I’m going to study or do an internship in the Netherlands

If you are coming to the Netherlands to study, in most cases you won’t be able to take out Dutch national health insurance. But that may be different if you are also working in addition to your study, or if you are over 30 years old.

Student younger than 30 years: no Dutch national health insurance

If you are coming to the Netherlands for your studies and are younger than 30 years old, you cannot take out Dutch national health insurance for medical expenses. You must be insured by other means for medical expenses during your stay in the Netherlands.

Student 30 years or above: duration of your stay is the determining factor

If you are 30 years or older and are coming to the Netherlands for your studies, the following applies:

  • If your stay in the Netherlands is shorter than one year, you won’t be able to take out Dutch national health insurance for medical expenses.
  • If your stay in the Netherlands is longer than one year, you must take out Dutch national health insurance for medical expenses, unless your stay in the Netherlands is not regarded as being permanent or semi-permanent.

Internship or working in addition to your studies: mandatory Dutch national health insurance

You must take out Dutch national health insurance if you are in the Netherlands on an internship or if you are working in addition to your studies. You age does not make a difference.

What does OOM Verzekeringen offer?

OOM Verzekeringen does not offer Dutch national health insurance. Our insurance offers a solution for those who are not (yet) eligible for Dutch national health insurance.

If you are coming to the Netherlands for your studies and are younger than 30 years old, we offer OOM Studying in the Netherlands Insurance.

If you are a student of 30 years of age or older, and are not able to take out Dutch national health insurance, we offer OOM Provisional Residence in the Netherlands Insurance.

What if you are uncertain?

We have put together this information with great care. However, the rules are complicated and are subject to change. To be certain of whether or not you need to have Dutch national health insurance, please contact the Sociale Verzekeringsbank (SVB).

More information