Since sufficient health and liability insurance are mandatory in the Netherlands, it is important that you arrange insurance either before you leave your country or immediately after arrival in the Netherlands.
Check your insurance policy in your home country to see if it covers your stay in the Netherlands for both health and liability. The Netherlands has signed treaties regarding health insurance with the following countries: all of the 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 a health insurance scheme of one of these countries, your insurance company can provide you with an international declaration form called European Health Insurance Card. This card provides health insurance during your stay in the Netherlands. Read more.
Make sure you bring this form with you to the Netherlands, and make a number of copies of it. You will need this card to be able to see a doctor in the Netherlands.
If you do not have liability insurance that covers you in the Netherlands, it’s advised that you arrange liability insurance via AON (ICS Start insurance). If you need partial cover for health in addition to your EHIC, you can arrange the ICS Start + insurance with AON.
If you indicate on the confirmation statement that you want TU/e to arrange insurance for you , you do not have to make arrangements yourself. You can select the option you wish to have on the confirmation statement.
Students from countries that are not mentioned above are advised to take out health and liability insurance from AON (ICS Complete insurance). If you indicate on the confirmation statement that you want TU/e to arrange insurance for you , you do not have to make arrangements yourself. You can select the ICS Complete option on the confirmation statement
If your insurance from your home country also covers you in the Netherlands, then please compare your insurance to the AON insurance so you are sure your insurance has sufficient coverage.
For more information on insurance, please see the insurance checklist from Nuffic.
If you have a (part-time) job or paid internship in the Netherlands with which you earn more than 150 euro per month, you need to take out a basic healthcare insurance (basiszorgverzekering). You can request this insurance via the website of AON or with another insurance company. Information on other insurance companies can be found on the website Zorgwijzer.
During your study period at TU/e you may receive a letter from the Dutch National Health Care Institute (Zorginstituut Nederland). If you receive this letter, you MUST ALWAYS respond!
You will find instructions on how to respond to this letter on the pages of the Study in Holland website,