accidentally tip over a shuttle maybe).
Who offers this type of insurance?
Who doesn’t? Your bank, your health insurance company, and every other insurance company in The Netherlands has some sort of liability insurance. The costs are usually very low but having your peace of mind intact throughout your stay will be priceless.
Each company will have its own policy and conditions for this insurance, but they are usually very generous and fair, you can expect to pay around €4 .
Tip: We advise that you again head over to our favourite comparison site where you can find the type of insurance that you need based on age, income and the value of the things you wish to insure.
Household Contents Insurance ‘Inboedelverzekering’
Just like liability insurance, this insurance is not mandatory but it will give you peace of mind in case something happens. Burglary, fire, flood or any other damage or loss of your property that is beyond your control will be covered by this insurance. In case of damage or loss, the insurance company will ask you to ensure that you do anything reasonably within your power to prevent damage by locking your doors to prevent theft or leaving candles burning. However, this is usually only applicable to homeowners as Liability Insurance covers loss, damage and theft of your goods.
Tip: We advise that you head over to our favourite comparison site where you can find the type of insurance that will suit your situation if you are privately renting your accommodation your landlord may want to take this insurance out for extra protection at a minimal cost of around €2.50.